Transilvania Broker de Asigurare S.A.

TBK

Transilvania Broker de Asigurare S.A. operates as an insurance distributor in Romania.The company offers insurance products for life, health, accident, home, buildings or construction workings, goods...

Website | Insurance Agents, Brokers, and Service | Other

Automated Financial Analysis

🤵

Financial Advisor Insight

"Current valuation levels are elevated, suggesting the price may be ahead of fundamentals. Technicals confirm a positive long-term trend, supported by moving averages. Growth forecasts are robust, which could drive future appreciation."

Sentiment: Neutral Action: Hold

"Company demonstrates strong financial health with positive growth and stability indicators."

Overvalued based on PE (Current: 33.1 vs Fair: 15).
Bullish Trend (SMA50 > SMA200).
Forecast: Continued Revenue Growth (~14.4% next year).

Technical Analysis

Trend Bullish (Long Term)
Last Cross
Golden Cross (1 year ago)
RSI (14) 51.2
SMA 50 16.64
SMA 200 16.50

Price Valuation

Current Price 16.65
Fair Value (PE 15) 7.55
Overvalued 55%
Graham Number 4.58
Downside 72%

Forecast

Rev Forecast (Next Yr) 127M
Growth Forecast 14.4%

📊 Market & Peer Context

Benchmark: BET
Volatility (Beta)
0.13
Less Volatile than Market
Correlation
0.07
Moves with Market
Relative Strength (1Y)
-30.90%
vs Benchmark
Index Returns (1Y)
47.5%
BET

Historical Performance

Metric 5Y 3Y 1Y YTD 6M 3M 1M 1W
TBK -2.1% -17.2% 14.8% 12.1% -2.1% 1.2% 1.2% 4.1%
BET - 124.9% 47.5% 30.0% 13.9% -6.8% -8.6% 0.2%
Alpha (Diff) - -142.1% -32.7% -17.9% -16.0% +8.0% +9.8% +3.9%

Financial Reports

Price Chart

Evoluție Istorică (Fundamente)

Cum au evoluat metricile cheie an de an - ca să vezi dacă TBK crește, stagnează sau se deteriorează, nu doar cum arată azi.

Indicator 2021 2022 2023 2024 2025 2026 TTM 2026 TTM Tendință
P/E Ratio ⓘ 12.42 7.65 14.47 29.81 13.90 16.22 14.75 ▼ +2.33
ROE ⓘ 77.77% 95.32% 58.65% 23.93% 51.17% 55.86% 91.19% ▲ +13.42%
Randament Dividend ⓘ 12.42% 14.73% 5.40% 4.49% 8.63% 3.64% 7.32% ▼ -5.11%
Datorie / Capital Propriu ⓘ 0.26 0.15 0.12 0.11 0.04 0.04 3.96 ▼ +3.70

Precizie Prognoză (Istoric)

Cât de aproape au fost estimările trecute de creștere/valoare justă față de ce s-a întâmplat de fapt.

Colectăm date din 15.08.2026 - prima comparație va fi posibilă din 2025, când apare raportul anual real pentru acel an.

ETAPA 1 • MUST HAVE

5/8
Healthy Leverage (Debt/Equity) ⓘ
0.10 țintă < 1.5
▼
Gross Margin vs Industry ⓘ
3.2% vs 50.3% țintă > 50.3%
▼
Operating Cash Flow vs Profit ⓘ
-117% țintă > 100%
▼
Free Cash Flow vs Profit ⓘ
-118% țintă > 80%
▼
ROIC (Return on Capital) ⓘ
14.63% țintă Positive
▼
ROIC vs WACC ⓘ
ROIC: 14.6% / WACC: 3.8% țintă > WACC
▼
ROE (Return on Equity) ⓘ
23.9% țintă > 10%
▼
EBITDA Positive ⓘ
3.06M țintă > 0
▼

