Pozavarovalnica Sava, d.d.
Pozavarovalnica Sava, d.d., together with its subsidiaries, operates as a reinsurance company worldwide. It operates through Reinsurance, Non-life, Life, Pension and Asset Management, and Other segments. The company offers life insurance products, including endowment and whole life insurance. It also provides non-life insurance products, which include motor, property, miscellaneous financial loss… Read more
Pozavarovalnica Sava, d.d. (I69) - Net Assets
Latest net assets as of June 2025: €679.26 Million EUR
Based on the latest financial reports, Pozavarovalnica Sava, d.d. (I69) has net assets worth €679.26 Million EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€2.96 Billion) and total liabilities (€2.28 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €679.26 Million |
| % of Total Assets | 22.96% |
| Annual Growth Rate | 5.42% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 6.82 |
Pozavarovalnica Sava, d.d. - Net Assets Trend (2021–2024)
This chart illustrates how Pozavarovalnica Sava, d.d.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Pozavarovalnica Sava, d.d. (2021–2024)
The table below shows the annual net assets of Pozavarovalnica Sava, d.d. from 2021 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €648.56 Million | +10.74% |
| 2023-12-31 | €585.66 Million | +10.20% |
| 2022-12-31 | €531.46 Million | -3.99% |
| 2021-12-31 | €553.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Pozavarovalnica Sava, d.d.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 18.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €278.98 Million | 43.07% |
| Other Components | €368.73 Million | 56.93% |
| Total Equity | €647.71 Million | 100.00% |
Pozavarovalnica Sava, d.d. Competitors by Market Cap
The table below lists competitors of Pozavarovalnica Sava, d.d. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shandong Hi-Speed Road&Bridge
SHE:000498
|
$597.20 Million |
|
L.D.C. S.A.
F:LC4
|
$597.38 Million |
|
Bains Mer Monaco
PA:BAIN
|
$597.40 Million |
|
NIKKON Holdings Co.,Ltd.
PINK:NIPKF
|
$597.46 Million |
|
Serve Robotics Inc. Common Stock
NASDAQ:SERV
|
$596.70 Million |
|
New Wave Group AB ser. B
LSE:0KIZ
|
$596.46 Million |
|
Sichuan Xunyou Network Technology Co Ltd
SHE:300467
|
$596.29 Million |
|
Guangdong Homa Appliances Co Ltd
SHE:002668
|
$596.26 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Pozavarovalnica Sava, d.d.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 584,812,842 to 647,711,373, a change of 62,898,531 (10.8%).
- Net income of 87,655,725 contributed positively to equity growth.
- Dividend payments of 27,324,480 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €87.66 Million | +13.53% |
| Dividends Paid | €27.32 Million | -4.22% |
| Other Changes | €2.57 Million | +0.4% |
| Total Change | €- | 10.76% |
Book Value vs Market Value Analysis
This analysis compares Pozavarovalnica Sava, d.d.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.06x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.41x to 2.06x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €35.69 | €86.00 | x |
| 2022-12-31 | €34.26 | €86.00 | x |
| 2023-12-31 | €37.74 | €86.00 | x |
| 2024-12-31 | €41.79 | €86.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Pozavarovalnica Sava, d.d. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.53%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.71%
- • Asset Turnover: 0.28x
- • Equity Multiplier: 4.45x
- Recent ROE (13.53%) is above the historical average (11.78%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 13.75% | 9.21% | 0.33x | 4.51x | €20.76 Million |
| 2022 | 8.80% | 10.51% | 0.19x | 4.35x | €-6.40 Million |
| 2023 | 11.02% | 9.74% | 0.26x | 4.39x | €5.98 Million |
| 2024 | 13.53% | 10.71% | 0.28x | 4.45x | €22.88 Million |
Industry Comparison
This section compares Pozavarovalnica Sava, d.d.'s net assets metrics with peer companies in the Insurance - Reinsurance industry.
Industry Context
- Industry: Insurance - Reinsurance
- Average net assets among peers: $14,593,100,000
- Average return on equity (ROE) among peers: -1.46%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Pozavarovalnica Sava, d.d. (I69) | €679.26 Million | 13.75% | 3.36x | $597.14 Million |
| COMSTOCK HLDG-A (CHO) | $988.20 Million | -4.25% | 0.14x | $686.35 Million |
| Münchener Rück AG (MUV2) | $28.20 Billion | 1.33% | 8.42x | $71.95 Billion |