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Croatia Osiguranje DD stock PB Ratio (=1.5) is close to 3-year high of 1.66.
The historical rank and industry rank for Croatia Osiguranje DD's PB Ratio or its related term are showing as below:
ZAG:CROS'
s PB Ratio Range Over the Past 10 Years
Min: 0.48 Med: 4.86 Max: 7.92
Current: 1.5
During the past 13 years, Croatia Osiguranje DD's highest PB Ratio was 7.92. The lowest was 0.48. And the median was 4.86.
ZAG:CROS's PB Ratio is not ranked
in the Insurance industry.
Industry Median: 1.4
vs ZAG:CROS: 1.50
During the past 12 months, Croatia Osiguranje DD's average Book Value Per Share Growth Rate was 16.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Croatia Osiguranje DD was 14.60% per year. The lowest was -8.00% per year. And the median was 10.70% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Croatia Osiguranje DD PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's PB Ratio distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Croatia Osiguranje DD (ZAG:CROS) has a PB Ratio of 1.50 as of Aug. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Croatia Osiguranje DD and its competitors. This is 69% below median its historical median of 4.86. Over the past decade, Croatia Osiguranje DD's PB Ratio has ranged from 0.48 to 7.92.
Is Croatia Osiguranje DD's PB Ratio too high?
Croatia Osiguranje DD's current PB Ratio of 1.50 is 69% below median its 10-year median of 4.86. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 7.92. The Insurance industry median PB Ratio is 1.40. Croatia Osiguranje DD's value of 1.50 is 7.1% above this industry median. Overall, Croatia Osiguranje DD has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's PB Ratio compare to CB and PGR?
Croatia Osiguranje DD's PB Ratio of 1.50 can be compared against companies in the Insurance industry. The industry median PB Ratio is 1.40. Croatia Osiguranje DD's value of 1.50 is 7.1% above this benchmark. Historically, Croatia Osiguranje DD's own PB Ratio has ranged from 0.48 to 7.92 over the past decade. While the company's 10-year median is 4.86 vs. the industry median of 1.40, Croatia Osiguranje DD has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current PB Ratio of 1.50 is 7.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current PB Ratio is 1.50, which is 69% below median its own 10-year median of 4.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croatia Osiguranje DD stock overvalued right now?
Croatia Osiguranje DD (ZAG:CROS) has a current PB Ratio of 1.50. The stock's GF Value™ is €1,945.36, compared to a current price of €3,300.00 — trading 69.6% above its estimated fair value. The current PB Ratio is 1.50, which is 69% below median its 10-year median of 4.86 and 7.1% above the Insurance industry median of 1.40. Croatia Osiguranje DD's overall GF Score™ is 34/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current PB Ratio is 1.50 as of Aug. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Croatia Osiguranje DD (ZAG:CROS) Overvalued in 2026?
Based on GuruFocus' analysis, Croatia Osiguranje DD stock appears to be overvalued.
The current stock price of €3,300.00 is trading 69.6% above its estimated GF Value™ of €1,945.36.
Key valuation signals for ZAG:CROS:
PB Ratio: 1.50 (69% below median its 10-year median of 4.86)
GF Value™: €1,945.36 vs. price of €3,300.00 (69.6% above fair value)
Industry Position: 7.1% above the Insurance median
No single metric tells the full story. See the ZAG:CROS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croatia Osiguranje DD is engaged in non-life and life insurance business and reinsurance business in the non-life insurance group in the territory of the Republic of Croatia. At the same time, the Group operates in the territories of Northern Macedonia, Bosnia and Herzegovina, and Serbia. Insurance and reinsurance activities are the Company's core business segments. In addition to insurance and reinsurance activities, CO Group companies also perform the following activities: pension fund management, performance of vehicle testing, provision of healthcare services, and real estate management. The segments include: Non-life and Life Insurance segments.
34GF Score
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