ETAPA 2 • CRITERII

7/12
Interest Coverage ⓘ
27.7x țintă > 3x
▼
Passed
Net Margin vs Industry ⓘ
2.4% țintă > 26.8%
▼
Miss
ROA vs Industry ⓘ
6.2% țintă > 4.2%
▼
Passed
Current Ratio ⓘ
1.37 țintă > 1.5
▼
Miss
Assets Growth (5y) ⓘ
14.0% CAGR țintă > 0%
▲
Passed
FCF CAGR (5y) ⓘ
N/A țintă > 5%
▼
N/A
EV/EBITDA vs Industry ⓘ
21.4 vs 21.9 țintă < Industry
▲
Passed
Net Debt / EBITDA ⓘ
0.29 țintă < 3
▼
Passed
Revenue CAGR (5y) ⓘ
8.3% țintă > 5%
▲
Passed
Quick Ratio ⓘ
1.33 țintă > 1.0
▼
Passed
Payout Ratio (Dividend) ⓘ
N/A țintă < 80%
N/A
EBITDA Margin vs Industry ⓘ
2.9% vs 27.9% țintă > 27.9%
▼
Miss

SNAPSHOT COMPANIE

HOLD 65% încredere
Etapa 1: 63% • Etapa 2: 70%
Semnal algoritmic bazat pe fundamentale, nu recomandare de investiție.
Capitalizare ⓘ
0.08B RON
EBITDA ⓘ
3.06M
P/E Ratio ⓘ
33.09
PEG Ratio ⓘ
3.98
Dividend Yield ⓘ
4.20%
Beta ⓘ
0.13
Valoare Intrinsecă (Graham) vs. Preț Curent ⓘ
Preț Curent 16.65 RON
Valoare Graham 4.58 RON
Supraevaluare 72.5%

financial report

Annual Data
Metric TTM TTM 2025 2025 2024
Fiscal Year 2,026 2,026 2,025 2,024 2,023
Fiscal Quarter Q2 Q1 Q4 Q4 Q4
Marketcap 82,000,000 82,250,000 74,250,000 75,000,000 109,500,000
Enterprise Value 95,396,910 70,269,090 64,089,000 65,376,220 98,687,790
Last Close Ratios 1,640.00% 1,645.00% 1,389.96% 1,337.67% 1,852.84%
Pe 14.75 16.22 13.90 29.81 14.47
PS Ratio 0.57 0.61 0.58 0.70 0.99
PB Ratio 13.95 8.13 6.40 8.09 9.32
P/TBV Ratio 14.00 8.15 6.41 8.09 9.32
P/FCF Ratio - 54.96 46.55 - -
P/OCF Ratio - 50.87 43.29 - -
Evrevenue 0.66 0.52 0.50 0.61 0.89
EV/EBITDA Ratio 14.06 11.16 9.76 21.36 11.20
EV/EBIT Ratio 14.75 11.76 10.25 23.96 11.66
EV/FCF Ratio - 46.95 40.18 - -
Debtequity 3.96 0.04 0.04 0.11 0.12
Debt / EBITDA Ratio 3.43 0.06 0.07 0.32 0.16
Debt / FCF Ratio - 0.25 0.29 - -
Net Debt / Equity Ratio 2.28 -1.18 -0.70 -0.80 -0.87
Net Debt / EBITDA Ratio 1.98 -1.90 -1.23 -2.42 -1.16
Net Debt / FCF Ratio -5.92 -8.01 -5.08 2.50 3.30
Asset Turnover 437.70% 430.90% 500.60% 388.70% 358.80%
Inventory Turnover 19,312,459.00% 49,763,616.70% 50,502,090.80% 56,979,428.70% -
Quick Ratio 1.05 1.21 1.44 1.33 1.49
Current Ratio 1.05 1.24 1.49 1.37 1.55
Roe 91.19% 55.86% 51.17% 23.93% 58.65%
Return on Assets (ROA) 12.20% 11.94% 15.36% 6.22% 17.09%
Return on Invested Capital (ROIC) 62.97% 614.46% 197.75% 143.20% 523.05%
Return on Capital Employed (ROCE) 1.09 0.58 0.53 0.28 0.63
Earningsyield 6.78% 6.17% 7.19% 3.35% 6.91%
FCF Yield -2.76% 1.82% 2.15% -3.95% -2.84%
Dividend Yield 7.32% 3.64% 8.63% 4.49% 5.40%
Totalreturn 7.32% 3.64% 8.63% 4.49% 5.40%

