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Croatia Osiguranje DDZAG:CROS 35 Shareholder Yield % is 4.17% as of Mar. 2026, which is 13800% above its 10-year median of 0.03. GuruFocus rates ZAG:CROS with a GF Score™ of 35/100 and a GF Value™ of €1,937.27. The stock has 6 warning signs investors should review. Among 490 Insurance companies, Croatia Osiguranje DD ranks better than 62.65% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Croatia Osiguranje DD's Shareholder Yield % was 4.17%.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Croatia Osiguranje DD Shareholder Yield % Related Terms
Croatia Osiguranje DD Shareholder Yield % Historical Data
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The historical data trend for Croatia Osiguranje DD's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Croatia Osiguranje DD (ZAG:CROS) has a Shareholder Yield % of 4.17% as of Mar. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Croatia Osiguranje DD and its competitors. This is 13800% above median its historical median of 0.03. According to the industry distribution chart, Croatia Osiguranje DD ranks #183 out of 490 companies in the Insurance industry, placing it in the top 37.3%.
Is Croatia Osiguranje DD's Shareholder Yield % too high?
Croatia Osiguranje DD's current Shareholder Yield % of 4.17% is 13800% above median its 10-year median of 0.03. The Insurance industry median Shareholder Yield % is 2.74. Croatia Osiguranje DD's value of 4.17% is 52.2% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #183 out of 490 companies in the Insurance industry, which is above the industry midpoint. 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 Shareholder Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #183 out of 490 companies for Shareholder Yield %. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median Shareholder Yield % is 2.74. Croatia Osiguranje DD's value of 4.17% is 52.2% above this benchmark. While the company's 10-year median is 0.03 vs. the industry median of 2.74, 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 Shareholder Yield % for an Insurance company?
The median Shareholder Yield % among Insurance companies is 2.74, based on 490 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Shareholder Yield % of 4.17% is 52.2% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Shareholder Yield % is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Shareholder Yield % is 4.17%, which is 13800% above median its own 10-year median of 0.03. 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 Shareholder Yield % of 4.17%. 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 Shareholder Yield % is 4.17%, which is 13800% above median its 10-year median of 0.03 and 52.2% above the Insurance industry median of 2.74. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Shareholder Yield % is 4.17% as of Mar. 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:
Shareholder Yield %: 4.17% (13800% above median its 10-year median of 0.03)
GF Value™: €1,937.27 vs. price of €3,400.00 (75.5% above fair value)
Industry Position: 52.2% above the Insurance median (#183 of 490)
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
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