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Croatia Osiguranje DDZAG:CROS 32 Pretax Margin % is 15.78% as of Jun. 2026, which is 30% above its 10-year median of 12.11. GuruFocus rates ZAG:CROS with a GF Score™ of 32/100 and a GF Value™ of €2,027.38. The stock has 5 warning signs investors should review. Among 498 Insurance companies, Croatia Osiguranje DD ranks better than 53.01% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Croatia Osiguranje DD Pretax Margin % Related Terms
Croatia Osiguranje DD Pretax Margin % Historical Data
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The historical data trend for Croatia Osiguranje DD's Pretax Margin % can be seen below:
* 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.
ZAG:CROS vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Pretax Margin % 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.
Croatia Osiguranje DD (ZAG:CROS) has a Pretax Margin % of 15.78% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Croatia Osiguranje DD and its competitors. This is 30% above median its historical median of 12.11. Over the past decade, Croatia Osiguranje DD's Pretax Margin % has ranged from 8.87 to 14.71. According to the industry distribution chart, Croatia Osiguranje DD ranks #234 out of 498 companies in the Insurance industry, placing it in the top 47%.
Is Croatia Osiguranje DD's Pretax Margin % too high?
Croatia Osiguranje DD's current Pretax Margin % of 15.78% is 30% above median its 10-year median of 12.11. Over the past 10 years, this metric has ranged from a low of 8.87 to a high of 14.71. The Insurance industry median Pretax Margin % is 12.34. Croatia Osiguranje DD's value of 15.78% is 27.9% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #234 out of 498 companies in the Insurance industry, which is above the industry midpoint. Overall, Croatia Osiguranje DD has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #234 out of 498 companies for Pretax Margin %. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median Pretax Margin % is 12.34. Croatia Osiguranje DD's value of 15.78% is 27.9% above this benchmark. Historically, Croatia Osiguranje DD's own Pretax Margin % has ranged from 8.87 to 14.71 over the past decade. While the company's 10-year median is 12.11 vs. the industry median of 12.34, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.34, based on 498 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Pretax Margin % of 15.78% is 27.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Pretax Margin % is 12.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Pretax Margin % is 15.78%, which is 30% above median its own 10-year median of 12.11. 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 Pretax Margin % of 15.78%. The stock's GF Value™ is €2,027.38, compared to a current price of €3,280.00 — trading 61.8% above its estimated fair value. The current Pretax Margin % is 15.78%, which is 30% above median its 10-year median of 12.11 and 27.9% above the Insurance industry median of 12.34. Croatia Osiguranje DD's overall GF Score™ is 32/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Pretax Margin % is 15.78% as of Jun. 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 €3,280.00 is trading 61.8% above its estimated GF Value™ of €2,027.38.
Key valuation signals for ZAG:CROS:
Pretax Margin %: 15.78% (30% above median its 10-year median of 12.11)
GF Value™: €2,027.38 vs. price of €3,280.00 (61.8% above fair value)
Industry Position: 27.9% above the Insurance median (#234 of 498)
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.
32GF Score
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