Stock ZVTG ZAVAROVALNICA TRIGLAV, D.D.
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Financials Zavarovalnica Triglav, d.d.

Equities

ZVTG

SI0021111651

Property & Casualty Insurance

End-of-day quote Ljubljana S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
34 EUR 0.00% Intraday chart for Zavarovalnica Triglav, d.d. -1.73% -2.02%
Mar. 06 Zavarovalnica Triglav, d.d. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Zavarovalnica Triglav, d.d. Reports Earnings Results for the Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 687.9 756 681.1 835.4 783.5 788.9
Enterprise Value (EV) 1 636.5 755.9 658.6 814.3 745.9 766.1
P/E ratio 8.51 x 9.02 x 9.28 x 7.4 x 7.11 x 48.9 x
Yield 8.25% - 5.67% 10.1% 7.25% 5.04%
Capitalization / Revenue 0.66 x 0.6 x 0.55 x 0.62 x 0.66 x 0.56 x
EV / Revenue 0.61 x 0.6 x 0.53 x 0.61 x 0.63 x 0.55 x
EV / EBITDA 5.6 x 6.27 x 5.93 x 5.24 x 4.91 x 18.3 x
EV / FCF -2.38 x 4.93 x 11 x 7.12 x 9.43 x -4.21 x
FCF Yield -42% 20.3% 9.12% 14.1% 10.6% -23.8%
Price to Book 0.93 x 0.96 x 0.8 x 0.9 x 1.05 x 0.89 x
Nbr of stocks (in thousands) 22,702 22,702 22,702 22,702 22,711 22,735
Reference price 2 30.30 33.30 30.00 36.80 34.50 34.70
Announcement Date 3/29/19 3/31/20 3/31/21 3/31/22 3/31/23 3/29/24
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,039 1,267 1,233 1,337 1,183 1,405
EBITDA 1 113.6 120.5 111.1 155.3 152 41.95
EBIT 1 97.85 105.6 95.59 135.3 129.2 21.71
Operating Margin 9.42% 8.33% 7.75% 10.12% 10.92% 1.55%
Earnings before Tax (EBT) 1 97.46 100.9 90.9 132.6 134.5 21.06
Net income 1 80.66 83.69 73.5 112.8 110.5 16.08
Net margin 7.76% 6.61% 5.96% 8.43% 9.34% 1.14%
EPS 2 3.560 3.690 3.233 4.970 4.850 0.7100
Free Cash Flow 1 -267.5 153.5 60.09 114.4 79.13 -182
FCF margin -25.75% 12.12% 4.87% 8.55% 6.69% -12.95%
FCF Conversion (EBITDA) - 127.37% 54.09% 73.67% 52.07% -
FCF Conversion (Net income) - 183.39% 81.75% 101.46% 71.64% -
Dividend per Share 2 2.500 - 1.700 3.700 2.500 1.750
Announcement Date 3/29/19 3/31/20 3/31/21 3/31/22 3/31/23 3/29/24
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 51.3 0.03 22.5 21.2 37.7 22.8
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -268 153 60.1 114 79.1 -182
ROE (net income / shareholders' equity) 10.8% 10.9% 8.86% 12.5% 13.1% 1.82%
ROA (Net income/ Total Assets) 1.67% 1.74% 1.48% 1.99% 1.9% 0.34%
Assets 1 4,828 4,810 4,956 5,676 5,818 4,682
Book Value Per Share 2 32.50 34.60 37.60 41.00 33.00 39.10
Cash Flow per Share 2 2.950 3.320 3.550 3.620 4.340 3.720
Capex 1 14.7 13.1 13.6 9.51 8.98 7.48
Capex / Sales 1.41% 1.04% 1.1% 0.71% 0.76% 0.53%
Announcement Date 3/29/19 3/31/20 3/31/21 3/31/22 3/31/23 3/29/24
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

Company calendar

Sector Property Insurance

1st Jan change Capi.
ZAVAROVALNICA TRIGLAV, D.D. Stock Zavarovalnica Triglav, d.d.
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+6.30% 1.72B
OMAN QATAR INSURANCE COMPANY SAOG Stock Oman Qatar Insurance Company SAOG
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ASSURANCES MAGHREBIA SA Stock Assurances Maghrebia SA
-4.67% 71.87M
EFU GENERAL INSURANCE LIMITED Stock EFU General Insurance Limited
-0.94% 60.47M
Property Insurance
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