Croatia Osiguranje DDZAG:CROS -1.73%32 Dividend Yield % is 3.13% as of Jun. 29, 2026, which is 67% below its 10-year median of 9.44. GuruFocus rates ZAG:CROS with a GF Score™ of 32/100 and a GF Value™ of €1,925.71 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 427 Insurance companies, Croatia Osiguranje DD ranks worse than 52.46% on this metric.
As of today (2026-06-29), the Trailing Annual Dividend Yield of Croatia Osiguranje DD is 3.13%.
Warning Sign:
Croatia Osiguranje DD stock Dividend Yield % is close to 3-year low.
The historical rank and industry rank for Croatia Osiguranje DD's Dividend Yield % or its related term are showing as below:
ZAG:CROS'
s Dividend Yield % Range Over the Past 10 Years
Min: 2.91 Med: 9.44 Max: 19.83
Current: 3.13
During the past 13 years, the highest Dividend Yield of Croatia Osiguranje DD was 19.83%. The lowest was 2.91%. And the median was 9.44%.
ZAG:CROS's Dividend Yield % is ranked worse than 52.46% of 427
companies
in the Insurance industry
Industry Median: 3.29
vs ZAG:CROS: 3.13
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Croatia Osiguranje DD Dividend Yield % Related Terms
Croatia Osiguranje DD Dividend Yield % Historical Data
* Premium members only.
The historical data trend for Croatia Osiguranje DD's Dividend 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: Dividend Yield % Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Dividend Yield %, along with its competitors' market caps and Dividend 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 Dividend Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Dividend Yield % falls into.
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Croatia Osiguranje DD Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
EUR 106.520000
2025-07-01
2025-07-02
2025-07-31
Cash Dividend
annually
EUR:EUR 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Croatia Osiguranje DD's Trailing Annual Dividend Yield (%) for Today is calculated as
* 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 Dividend Yield % of 3.13% as of Jun. 29, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Croatia Osiguranje DD and its competitors. This is 67% below median its historical median of 9.44. Over the past decade, Croatia Osiguranje DD's Dividend Yield % has ranged from 2.91 to 19.83. According to the industry distribution chart, Croatia Osiguranje DD ranks #224 out of 427 companies in the Insurance industry, placing it in the top 52.5%.
Is Croatia Osiguranje DD's Dividend Yield % too high?
Croatia Osiguranje DD's current Dividend Yield % of 3.13% is 67% below median its 10-year median of 9.44. Over the past 10 years, this metric has ranged from a low of 2.91 to a high of 19.83. The Insurance industry median Dividend Yield % is 3.29. Croatia Osiguranje DD's value of 3.13% is 4.9% below this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #224 out of 427 companies in the Insurance industry, which is below the industry midpoint. Overall, Croatia Osiguranje DD has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's Dividend Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #224 out of 427 companies for Dividend Yield %. This places Croatia Osiguranje DD in the lower half of its industry. The industry median Dividend Yield % is 3.29. Croatia Osiguranje DD's value of 3.13% is 4.9% below this benchmark. Historically, Croatia Osiguranje DD's own Dividend Yield % has ranged from 2.91 to 19.83 over the past decade. While the company's 10-year median is 9.44 vs. the industry median of 3.29, Croatia Osiguranje DD has consistently been below 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 Dividend Yield % for an Insurance company?
The median Dividend Yield % among Insurance companies is 3.29, based on 427 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Dividend Yield % of 3.13% is 4.9% below 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Dividend Yield % is 3.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Dividend Yield % is 3.13%, which is 67% below median its own 10-year median of 9.44. 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?
Based on GuruFocus' analysis, Croatia Osiguranje DD (ZAG:CROS) is currently considered Significantly Overvalued. The stock's GF Value™ is €1,925.71, compared to a current price of €3,400.00 — trading 76.6% above its estimated fair value. The current Dividend Yield % is 3.13%, which is 67% below median its 10-year median of 9.44 and 4.9% below the Insurance industry median of 3.29. Croatia Osiguranje DD's overall GF Score™ is 32/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Dividend Yield % is 3.13% as of Jun. 29, 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 76.6% above its estimated GF Value™ of €1,925.71.
GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.
Key valuation signals for ZAG:CROS:
Dividend Yield %: 3.13% (67% below median its 10-year median of 9.44)
GF Value™: €1,925.71 vs. price of €3,400.00 (76.6% above fair value)
Industry Position: 4.9% below the Insurance median (#224 of 427)
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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