Balance Sheet

Annual Data
Metric TTM 2024 2024 2023 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Cash & Equivalents 10,746,453 8,381,980 6,782,917 8,819,527 10,578,292
Short-Term Investments - - 4,880,000 6,000,000 -
Totalcash 10,746,453 8,381,980 11,662,917 14,819,527 10,578,292
Cash Growth 0.07% -28.13% -21.30% 40.09% 60.85%
Accounts Receivable 13,797,964 648,124 2,708,678 4,064,729 2,476,445
Other Receivables - 11,299,692 9,994,073 6,921,702 5,175,785
Receivables 13,797,964 11,947,816 12,702,751 10,986,431 7,652,230
Inventory 435 182 181 - -
Other Current Assets - 666,000 1,113,800 1,612,816 989,435
Assetsc 24,544,852 20,995,978 25,479,649 27,418,774 19,219,957
Property, Plant & Equipment 3,787,370 3,954,700 4,269,762 4,571,645 4,845,340
Other Intangible Assets 27,559 2,302 8,803 15,595 16,246
Other Long-Term Assets 56,405 53,419 68,358 60,610 67,630
Assets 29,116,186 25,006,399 29,826,572 32,066,624 24,149,173
Accounts Payable 19,939,100 13,835,471 14,755,084 10,778,926 8,826,266
Accrued Expenses 869,229 592,804 858,922 - 886,495
Current Portion of Long-Term Debt 277,601 430,619 433,419 433,419 433,419
Current Portion of Leases 72,118 - - 103,968 100,160
Current Income Taxes Payable - - - - -
Other Current Liabilities 306,120 419,508 352,926 3,827,828 159,500
Total Current Liabilities 21,464,168 15,278,402 16,400,351 15,144,141 10,405,840
Long-Term Debt 235,737 407,783 838,402 1,271,820 1,705,239
Long-Term Leases - 52,143 140,864 248,031 351,995
Other Long-Term Liabilities - - 694,456 1,354,621 1,542,425
Total Liabilities 21,699,905 15,738,328 18,074,073 18,018,613 14,005,499
Common Stock 500,000 500,000 500,000 500,000 500,000
Retained Earnings 6,916,281 8,768,071 11,252,499 13,673,011 9,643,674
Comprehensive Income & Other - - - - -
Equity 7,416,281 9,268,071 11,752,499 14,048,011 10,143,674
Total Liabilities & Equity 29,116,186 25,006,399 29,826,572 32,066,624 24,149,173
Filing Date Shares Outstanding 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
Total Common Shares Outstanding 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
Book Value Per Share 1.48 1.85 2.35 2.81 2.03
Tangible Book Value 7,388,722 9,265,769 11,743,696 14,032,416 10,127,428
Tangible Book Value Per Share 1.48 1.85 2.35 2.81 2.03
Total Debt 585,456 890,545 1,412,685 2,057,238 2,590,813
Net Cash (Debt) 10,160,997 7,491,435 10,250,232 12,762,289 7,987,479
Net Cash Growth 5.58% -26.91% -19.68% 59.78% 104.84%
Netcashpershare 2.03 1.50 2.05 2.55 1.60
Working Capital 3,080,684 5,717,576 9,079,298 12,274,633 8,814,117
Treasury Stock - - - -125,000 -
Land 3,819,032 3,819,033 3,819,033 3,819,033 3,819,034
Machinery 2,267,405 2,297,759 2,288,009 2,256,181 2,189,642

