XFRAZYE1
Market cap383mUSD
Dec 20, Last price
18.80EUR
1D
0.27%
1Q
19.37%
IPO
11.11%
Name
Addiko Bank AG
Chart & Performance
P/E
8.90
P/S
1.23
EPS
2.11
Div Yield, %
6.45%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
277m
+8.60%
Net income
41m
+59.92%
CFO
175m
-17.36%
Dividend
May 02, 20241.26 EUR/sh
Earnings
Mar 04, 2025
Profile
Addiko Bank AG provides various banking products and services in Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, and Germany. The company operates through Consumer, Small and Medium-Sized Enterprises (SME), Mortgage, Large Corporates, and Public Finance segments. It offers consumer and public finance, mortgage loans relating to real estate purchase or leveraging private real estate as collateral, working capital and investment loans, and trade finance products, as well as daily banking, online deposit, and online and mobile banking services. As of December 31, 2021, the company operated through a network of 155 branches, including 35 in Croatia, 18 in Slovenia, 56 in Bosnia and Herzegovina, 36 in Serbia, and 10 in Montenegro. It serves private individuals, SMEs, entrepreneurs, profit-oriented legal entities, and public institutions. The company is headquartered in Vienna, Austria.
Valuation
Title EUR in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 276,600 8.60% | 254,700 2.78% | 247,800 -1.08% | ||
Cost of revenue | 28,500 | 49,700 | 49,600 | ||
Unusual Expense (Income) | |||||
NOPBT | 248,100 | 205,000 | 198,200 | ||
NOPBT Margin | 89.70% | 80.49% | 79.98% | ||
Operating Taxes | 6,300 | 5,500 | 7,200 | ||
Tax Rate | 2.54% | 2.68% | 3.63% | ||
NOPAT | 241,800 | 199,500 | 191,000 | ||
Net income | 41,100 59.92% | 25,700 88.97% | 13,600 871.43% | ||
Dividends | (23,600) | (46,600) | |||
Dividend yield | 9.10% | 17.51% | |||
Proceeds from repurchase of equity | (2,000) | (600) | |||
BB yield | 0.77% | 0.24% | |||
| Debt | |||||
Debt current | |||||
Long-term debt | 100 | 100 | |||
Deferred revenue | |||||
Other long-term liabilities | (100) | (100) | |||
Net debt | (2,462,700) | (2,467,300) | (2,406,400) | ||
| Cash flow | |||||
Cash from operating activities | 174,700 | 211,400 | 258,600 | ||
CAPEX | (9,900) | (7,900) | (11,000) | ||
Cash from investing activities | (271,700) | (182,900) | (2,700) | ||
Cash from financing activities | (31,600) | (6,700) | (52,500) | ||
FCF | 231,700 | 207,800 | 199,400 | ||
| Balance | |||||
Cash | 1,254,500 | 1,382,900 | 1,361,700 | ||
Long term investments | 1,208,200 | 1,084,500 | 1,044,800 | ||
Excess cash | 2,448,870 | 2,454,665 | 2,394,110 | ||
Stockholders' equity | 621,500 | 603,100 | 577,100 | ||
Invested Capital | 5,530,000 | 5,391,000 | 5,259,400 | ||
ROIC | 4.43% | 3.75% | 3.62% | ||
ROCE | 4.03% | 3.42% | 3.40% | ||
| EV | |||||
Common stock shares outstanding | 19,423 | 19,473 | 19,500 | ||
Price | 13.35 5.53% | 12.65 -7.33% | 13.65 56.00% | ||
Market cap | 259,292 5.26% | 246,338 -7.45% | 266,175 56.00% | ||
EV | (2,203,408) | (2,220,962) | (2,140,225) | ||
EBITDA | 265,400 | 223,000 | 217,300 | ||
EV/EBITDA | |||||
Interest | 49,000 | 18,800 | 18,200 | ||
Interest/NOPBT | 19.75% | 9.17% | 9.18% | ||