Banca Transilvania S.A.
TLVBanca Transilvania S.A. provides various banking products and services in Romania, Italy, and the Republic of Moldova.The company operates through Large Corporate Clients, Medium Corporate Customers,...
Automated Financial Analysis
🤵
Financial Advisor Insight
"The stock appears significantly undervalued compared to its earnings potential. Momentum is currently negative, indicating caution for short-term entries. Growth forecasts are robust, which could drive future appreciation. Selling pressure in the order book suggests short-term distribution."
Sentiment: Bearish
Action: Hold
"Company demonstrates strong financial health with positive growth and stability indicators."
Technical Analysis
Trend
Bearish (Long Term)
Last Cross
Death Cross
(1 week ago)
RSI (14)
51.9
SMA 50
36.21
SMA 200
36.62
Price Valuation
Current Price
34.78
Fair Value (PE 15)
62.72
Undervalued 80%
Graham Number
37.87
Upside 9%
Forecast
Rev Forecast (Next Yr)
10,511M
Growth Forecast
10.7%
📊 Market & Peer Context
Benchmark: BETVolatility (Beta)
0.2
Less Volatile than Market
Correlation
0.13
Moves with Market
Relative Strength (1Y)
-21.95%
vs Benchmark
Index Returns (1Y)
47.5%
BET
Historical Performance
| Metric | 5Y | 3Y | 1Y | YTD | 6M | 3M | 1M | 1W |
|---|---|---|---|---|---|---|---|---|
| TLV | 126.3% | 109.2% | 23.8% | 15.2% | -2.8% | -12.0% | -3.1% | 1.6% |
| BET | - | 124.9% | 47.5% | 30.0% | 13.9% | -6.8% | -8.6% | 0.2% |
| Alpha (Diff) | - | -15.7% | -23.8% | -14.8% | -16.7% | -5.2% | +5.6% | +1.5% |
Financial Reports
Price Chart
Evoluție Istorică (Fundamente)
Cum au evoluat metricile cheie an de an - ca să vezi dacă TLV crește, stagnează sau se deteriorează, nu doar cum arată azi.
| Indicator | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 TTM | 2026 TTM | Tendință |
|---|---|---|---|---|---|---|---|---|
| P/E Ratio ⓘ | 8.19 | 5.85 | 6.69 | 5.52 | 7.35 | 9.92 | 8.94 | ▼ +0.75 |
| ROE ⓘ | 19.30% | 24.84% | 25.54% | 30.20% | 22.88% | 23.17% | 24.47% | ▲ +5.17% |
| Randament Dividend ⓘ | 6.33% | 6.93% | 5.99% | 7.17% | 6.60% | 4.48% | 4.80% | ▼ -1.53% |
| Datorie / Capital Propriu ⓘ | 0.97 | 0.75 | 0.91 | 0.90 | 0.89 | 0.85 | 0.94 | ▲ -0.03 |
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.
Sector: Financials
Based on Market CapETAPA 1 • MUST HAVE
6/8
Healthy Leverage (Debt/Equity) ⓘ
0.90
țintă < 1.5
▲
Gross Margin vs Industry ⓘ
72.8% vs 0.0%
țintă > 0.0%
▼
Operating Cash Flow vs Profit ⓘ
-435%
țintă > 100%
▼
Free Cash Flow vs Profit ⓘ
-440%
țintă > 80%
▼
ROIC (Return on Capital) ⓘ
13.78%
țintă Positive
▲
ROIC vs WACC ⓘ
ROIC: 13.8% / WACC: 13.7%
țintă > WACC
▲
ROE (Return on Equity) ⓘ
30.2%
țintă > 10%
▲
EBITDA Positive ⓘ
5,442.37M
țintă > 0
▲
ETAPA 2 • CRITERII
6/12Interest Coverage ⓘ
1.3x
țintă > 3x
▼
Miss
Net Margin vs Industry ⓘ
48.0%
țintă > 38.9%
▲
Passed
ROA vs Industry ⓘ
2.5%
țintă > 1.9%
▲
Passed
Current Ratio ⓘ
N/A
țintă > 1.5
N/A
Assets Growth (5y) ⓘ
17.8% CAGR
țintă > 0%
▲
Passed
FCF CAGR (5y) ⓘ
N/A
țintă > 5%
▼
N/A
EV/EBITDA vs Industry ⓘ
0.0 vs 0.0
țintă < Industry
–
Miss
Net Debt / EBITDA ⓘ
2.87
țintă < 3
▲
Passed
Revenue CAGR (5y) ⓘ
26.2%
țintă > 5%
▲
Passed
Quick Ratio ⓘ
N/A
țintă > 1.0
N/A
Payout Ratio (Dividend) ⓘ
20.6%
țintă < 80%
▼
Passed
EBITDA Margin vs Industry ⓘ
N/A
țintă > 0.0%
N/A
SNAPSHOT COMPANIE
BUY
75% încredere
Etapa 1: 75%
• Etapa 2: 75%
Semnal algoritmic bazat pe fundamentale, nu recomandare de investiție.