Cash Flow Statement

Annual Data
Metric TTM 2024 2024 2023 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Net Income 1,477,782 2,515,572 7,566,324 11,529,337 6,883,983
Depreciation & Amortization 452,004 331,314 347,872 - -
Change in Accounts Receivable - - - - -
Change in Accounts Payable - - - - -
Other Operating Activities -769,211 -5,796,652 -10,953,033 -6,682,075 -2,112,218
Ncfo 1,160,575 -2,949,766 -3,038,837 4,847,262 4,771,765
Ocf Growth - - - 1.58% 153.44%
Capex -9,750 -9,750 -70,026 -80,559 -231,816
Sale (Purchase) of Intangibles - - - - -
Investment in Securities - 4,880,000 1,120,000 -6,000,000 2,000,000
Other Investing Activities 98,064 221,345 489,692 132,814 38,574
Ncfi -611,686 5,091,595 1,539,666 -5,947,745 1,809,373
Short-Term Debt Issued - - - 11,600 17,050
Long-Term Debt Issued - - - - 20,000
Total Debt Issued - - - 11,600 37,050
Short-Term Debt Repaid - - - -11,600 -20,450
Long-Term Debt Repaid - -542,019 -537,439 -533,283 -595,875
Total Debt Repaid -540,568 -542,019 -537,439 -544,883 -616,325
Net Debt Issued (Repaid) -540,568 -542,019 -537,439 -533,283 -579,275
Issuance of Common Stock - - - - -
Repurchase of Common Stock - - - -125,000 -
Common Dividends Paid - - - - -
Other Financing Activities - - - - 1
Financing Cash Flow -540,568 -542,019 -537,439 -658,283 -579,274
Net Cash Flow 7,575 1,599,063 -2,036,610 -1,758,766 6,001,863
Free Cash Flow 1,150,825 -2,959,516 -3,108,863 4,766,703 4,539,949
Free Cash Flow Growth - - - 5.00% -
Fcf Margin 1.00% -2.78% -2.80% 3.67% 4.59%
Fcfps 0.23 -0.59 -0.62 0.95 0.91
Levered Free Cash Flow 4,410,390 2,049,202 5,610,586 8,880,198 5,650,231
Unlevered Free Cash Flow 4,453,980 2,110,690 5,709,258 8,962,190 5,707,858
Cash Interest Paid - - - 131,187 92,202
Cash Income Tax Paid - 621,219 1,475,950 1,692,828 1,022,640
Change Working Capital - - - - -
Sale of Property, Plant & Equipment - - - - -
Miscellaneous Cash Flow Adjustments -746 -747 - - -1

