Auto Hrvatska Zagreb dd

Auto Hrvatska Zagreb dd maintains a strong liquidity position, with a current ratio of 1.77, indicating the company can cover its short-term liabilities with its short-term assets. The company's liquidity_fpt score is high, supported by a cash and equivalents balance of EUR 11.8 million and a low debt-to-equity ratio of 0.01, suggesting minimal leverage and strong financial flexibility.

In terms of profitability, the company's return on equity (ROE) of 3.97% and return on assets (ROA) of 2.51% are below the typical thresholds for high-performing retailers in the industry. These metrics suggest that the company is generating modest returns relative to its equity and asset base. The operating margin of 6.4% (calculated from operating income of EUR 4.07 million on revenue of EUR 63.6 million) is in line with the industry median for similar-sized firms, but the net margin of 5.2% (net income of EUR 3.3 million) indicates some pressure from operating expenses.

The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic fluctuations and regulatory changes. The absence of segment-specific revenue breakdowns in the latest filings limits the ability to assess the performance of individual business lines.

Looking ahead, the company is projected to maintain a stable revenue trajectory, with no significant growth or contraction expected in the next fiscal year. The free cash flow of EUR 3.7 million and capital expenditure of EUR -1.32 million suggest a conservative approach to reinvestment and asset maintenance. The company's operating cash flow of EUR 7.56 million supports its liquidity and provides a buffer for future reinvestment.

The risk assessment indicates a low probability of dilution and no immediate liquidity concerns. The company's low debt levels and strong cash position reduce the likelihood of equity dilution through new share issuance. The absence of recent filings or transcripts mentioning dilutive events supports this assessment. The company's financial structure is stable, with no signs of near-term financial distress or capital structure changes.

Recent filings and transcripts do not indicate any material events or strategic shifts. The company has not disclosed any major capital projects, regulatory challenges, or significant changes in management or operations. The lack of recent events suggests a stable and predictable business environment.

Net margin of 5.2% ranks best-in-class among 73 auto retailers, significantly outperforming the 1.5% cohort median.

Free cash flow surged 92.1% year-over-year to EUR 5.5 million, demonstrating strong cash generation capability.

Debt-to-equity ratio of 0.01 is exceptionally low, ranking above the 75th percentile for financial stability within the cohort.

Revenue grew at a 13.6% compound annual growth rate over four years, reaching EUR 279.4 million in the latest period.

Return on equity of 3.97% falls below the 4.44% median for the auto vehicles, parts, and service retailers cohort.

Net income growth slowed to 6.8% year-over-year, decelerating from the 24.1% four-year compound annual growth rate.

Long-term debt increased to EUR 14.97 million in the latest fiscal year, up from EUR 11.77 million previously.