Pozavarovalnica Sava, d.d. stock | 2026 trend & analyst price target

Pozavarovalnica Sava...

LJSE:POSR

€ 83,00

€-0,50 (-0,60%)

83,00 €

€-0,50 (-0,60%)

End-of-day quote: 03/27/2026

Pozavarovalnica Sava, d.d. Stock Value

Analysts currently give LJSE:POSR a rating of Outperform.

Outperform

Pozavarovalnica Sava, d.d. Company Info

EPS Growth 5Y

11,94%

Market Cap

€1,29 B

Long-Term Debt

€0,13 B

Quarterly earnings

05/16/2026 (E)

Dividend

€2,23

Dividend Yield

2,69%

Founded

1977

Industry

Financials

Country

Slovenia

Website

Pozavarovalnica Sava, d.d.

ISIN Number

SI0021110513

Website

http://www.sava-re.si

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

€79,50

-4.22%

Last Update: 03/28/2026

Analysts: 2

Highest Price Target €84,00

Average Price Target €79,50

Lowest Price Target €75,00

In the last five quarters, Pozavarovalnica Sava, d.d.’s Price Target has risen from €55,00 to €55,00 - a 0,00% increase. One analysts predict that Pozavarovalnica Sava, d.d.’s share price will fall in the coming year, reaching €79,50. This would represent a decrease of -4,22%.

Top growth stocks in the financials sector (5Y.)

What does Pozavarovalnica Sava, d.d. do?

Pozavarovalnica Sava, d.d. operates as an insurance and reinsurance company. Business Segments The company operates through Non-Life Insurance, Life Insurance and Pensions, Reinsurance, and Asset Management segments. Non-Life Insurance This segment provides a wide array of policies aimed at protecting customers against various risks, including property damage, liability claims, and specialized forms of insurance. Life Insurance and Pensions This segment has witnessed significant growth, wi...

Pozavarovalnica Sava, d.d. operates as an insurance and reinsurance company.

Business Segments

The company operates through Non-Life Insurance, Life Insurance and Pensions, Reinsurance, and Asset Management segments.

Non-Life Insurance

This segment provides a wide array of policies aimed at protecting customers against various risks, including property damage, liability claims, and specialized forms of insurance.

Life Insurance and Pensions

This segment has witnessed significant growth, with the company striving to accelerate the enrollment of policyholders within its life risk insurance ecosystems. This ecosystem enables customers to access pay-as-you-live insurance policies while enjoying a range of benefits and services from partner providers. The company also focuses on enhancing its offerings through actively engaging policyholders and fostering stronger relationships with key stakeholders.

Reinsurance

This segment forms another crucial segment for the company, wherein it provides reinsurance solutions that support primary insurers in managing risks effectively. The reinsurance offerings include tailored solutions for life, health, and general insurance segments, wherein the company leverages its expertise to optimize underwriting processes and manage claims inflation sustainably.

Asset Management

This segment is dedicated to the management of investment portfolios, ensuring that assets align with sustainability criteria as per regulatory standards. It actively monitors and adjusts its investment strategies to remain compliant with evolving regulations while achieving the financial objectives set forth by stakeholders.

Business Strategy

The company’s business strategy hinges on the dual focus of pursuing innovation and promoting sustainability within its operational model. The company aims to achieve strategic goals across its primary business pillars by implementing value-driven approaches that ensure steady growth and enhance customer satisfaction.

A crucial component of the company’s strategy is its commitment to product innovation. The company continuously adapts its product offerings to align with evolving customer needs and market trends. By responding swiftly to changes in consumer preferences and regulatory frameworks, the company seeks to strengthen its position as a market leader in both insurance and reinsurance segments. This is particularly evident in its expansion of products featuring strong sustainability components, including enhancements in life insurance, health coverage, and non-life policies.

Furthermore, the company focuses on leveraging technology to improve its operational efficiency. By investing in digital solutions and streamlining internal processes, it aims to optimize customer interactions and safeguard data integrity. The company’s commitment to digitalization manifests in multiple facets, from automated claims processing to advanced customer relationship management systems.

At the core of the company’s strategy is the determination to foster partnerships with local communities and stakeholders. The procurement policy promotes local sourcing, ensuring sustainable partnerships while adhering to rigorous ethical standards.

Products and Services

The company offers a comprehensive range of products and services that cater to the diverse needs of its clients. The company's offerings span across various categories, including non-life insurance, life insurance, pension products, and reinsurance services, among others.

In the domain of non-life insurance, the company provides comprehensive coverage for a range of hazards, including property insurance, liability insurance, and specialized products tailored to specific sectors. The offerings focus on protecting customers against unforeseen events, providing security for personal and business assets alike.

The life insurance segment includes various products designed to offer financial security to customers and their families. The company’s life insurance portfolio comprises traditional life insurance policies, endowment plans, and innovative solutions like pay-as-you-live policies. These products aim to provide not only death benefits but also savings and investment opportunities, promoting long-lasting financial resilience.

Pension products play a vital role in the company’s service offerings, supporting customers in planning for their retirement needs. The company enables policyholders to build and manage pension savings effectively, providing a reliable income stream during retirement.

