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: 29.7 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 (7 months ago)
RSI (14) 54.5
SMA 50 14.96
SMA 200 14.04

Price Valuation

Current Price 14.95
Fair Value (PE 15) 7.55
Overvalued 50%
Graham Number 4.58
Downside 69%

Forecast

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

📊 Market & Peer Context

Benchmark: BET
Volatility (Beta)
0.02
Less Volatile than Market
Correlation
0.01
Moves with Market
Relative Strength (1Y)
-55.65%
vs Benchmark
Index Returns (1Y)
69.8%
BET

Historical Performance

Metric 5Y 3Y 1Y YTD 6M 3M 1M 1W
TBK 3.8% -26.0% 21.1% 0.7% 1.7% 0.3% 0.0% 0.0%
BET - 132.5% 69.8% 18.5% 33.0% 5.8% 2.6% 1.7%
Alpha (Diff) - -158.5% -48.8% -17.9% -31.3% -5.5% -2.6% -1.7%

Financial Reports

Price Chart

Sector: Other

Based on Market Cap
LEADER
SCD
Zentiva S.A.
3,151M
ONE
One United Properties SA
2,964M
EVER
Evergent Investments SA
2,701M
CRC
Chimcomplex S.A.
2,531M
LION
Lion Capital S.A.
2,412M
FP
Fondul Proprietatea SA
2,339M
AQ
Aquila Part Prod Com S.A.
2,062M
INFINITY
Infinity Capital Investments S.A.
1,981M
SFG
Sphera Franchise Group S.A.
1,539M
ARS
Aerostar S.A.
1,462M
SOCP
SOCEP S.A.
1,187M
GREEN
Green Tech International S.A.
1,111M
ALR
Alro S.A.
1,071M
WINE
Purcari Wineries Public Company Limited
789M
AROBS
AROBS Transilvania Software S.A.
706M
COTE
Conpet S.A.
677M
CMVX
Comvex S.A.
662M
TTS
TTS (Transport Trade Services) S.A.
589M
IMP
Impact Developer & Contractor S.A.
567M
DN
Dn Agrar Group S.A.
463M
SMTL
Simtel Team S.A.
459M
BVB
Bursa de Valori Bucuresti SA
371M
OIL
Oil Terminal S.A.
342M
SIDG
S.C. ArcelorMittal Hunedoara S.A.
342M
IARV
IAR S.A.
319M
GSH
GRUP SERBAN HOLDING SA
312M
SCDM
S.C. Unirea Shopping Center S.A.
258M
RCHI
Societatea Comerciala Compania Hoteliera Intercontinental Romania S.A.
238M
FOSB
SC Foraj Sonde SA Craiova
237M
PPLI
Professional Imo Partners S.A.
232M

ETAPA 1 • MUST HAVE

5/8
Healthy Leverage (Debt/Equity)
0.10
Target: < 1.5
Gross Margin vs Industry
0.0% vs 0.0%
Target: > 0.0%
Operating Cash Flow vs Profit
0%
Target: > 1.0
Free Cash Flow vs Profit
-118%
Target: > 0.8
ROIC (Return on Capital)
14.63%
Target: Positive
ROIC vs WACC
ROIC: 14.6% / WACC: 320,928.3%
Target: > WACC
ROE (Return on Equity)
23.9%
Target: > 10%
EBITDA Positive
3.06M
Target: > 0

ETAPA 2 • CRITERII

5/9
Interest Coverage
Target: > 3x • 0.0x
Miss
Net Margin vs Industry
Target: > 0.0% • 2.4%
Passed
ROA vs Industry
Target: > 3.6% • 6.2%
Passed
Current Ratio
Target: > 1.5 • 1.37
Miss
Assets Growth (5y)
Target: > 0% • 14.0% CAGR
Passed
FCF CAGR (5y)
Target: > 5% • 0.0%
Miss
EV/EBITDA vs Industry
Target: < Industry • 0.0 vs 0.0
Miss
Net Debt / EBITDA
Target: < 3 • 0.29
Passed
Revenue CAGR (5y)
Target: > 5% • 8.3%
Passed

SNAPSHOT COMPANIE

Capitalizare
0.07B RON
EBITDA
3.06M
P/E Ratio
29.71
PEG Ratio
3.57
Dividend Yield
4.20%
Beta
0.02
Valoare Intrinsecă (Graham)
4.58 RON
Discount
-69.4%

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

Jul 03, 2018 — Jan 26, 2026 1825 Records
Date Open High Low Close Volume
2026-01-26 15.00 15.00 14.95 14.95 974
2026-01-25 15.15 15.15 14.85 15.05 1,970
2026-01-24 15.00 15.15 15.00 15.10 2,219
2026-01-22 15.00 15.15 15.00 15.10 2,219
2026-01-21 15.10 15.10 15.05 15.05 190
2026-01-20 15.05 15.10 14.95 15.10 1,142
2026-01-19 14.80 15.00 14.80 15.00 1,195
2026-01-18 14.85 14.95 14.80 14.80 2,372
2026-01-15 14.90 15.15 14.80 14.90 3,044
2026-01-14 15.10 15.10 14.85 15.00 1,773
2026-01-13 15.00 15.05 14.90 15.00 1,368
2026-01-12 15.10 15.10 14.85 15.10 204
2026-01-11 15.10 15.10 14.85 15.10 204
2026-01-09 15.10 15.10 14.85 14.85 608
2026-01-08 15.10 15.10 14.85 14.85 608
2026-01-07 15.00 15.10 14.80 14.85 1,479
2026-01-06 14.85 15.00 14.80 14.90 783
2026-01-05 14.85 15.00 14.80 14.90 783
2026-01-04 14.85 15.00 14.80 14.90 783
2026-01-01 14.85 14.85 14.85 14.85 545
2025-12-31 14.85 14.85 14.85 14.85 545
2025-12-30 14.85 14.85 14.85 14.85 545
2025-12-29 14.85 14.85 14.85 14.85 545
2025-12-28 14.85 15.05 14.70 14.95 710
2025-12-25 14.60 15.15 14.60 15.10 767
2025-12-24 14.60 15.15 14.60 15.10 767
2025-12-23 14.60 15.15 14.60 15.10 767
2025-12-22 14.60 15.15 14.60 15.10 767
2025-12-21 15.00 15.15 14.45 14.90 724
2025-12-19 15.00 15.00 14.90 14.90 1,805
2025-12-18 15.00 15.00 14.90 14.90 1,805
2025-12-17 14.95 15.00 14.95 14.95 976
2025-12-16 14.90 15.00 14.10 14.95 212,660
2025-12-15 14.95 14.95 14.85 14.85 511
2025-12-14 15.10 15.10 14.85 15.10 490
2025-12-12 15.00 15.10 15.00 15.10 325
2025-12-11 15.00 15.10 15.00 15.10 325
2025-12-10 14.90 15.00 14.85 14.85 464
2025-12-09 15.10 15.10 15.10 15.10 347
2025-12-08 14.80 15.10 14.80 15.10 391
2025-12-07 14.85 15.00 14.85 14.85 176
2025-12-05 15.10 15.10 14.80 14.80 593
2025-12-04 15.10 15.10 14.80 14.80 593
2025-12-03 15.00 15.10 14.80 15.10 447
2025-12-02 14.80 14.90 14.80 14.90 761
2025-12-01 14.95 15.00 14.80 15.00 3,349
2025-11-30 14.80 14.90 14.80 14.90 115
2025-11-28 14.80 14.90 14.80 14.90 115
2025-11-27 14.80 14.90 14.80 14.90 115
2025-11-26 14.85 14.90 14.80 14.90 2,998