ZAVAROVALNICA TRIGLAV, d.d. financials
ZAVAROVALNICA TRIGLAV, d.d.
Country: SI Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
549300KGI78MKHO38N42 Financial statements
(EUR, as reported — unscaled; 121 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Net finance income / (cost) | €87.8M | €159.7M |
| Income tax expense | €37.3M | €27.6M |
| Profit for the year | €136.7M | €131.4M |
| — attributable to owners | €136.2M | €130.9M |
| — attributable to NCI | €463.0K | €524.2K |
| Total comprehensive income | €152.1M | €137.7M |
| Per share | ||
| Basic EPS | €6.00 | €5.76 |
| Free cash flow / share | €12.70 | €5.85 |
| Cash flow statement | ||
| Net cash from operating activities | €304.2M | €142.8M |
| Net cash from investing activities | -€232.6M | -€211.0M |
| Purchase of PP&E (capex) | €14.8M | €9.4M |
| Purchase of intangibles | €20.1M | €13.0M |
| Net cash from financing activities | -€75.6M | €52.9M |
| Dividends paid | €63.6M | €39.7M |
| Repayments of borrowings | €5.7M | €3.9M |
| Balance sheet | ||
| Total assets | €5.44B | €4.54B |
| Property, plant & equipment | €110.7M | €105.9M |
| Right-of-use assets | €12.1M | €10.1M |
| Intangible assets & goodwill | €60.3M | €53.4M |
| Cash & equivalents | €64.9M | €69.0M |
| Total equity | €1.08B | €989.0M |
| — attributable to owners | €1.07B | €984.9M |
| Non-controlling interests | €5.3M | €4.2M |
| Deferred tax liabilities | €2.8M | €2.2M |
| Derived metrics | ||
| Free cash flow | €289.4M | €133.4M |
| Return on equity | 12.7% | 13.3% |
| Cash conversion ratio | 2.23× | 1.09× |
| Capex coverage | 20.58× | 15.16× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | -€15.7M | -€31.3M |
| Adjustments For Decrease Increase In Other Assets | -€37.2M | €17.2M |
| Adjustments For Depreciation and Amortisation Expense | €28.7M | €27.4M |
| Adjustments For Finance Costs | €9.9M | €6.4M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €244.4K | €191.2K |
| Adjustments For Income Tax Expense | €35.7M | €20.7M |
| Adjustments For Increase Decrease In Other Liabilities | -€32.2M | -€54.9M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€5.6M | -€2.3M |
| Adjustments For Provisions | €23.6M | €18.6M |
| Adjustments For Reconcile Profit Loss | -€5.0M | -€101.0M |
| Capital Redemption Reserve | €364.7K | €364.7K |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €20.3M | €9.3M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €172.5M | €128.5M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €11.2M | €20.3M |
| Comprehensive Income Attributable To Noncontrolling Interests | €520.9K | €515.5K |
| Comprehensive Income Attributable To Owners of Parent | €151.5M | €137.2M |
| Current Tax Assets | €169.5K | €260.6K |
| Current Tax Liabilities | €12.4M | €5.6M |
| Deferred Tax Assets | €13.3M | €14.2M |
| Dividends Received Classified As Investing Activities | €2.7M | €2.6M |
| Equity and Liabilities | €5.44B | €4.54B |
| Fee and Commission Income | €53.6M | €49.4M |
| Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss Before Tax | -€889.6K | €2.0M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €4.2M | €6.6M |
| Financial Assets | €3.39B | €3.04B |
| Financial Assets At Amortised Cost | €225.4M | €222.6M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €2.14B | €1.91B |
| Financial Assets At Fair Value Through Profit Or Loss | €1.02B | €906.5M |
| Gains Losses On Exchange Differences On Translation Net of Tax | -€204.2K | €119.0K |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€3.9M | €30.9M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €154.6K | -€3.3M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €0 | €66.4K |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€64.8M | -€140.9M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €3.1M | €1.1M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €90.7K | -€28.9K |
