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Croatia Osiguranje DDZAG:CROS 32 Return-on-Tangible-Asset is 5.10% as of Jun. 2026, which is 75% above its 10-year median of 2.91. 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 506 Insurance companies, Croatia Osiguranje DD ranks better than 58.3% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Croatia Osiguranje DD's annualizedNet Income for the quarter that ended in Jun. 2026 was €104.8 Mil. Croatia Osiguranje DD's average total tangible assets for the quarter that ended in Jun. 2026 was €2,052.9 Mil. Therefore, Croatia Osiguranje DD's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 5.10%.
The historical rank and industry rank for Croatia Osiguranje DD's Return-on-Tangible-Asset or its related term are showing as below:
ZAG:CROS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.76 Med: 2.91 Max: 3.55
Current: 3.43
During the past 13 years, Croatia Osiguranje DD's highest Return-on-Tangible-Asset was 3.55%. The lowest was 1.76%. And the median was 2.91%.
ZAG:CROS's Return-on-Tangible-Asset is ranked better than 58.3% of 506
companies
in the Insurance industry
Industry Median: 2.77
vs ZAG:CROS: 3.43
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Croatia Osiguranje DD Return-on-Tangible-Asset Related Terms
Croatia Osiguranje DD Return-on-Tangible-Asset Historical Data
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The historical data trend for Croatia Osiguranje DD's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 5.10% mean?
Croatia Osiguranje DD (ZAG:CROS) has a Return-on-Tangible-Asset of 5.10% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Croatia Osiguranje DD and its competitors. This is 75% above median its historical median of 2.91. Over the past decade, Croatia Osiguranje DD's Return-on-Tangible-Asset has ranged from 1.76 to 3.55. According to the industry distribution chart, Croatia Osiguranje DD ranks #211 out of 506 companies in the Insurance industry, placing it in the top 41.7%.
Is Croatia Osiguranje DD's Return-on-Tangible-Asset too high?
Croatia Osiguranje DD's current Return-on-Tangible-Asset of 5.10% is 75% above median its 10-year median of 2.91. Over the past 10 years, this metric has ranged from a low of 1.76 to a high of 3.55. The Insurance industry median Return-on-Tangible-Asset is 2.77. Croatia Osiguranje DD's value of 5.10% is 84.1% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #211 out of 506 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 Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #211 out of 506 companies for Return-on-Tangible-Asset. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.77. Croatia Osiguranje DD's value of 5.10% is 84.1% above this benchmark. Historically, Croatia Osiguranje DD's own Return-on-Tangible-Asset has ranged from 1.76 to 3.55 over the past decade. While the company's 10-year median is 2.91 vs. the industry median of 2.77, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.77, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Return-on-Tangible-Asset of 5.10% is 84.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Return-on-Tangible-Asset is 5.10%, which is 75% above median its own 10-year median of 2.91. 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 Return-on-Tangible-Asset of 5.10%. The stock's GF Value™ is €2,027.38, compared to a current price of €3,300.00 — trading 62.8% above its estimated fair value. The current Return-on-Tangible-Asset is 5.10%, which is 75% above median its 10-year median of 2.91 and 84.1% above the Insurance industry median of 2.77. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Return-on-Tangible-Asset is 5.10% 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 €3,300.00 is trading 62.8% above its estimated GF Value™ of €2,027.38.
Key valuation signals for ZAG:CROS:
Return-on-Tangible-Asset: 5.10% (75% above median its 10-year median of 2.91)
GF Value™: €2,027.38 vs. price of €3,300.00 (62.8% above fair value)
Industry Position: 84.1% above the Insurance median (#211 of 506)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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