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* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Croatia Osiguranje DD's PEG Ratio or its related term are showing as below:
ZAG:CROS'
s PEG Ratio Range Over the Past 10 Years
Min: 0.67 Med: 3.59 Max: 6.76
Current: 2.76
During the past 13 years, Croatia Osiguranje DD's highest PEG Ratio was 6.76. The lowest was 0.67. And the median was 3.59.
ZAG:CROS's PEG Ratio is ranked worse than 81.62% of 185
companies
in the Insurance industry
Industry Median: 0.89
vs ZAG:CROS: 2.76
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Croatia Osiguranje DD (ZAG:CROS) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's PEG Ratio falls into.
* 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Croatia Osiguranje DD (ZAG:CROS) has a PEG Ratio of 2.76 as of Jul. 19, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Croatia Osiguranje DD and its competitors. This is 23% below median its historical median of 3.59. Over the past decade, Croatia Osiguranje DD's PEG Ratio has ranged from 0.67 to 6.76. According to the industry distribution chart, Croatia Osiguranje DD ranks #151 out of 185 companies in the Insurance industry, placing it in the top 81.6%.
Is Croatia Osiguranje DD's PEG Ratio too high?
Croatia Osiguranje DD's current PEG Ratio of 2.76 is 23% below median its 10-year median of 3.59. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 6.76. The Insurance industry median PEG Ratio is 0.89. Croatia Osiguranje DD's value of 2.76 is 210.1% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #151 out of 185 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Croatia Osiguranje DD has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's PEG Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #151 out of 185 companies for PEG Ratio. This places Croatia Osiguranje DD in the lower half of its industry. The industry median PEG Ratio is 0.89. Croatia Osiguranje DD's value of 2.76 is 210.1% above this benchmark. Historically, Croatia Osiguranje DD's own PEG Ratio has ranged from 0.67 to 6.76 over the past decade. While the company's 10-year median is 3.59 vs. the industry median of 0.89, 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 PEG Ratio for an Insurance company?
The median PEG Ratio among Insurance companies is 0.89, based on 185 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current PEG Ratio of 2.76 is 210.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median PEG Ratio is 0.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current PEG Ratio is 2.76, which is 23% below median its own 10-year median of 3.59. 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 PEG Ratio of 2.76. The stock's GF Value™ is €1,937.27, compared to a current price of €3,400.00 — trading 75.5% above its estimated fair value. The current PEG Ratio is 2.76, which is 23% below median its 10-year median of 3.59 and 210.1% above the Insurance industry median of 0.89. Croatia Osiguranje DD's overall GF Score™ is 35/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current PEG Ratio is 2.76 as of Jul. 19, 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 €3,400.00 is trading 75.5% above its estimated GF Value™ of €1,937.27.
Key valuation signals for ZAG:CROS:
PEG Ratio: 2.76 (23% below median its 10-year median of 3.59)
GF Value™: €1,937.27 vs. price of €3,400.00 (75.5% above fair value)
Industry Position: 210.1% above the Insurance median (#151 of 185)
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.
35GF Score
Get the complete analysis for ZAG:CROS
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