Income Statement

Annual Data
Metric TTM 2024 2024 2023 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Revenue 115,135,397 106,557,166 111,034,347 129,930,902 98,907,452
Revenue Growth 7.68% -4.03% -14.54% 31.37% 27.77%
Operating Revenue 114,991,762 106,530,434 111,013,199 129,892,569 98,905,785
Other Revenue 143,635 26,732 21,148 38,333 1,667
Cost of Revenue 112,637,528 103,132,766 101,147,587 113,756,289 88,043,444
Gp 2,497,869 3,424,400 9,886,760 16,174,613 10,864,008
Selling, General & Admin 299,736 299,736 532,343 896,406 682,090
Other Operating Expenses 177,589 64,484 544,594 1,697,961 1,679,629
Operating Expenses 808,639 695,534 1,424,809 2,949,272 2,646,756
Operating Income 1,689,230 2,728,866 8,461,951 13,225,341 8,217,252
Interest Expense -69,744 -98,381 -157,876 -131,187 -92,202
Interest & Investment Income 97,485 220,498 484,854 126,117 38,573
Currency Exchange Gain (Loss) - - - - -
Other Non Operating Income (Expenses) -4,030 -4,030 -7,722 -1,205 -9,801
Pretax Income 1,730,075 2,846,953 8,781,207 13,219,066 8,153,822
Income Tax Expense 252,293 331,381 1,214,883 1,689,729 1,269,839
Net Income 1,477,782 2,515,572 7,566,324 11,529,337 6,883,983
Net Income to Common 1,477,782 2,515,572 7,566,324 11,529,337 6,883,983
Net Income Growth -57.36% -66.75% -34.37% 67.48% 29.23%
Shares Basic 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
Shares Outstanding (Diluted) 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
Shares Yo Y - - - - -
Eps Basic 0.30 0.50 1.51 2.31 1.38
EPS (Diluted) 0.30 0.50 1.51 2.31 1.38
EPS Growth -57.36% -66.75% -34.37% 67.48% 29.23%
Free Cash Flow 1,150,825 -2,959,516 -3,108,863 4,766,703 4,539,949
Free Cash Flow Per Share 0.23 -0.59 -0.62 0.95 0.91
Dps 0.60 0.60 1 2 1.50
Dividend Growth -40.00% -40.00% -50.00% 33.33% 74.42%
Gross Margin 2.17% 3.21% 8.90% 12.45% 10.98%
Operating Margin 1.47% 2.56% 7.62% 10.18% 8.31%
Profit Margin 1.28% 2.36% 6.81% 8.87% 6.96%
Free Cash Flow Margin 1.00% -2.78% -2.80% 3.67% 4.59%
Effective Tax Rate 0.15 0.12 0.14 0.13 0.16
EBITDA 1,972,495 3,060,180 8,809,823 13,580,246 8,502,289
D&A For EBITDA 283,265 331,314 347,872 354,905 285,037
EBITDA Margin 1.71% 2.87% 7.93% 10.45% 8.60%
EBIT 1,689,230 2,728,866 8,461,951 13,225,341 8,217,252
EBIT Margin 1.47% 2.56% 7.62% 10.18% 8.31%
Revenue as Reported 115,135,398 106,557,167 111,034,347 129,930,902 98,907,452
Advertising Expenses - 202,944 416,306 896,406 682,090
Payoutratio - - - - -

Ratios and Metrics

Annual Data
Metric TTM 2024 2024 2023 2022
Fiscal Year 2,025 2,024 2,023 2,022 2,021
Fiscal Quarter Q3 Q4 Q4 Q4 Q4
Marketcap 74,000,000 75,000,000 109,500,000 88,250,000 85,500,000
Market Cap Growth -9.20% -31.51% 24.08% 3.22% 58.33%
Enterprise Value 63,839,000 65,376,220 98,687,790 79,282,010 75,779,570
Last Close Ratios 1,480.00% 1,429.13% 1,979.53% 1,450.34% 1,289.97%
Pe 50.08 29.81 14.47 7.65 12.42
PS Ratio 0.64 0.70 0.99 0.68 0.86
PB Ratio 9.98 8.09 9.32 6.28 8.43
P/TBV Ratio 10.02 8.09 9.32 6.29 8.44
P/FCF Ratio 64.30 - - 18.51 18.83
P/OCF Ratio 63.76 - - 18.21 17.92
EV/Sales Ratio 0.55 0.61 0.89 0.61 0.77
EV/EBITDA Ratio 32.36 21.36 11.20 5.84 8.91
EV/EBIT Ratio 37.79 23.96 11.66 6.00 9.22
EV/FCF Ratio 55.47 - - 16.63 16.69
Debt / Equity Ratio 0.08 0.10 0.12 0.15 0.26
Debt / EBITDA Ratio 0.30 0.29 0.16 0.15 0.30
Debt / FCF Ratio 0.51 - - 0.43 0.57
Asset Turnover 387.60% 388.70% 358.80% 462.30% 507.60%
Inventory Turnover 36,570,626.00% 56,979,428.70% - - -
Quick Ratio 1.14 1.33 1.49 1.70 1.75
Current Ratio 1.14 1.37 1.55 1.81 1.85
Roe 18.07% 23.93% 58.65% 95.32% 77.77%
Return on Assets (ROA) 3.55% 6.22% 17.09% 29.41% 26.36%
Return on Capital (ROIC) 11.70% 14.63% 36.14% 57.32% 44.71%
Return on Capital Employed (ROCE) 0.22 0.28 0.63 0.78 0.60
Earningsyield 2.00% 3.35% 6.91% 13.06% 8.05%
FCF Yield 1.56% -3.95% -2.84% 5.40% 5.31%
Dividend Yield 4.05% 4.20% 5.05% 13.79% 11.63%
Payout Ratio - - - - -
Buyback Yield / Dilution - - - - -
Totalreturn 4.05% 4.20% 5.05% 13.79% 11.63%

