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Croatia osiguranje (CROS) investor relations material
Croatia osiguranje Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total income from insurance contracts reached EUR 151.9m, up 10.3% year-over-year; non-life insurance income rose 10.5% to EUR 148.2m, and life insurance income increased 4.1% to EUR 3.7m.
Net result from insurance contracts was EUR 13.9m, up 17% year-over-year; group net profit reached EUR 18.2m, a 6.8% increase.
Total assets as of 31 March 2026 were EUR 2.1bn, up 3.2% from year-end 2025.
Significant digitalization progress: digital premium up 32%, Moja Croatia app users up 39%, and LAQO digital brand premium up 18%.
Croatia Poliklinika revenue rose 26% to EUR 9.5m, confirming its leading private healthcare position.
Financial highlights
Insurance contract expenditure was EUR 126.3m, up 9% year-over-year; non-life expenditure EUR 124m (+9.6%), life expenditure EUR 2.3m (-14.3%).
Earnings per share increased to EUR 43.1 from EUR 40.4 year-over-year.
Group's SCR ratio at 221% as of 31 December 2025, indicating strong capitalization.
Dividend proposal for 2025 profit: EUR 49m, or EUR 114.14 per share.
Outlook and guidance
2026 outlook is more pessimistic due to Middle East conflict, with Croatian GDP growth forecast at 2.6% and inflation at 4.6%.
Insurance market expected to continue high single-digit growth, but with slower dynamics by year-end.
Life insurance segment expected to see modest growth, with a shift toward investment products.
- Net profit surged 43% to EUR 46.3m, driven by strong insurance and digital segment growth.CROS
Q3 20242 Jul 2026 - Insurance income and profit up year-over-year, with strong digital and healthcare growth.CROS
Q2 20242 Jul 2026 - Net profit jumped 39.9% year-over-year, with strong digital and healthcare growth.CROS
Q4 20242 Jul 2026 - Net profit rose 7.5% to EUR 17m, driven by strong insurance and digital segment growth.CROS
Q1 20252 Jul 2026 - Net profit up 25% year-over-year, with strong digital and health segment growth.CROS
Q2 20252 Jul 2026 - Net profit rose 25% to EUR 57.9m, driven by strong insurance and digital segment growth.CROS
Q3 20252 Jul 2026 - Net profit rose 7.2% to EUR 65.5m, driven by non-life and digital business growth.CROS
Q4 20252 Jul 2026
Next Croatia osiguranje earnings date
Next Croatia osiguranje earnings date
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