As stated in the announcement, Croatia osiguranje has been operating successfully in recent years, with a high level of profit and high solvency ratio rates, both at the Company and Group levels, and it is expected that the solvency ratio should be maintained above 200% in 2026.
For comparison, a dividend of EUR 106.52 per share was paid for 2024, which means that the proposed dividend of EUR 114.14 per share for 2025 represents an increase of around 7.2% y-o-y, but at the same time is 25% lower than that paid for 2023.
Looking at the longer term, this is a continuation of a stable dividend policy after the record payout for 2023, when its dividend amounted to EUR 267.64 per share, but more than half of it was an extraordinary payment, while the regular dividend amounted to EUR 116.37.
Last year, Croatia osiguranje achieved consolidated insurance sales revenue, including regional branches, of EUR 607 million, which is 12% more y-o-y. In 2025, the company achieved consolidated net profit of EUR 65.5 million (+7%). Total insurance revenue at the Group level reached EUR 606.8 million (+12.2%). Of this, non-life insurance revenue accounted for EUR 592.9 million, while life insurance revenue amounted to EUR 13.9 million, the company’s report stated.
The company’s forecasts for this year are cautious. "This year will bring a further slowdown in the growth of the non-life insurance market with single-digit growth, with market growth expected to be balanced based on price correction, i.e. further increase in penetration and awareness of the need for insurance. Life insurance should achieve very mild growth in 2026, driven by further GDP growth and nominal wage growth, with the focus likely to be on new products with an investment component and a shift away from classic life insurance", Croatia osiguranje estimates.
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