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XWBO
ADKO
Market cap430mUSD
May 02, Last price
19.55EUR
1D
-1.26%
1Q
6.83%
IPO
17.07%
Name
Addiko Bank AG
Chart & Performance
P/E
8.38
P/S
1.18
EPS
2.33
Div Yield, %
6.45%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
321m
+16.16%
Net income
45m
+10.46%
CFO
364m
+108.07%
Dividend
May 02, 20241.26 EUR/sh
Earnings
May 06, 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 | FY |
|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | ||||||
Revenues | 321,300 16.16% | 276,600 8.60% | 254,700 2.78% | |||
Cost of revenue | 58,100 | 28,500 | 49,700 | |||
Unusual Expense (Income) | ||||||
NOPBT | 263,200 | 248,100 | 205,000 | |||
NOPBT Margin | 81.92% | 89.70% | 80.49% | |||
Operating Taxes | 15,000 | 6,300 | 5,500 | |||
Tax Rate | 5.70% | 2.54% | 2.68% | |||
NOPAT | 248,200 | 241,800 | 199,500 | |||
Net income | 45,400 10.46% | 41,100 59.92% | 25,700 88.97% | |||
Dividends | (24,300) | (23,600) | ||||
Dividend yield | 9.10% | |||||
Proceeds from repurchase of equity | (1,200) | (2,000) | (600) | |||
BB yield | 0.77% | 0.24% | ||||
| Debt | ||||||
Debt current | ||||||
Long-term debt | 100 | |||||
Deferred revenue | ||||||
Other long-term liabilities | (100) | |||||
Net debt | (2,730,600) | (2,462,700) | (2,467,300) | |||
| Cash flow | ||||||
Cash from operating activities | 363,500 | 174,700 | 211,400 | |||
CAPEX | (12,600) | (9,900) | (7,900) | |||
Cash from investing activities | (333,800) | (271,700) | (182,900) | |||
Cash from financing activities | (33,000) | (31,600) | (6,700) | |||
FCF | 252,500 | 231,700 | 207,800 | |||
| Balance | ||||||
Cash | 1,251,500 | 1,254,500 | 1,382,900 | |||
Long term investments | 1,479,100 | 1,208,200 | 1,084,500 | |||
Excess cash | 2,714,535 | 2,448,870 | 2,454,665 | |||
Stockholders' equity | 641,100 | 621,500 | 603,100 | |||
Invested Capital | 5,767,800 | 5,530,000 | 5,391,000 | |||
ROIC | 4.39% | 4.43% | 3.75% | |||
ROCE | 4.11% | 4.03% | 3.42% | |||
| EV | ||||||
Common stock shares outstanding | 19,423 | 19,473 | ||||
Price | 19.70 47.57% | 13.35 5.53% | 12.65 -7.33% | |||
Market cap | 259,292 5.26% | 246,338 -7.45% | ||||
EV | (2,203,408) | (2,220,962) | ||||
EBITDA | 280,600 | 265,400 | 223,000 | |||
EV/EBITDA | ||||||
Interest | 68,200 | 49,000 | 18,800 | |||
Interest/NOPBT | 25.91% | 19.75% | 9.17% | |||