In terms of reinsurance, the company offers tailored solutions that assist primary insurers in optimizing their portfolios. The reinsurance services include life, health, and property coverage, enabling insurers to mitigate risks and manage claims effectively. The company employs sophisticated risk assessment methodologies to devise personalized reinsurance strategies that align with the unique requirements of clients.

Complementing its insurance and reinsurance segments, the company actively engages in asset management, ensuring that the investments made on behalf of clients adhere to both financial objectives and sustainability criteria.

Geographical Markets Served

The company operates in multiple geographical markets, primarily focusing on the European region, where it has established a significant presence. The company's strategic positioning allows it to cater to both local and international clients, thereby enhancing its competitive advantage.

Seasonality

The company’s operations may experience certain seasonality, primarily influenced by the cyclical nature of insurance demand and external factors, such as economic conditions and climatic events. Typically, the demand for certain insurance products may fluctuate based on seasonal activities, weather patterns, or economic cycles. This seasonality can affect product uptake, particularly in areas like non-life insurance, where events such as natural disasters or significant societal events may trigger increased claims or require enhanced underwriting discipline.

Customers

The company’s clientele comprises a diverse range of customers include individuals, families, small and medium-sized enterprises, as well as large corporations and institutional clients.

Sales and Marketing

The company employs a multifaceted approach to sales and marketing, utilizing diverse distribution channels to connect with clients. The company focuses on building partnerships with brokers, agents, and financial institutions to enhance its market reach.

Marketing initiatives are centered around educating potential customers about the benefits of the company's products, emphasizing the importance of risk management, and promoting sustainability in insurance practices. Digital platforms serve as vital conduits for customer engagement, allowing for broader outreach and customer support.

History

Pozavarovalnica Sava, d.d. was founded in 1977.

Pozavarovalnica Sava, d.d. Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Industry Revenues:** 1. Insurance: 60% 2. Reinsurance: 25% 3. Asset Management and Other Services: 15% **TOP 3 Markets:** 1. Slovenia: 40% 2. Croatia: 25% 3. Serbia: 15% Pozavarovalnica Sava, d.d. generates the majority of its revenues from the insurance industry, followed by reinsurance service...

At which locations are the company’s products manufactured?

**Production Sites:** Slovenia, Croatia, Serbia, Montenegro, North Macedonia Pozavarovalnica Sava, d.d., also known as Sava Re, is a leading reinsurance company in the Southeast Europe region. The company does not produce physical products, but offers insurance and reinsurance services. The main ma...

What strategy does Pozavarovalnica Sava, d.d. pursue for future growth?

**Revenue Growth:** Estimated at 5-7% annually (2026 forecast) **Profit Margin:** Estimated at 8-10% (2026 forecast) Pozavarovalnica Sava, d.d. is pursuing a growth strategy focused on diversification and geographical expansion. The company plans to further expand its market presence in Southeast...

Which raw materials are imported and from which countries?

I'm sorry, but I do not have specific information about the commodities or materials that Pozavarovalnica Sava, d.d. imports, as the company is a reinsurance company. Reinsurance companies are generally not directly involved in the import of commodities or materials, as their core business is i...

How strong is the company’s competitive advantage?

**Market share in Slovenia:** 20% (estimated, 2025) **Combined Ratio:** 92.5% (2025) **Return on Equity (ROE):** 10.8% (2025) Pozavarovalnica Sava, d.d. has a significant competitive advantage in the Slovenian market, as reflected in its estimated market share of 20% in 2025. This indicates tha...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 50% (estimated, 2026) **Insider Buys/Sells:** No significant transactions in the last 12 months (estimated, 2026) Pozavarovalnica Sava, d.d. traditionally has a stable institutional investor share, which hovers around 50%. This is typical for compan...

What percentage market share does Pozavarovalnica Sava, d.d. have?

**Market share of Pozavarovalnica Sava, d.d.:** 12% (2026, estimate) **Main competitors and their market shares:** 1. **Zavarovalnica Triglav, d.d.:** 25% 2. **Generali zavarovalnica d.d.:** 18% 3. **Adriatic Slovenica d.d.:** 15% 4. **Allianz Slovenia d.d.:** 10% 5. **Grawe zavarovalnica d.d.:** 8...

Is Pozavarovalnica Sava, d.d. stock currently a good investment?

**Revenue growth:** 8.5% (2025) **Profit growth:** 6.2% (2025) **Return on equity:** 9.8% (2025) Pozavarovalnica Sava, d.d. recorded a solid revenue growth of 8.5% in 2025, indicating successful business development and an effective market strategy. The profit growth of 6.2% shows that the company...

Does Pozavarovalnica Sava, d.d. pay a dividend – and how reliable is the payout?

**Dividend Yield:** 5.2% (2026, estimated) **Dividend History:** Continuous payout over the last 5 years Pozavarovalnica Sava, d.d. is known for regularly distributing dividends to its shareholders. The company's dividend policy is aimed at providing a stable and attractive return for inve...

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Pozavarovalnica Sava, d.d. Stock Value

Pozavarovalnica Sava, d.d. Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Pozavarovalnica Sava, d.d. do?

Pozavarovalnica Sava, d.d. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

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Pozavarovalnica Sava, d.d. Stock Value

Pozavarovalnica Sava, d.d. Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Pozavarovalnica Sava, d.d. do?

Pozavarovalnica Sava, d.d. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.