Price History

May 23, 2019 — Sep 30, 2026 1825 Records
Date Open High Low Close Volume
2026-09-30 16.45 16.65 16.45 16.65 94
2026-09-29 16.70 16.80 15.95 16.65 1,225
2026-09-28 16.25 16.80 16.25 16.70 327
2026-09-27 16.90 16.90 16.00 16.70 1,618
2026-09-24 16.00 16.00 16.00 16.00 199
2026-09-23 16.65 16.65 16.00 16.00 1,167
2026-09-22 16.45 16.50 16.45 16.50 3,201
2026-09-21 16.45 16.45 16.45 16.45 500
2026-09-17 16.40 16.45 16.00 16.40 2,213
2026-09-16 16.55 16.55 16.00 16.50 1,531
2026-09-15 16.35 16.55 16.35 16.55 432
2026-09-14 16.40 16.75 16.40 16.75 728
2026-09-13 16.85 16.85 16.45 16.80 472
2026-09-10 16.85 16.85 16.65 16.85 436
2026-09-09 16.60 16.60 16.60 16.60 200
2026-09-07 16.50 16.50 16.50 16.50 280
2026-09-06 16.50 16.50 16.45 16.50 673
2026-09-02 16.45 16.85 16.45 16.45 720
2026-09-01 16.45 16.80 16.45 16.45 243
2026-08-30 16.15 16.40 16.15 16.40 395
2026-08-27 16.85 16.90 16.15 16.20 1,215
2026-08-25 16.45 16.50 16.45 16.50 655
2026-08-24 16.40 16.45 16.40 16.45 477
2026-08-23 16.50 16.50 16.45 16.50 583
2026-08-20 16.50 16.50 16.45 16.50 546
2026-08-19 16.50 16.55 16.50 16.50 270
2026-08-18 16.90 16.90 16.60 16.60 724
2026-08-17 16.80 16.90 16.75 16.90 910
2026-08-16 16.70 16.95 16.70 16.80 1,000
2026-08-13 16.70 16.70 16.60 16.60 651
2026-08-12 16.55 16.60 16.55 16.60 886
2026-08-11 16.55 16.75 16.50 16.75 568
2026-08-10 16.50 16.50 16.40 16.50 1,344
2026-08-09 16.70 16.70 16.50 16.55 501
2026-08-06 16.85 16.85 16.75 16.75 640
2026-08-05 16.90 17.00 16.90 17.00 180
2026-08-04 17.00 17.00 17.00 17.00 400
2026-08-03 17.00 17.00 16.50 17.00 534
2026-08-02 16.70 17.00 16.70 17.00 77
2026-07-30 17.00 17.00 16.90 16.90 236
2026-07-29 17.10 17.10 17.10 17.10 56
2026-07-28 17.20 17.20 16.70 16.70 1,158
2026-07-27 16.90 17.00 16.90 17.00 1,779
2026-07-26 16.95 16.95 16.65 16.95 87
2026-07-23 16.90 16.95 16.70 16.95 527
2026-07-22 16.50 16.90 16.40 16.60 703
2026-07-21 16.50 16.90 16.50 16.90 523
2026-07-20 16.40 16.80 16.40 16.50 119
2026-07-19 16.40 16.75 16.40 16.75 348
2026-07-15 16.50 16.75 16.35 16.75 343