Croatia Osiguranje DD (ZAG:CROS) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ZAG:CROS Croatia Osiguranje DD ZAG:CROS
35 GF Score
Price €3,400.00
GF Value €1,937.27
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Croatia Osiguranje DD Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

ZAG:CROS
35GF Score
Croatia Osiguranje DD ZAG:CROS
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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. GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.

Key valuation signals for ZAG:CROS:

  • Altman Z2-Score:
  • GF Value™: €1,937.27 vs. price of €3,400.00 (75.5% above fair value)
  • GF Score™: 35/100 with 6 warning signs

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 Business Description

Address Vatroslava Jagica 33, Zagreb, HRV, 10000
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

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3,400.00
Price
€1,937.27
GF Value