| Income Taxes Paid Refund Classified As Operating Activities | €28.8M | €7.4M |
| Increase Decrease In Cash and Cash Equivalents | -€4.1M | -€15.3M |
| Increase Decrease In Cash and Cash Equivalents Discontinued Operations | €0 | -€159.0K |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €594.2K | -€42.5K |
| Inflows of Cash From Investing Activities | €1.80B | €1.18B |
| Insurance Contracts Issued That Are Assets | €22.1M | €19.8M |
| Insurance Contracts Issued That Are Liabilities | €3.17B | €2.47B |
| Insurance Finance Income Expenses | -€47.8M | -€118.4M |
| Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss Before Tax | €23.0M | -€25.7M |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€52.0M | -€125.0M |
| Insurance Revenue | €1.61B | €1.30B |
| Insurance Service Expenses From Insurance Contracts Issued | €1.34B | €997.3M |
| Insurance Service Result | €208.0M | €159.7M |
| Interest Paid Classified As Financing Activities | €6.4M | €2.9M |
| Interest Received Classified As Investing Activities | €45.1M | €36.3M |
| Interest Revenue Calculated Using Effective Interest Method | €55.5M | €47.3M |
| Investment Accounted For Using Equity Method | €48.7M | €55.6M |
| Investment Contracts Liabilities | €816.8M | €755.0M |
| Investment Property | €65.0M | €70.4M |
| Issued Capital | €73.7M | €73.7M |
| Lease Liabilities | €12.6M | €10.7M |
| Miscellaneous Other Operating Expense | €107.1M | €101.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €49.4K | €49.4K |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | -€92.5M | -€164.4M |
| Other Assets | €7.9M | €9.9M |
| Other Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €0 | €0 |
| Other Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €0 | €0 |
| Other Comprehensive Income | €15.4M | €6.3M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €381.4K | €346.3K |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €247.2K | -€144.8K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €15.0M | €6.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €538.0K | €230.3K |
| Other Finance Income Cost | -€13.6M | -€7.3M |
| Other Financial Liabilities | €1.8M | €317.5K |
| Other Gains Losses | -€307.3K | €2.1M |
| Other Liabilities | €150.5M | €121.7M |
| Other Operating Income Expense | -€11.3M | -€8.1M |
| Other Receivables | €86.9M | €44.5M |
| Outflows of Cash From Investing Activities | €2.03B | €1.39B |
| Proceeds From Issue of Bonds Notes and Debentures | €0 | €99.4M |
| Proceeds From Sales of Investment Property | €7.4M | €1.7M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €4.3M | €483.6K |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €1.71B | €1.11B |
| Profit Loss From Continuing Operations | €136.7M | €115.3M |
| Provisions | €26.4M | €26.0M |
| Purchase of Financial Instruments Classified As Investing Activities | €1.98B | €1.34B |
| Purchase of Investment Property | €415.0K | €2.6M |
| Reinsurance Contracts Held That Are Assets | €738.4M | €289.6M |
| Reinsurance Contracts Held That Are Liabilities | €5.1M | €2.2M |
| Reserve of Exchange Differences On Translation | -€3.2M | -€3.1M |
| Retained Earnings Excluding Profit Loss For Reporting Period | €270.5M | €259.2M |
| Retained Earnings Profit Loss For Reporting Period | €75.4M | €75.0M |
| Revenue From Dividends | €2.7M | €2.6M |
| Share of Profit Loss of Associates Accounted For Using Equity Method | €4.7M | €6.9M |
| Share Premium | €50.3M | €50.3M |
| Subordinated Liabilities | €155.6M | €152.1M |
| Tax Expense Relating To Gain Loss On Discontinuance | €0 | €0 |
| Treasury Shares | €364.7K | €364.7K |
Methodology
Every line item above is a fact tagged in ZAVAROVALNICA TRIGLAV, d.d.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.