Capitalizare ⓘ
37.88B RON
EBITDA ⓘ
5,442.37M
P/E Ratio ⓘ
8.32
PEG Ratio ⓘ
0.32
Dividend Yield ⓘ
6.93%
Beta ⓘ
0.20
Valoare Intrinsecă (Graham) vs. Preț Curent ⓘ
Preț Curent
34.78 RON
Valoare Graham
37.87 RON
Discount
8.9%
financial report
Annual Data| Metric | TTM | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|---|
| Fiscal Year | 2,026 | 2,026 | 2,025 | 2,024 | 2,023 |
| Fiscal Quarter | Q2 | Q1 | Q4 | Q4 | Q4 |
| Marketcap | 44,155,942,848 | 46,718,503,673 | 32,927,921,845 | 25,120,933,953 | 19,328,894,819 |
| Last Close Ratios | 3,550.00% | 3,756.00% | 2,552.37% | 1,776.85% | 1,337.99% |
| Pe | 8.94 | 9.92 | 7.35 | 5.52 | 6.69 |
| Pe Forward | 9.50 | 10.92 | 8.50 | 6.66 | 7.71 |
| PS Ratio | 3.76 | 4.12 | 3.01 | 2.65 | 2.61 |
| PB Ratio | 1.81 | 1.94 | 1.41 | 1.44 | 1.39 |
| Ptbv Ratio | 2.02 | 2.15 | 1.57 | 1.62 | 1.56 |
| Debtequity | 0.94 | 0.85 | 0.89 | 0.90 | 0.91 |
| Net Debt / Equity Ratio | 0.28 | 0.20 | -0.17 | -0.29 | -0.45 |
| Net Debt / FCF Ratio | -0.24 | -0.23 | 0.56 | 0.25 | 0.54 |
| Roe | 24.47% | 23.17% | 22.88% | 30.20% | 25.54% |
| Return on Assets (ROA) | 2.35% | 2.27% | 2.16% | 2.51% | 1.93% |
| Earningsyield | 11.21% | 10.10% | 13.60% | 18.13% | 14.95% |
| FCF Yield | -65.33% | -45.47% | -20.93% | -79.70% | -59.86% |
| Dividend Yield | 4.80% | 4.48% | 6.60% | 7.17% | 5.99% |
| Payout Ratio | 37.89% | 44.71% | 47.11% | 20.55% | 31.08% |
| Buyback Yield / Dilution | -0.01% | -0.03% | 0.02% | -0.06% | 0.01% |
| Totalreturn | 4.73% | 4.52% | 6.61% | 7.11% | 6.01% |
Balance Sheet
Annual Data| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Fiscal Year | 2,025 | 2,024 | 2,023 | 2,022 | 2,021 |
| Fiscal Quarter | Q3 | Q4 | Q4 | Q4 | Q4 |
| Cash & Equivalents | 11,851,387,000 | 17,273,291,000 | 16,145,669,000 | 7,962,194,000 | 12,442,726,000 |
| Other Receivables | 597,906,000 | 683,489,000 | 443,194,000 | 451,734,000 | 519,565,000 |
| Restricted Cash | 19,007,337,000 | 16,501,355,000 | 19,984,835,000 | 10,137,298,000 | 14,631,699,000 |
| Property, Plant & Equipment | 2,164,989,000 | 1,969,297,000 | 1,706,183,000 | 1,642,596,000 | 1,555,304,000 |
| Goodwill | 156,970,000 | 156,915,000 | 154,363,000 | 154,363,000 | 22,424,000 |
| Assets | 213,192,285,000 | 207,035,478,000 | 169,169,225,000 | 140,510,795,000 | 132,501,190,000 |
| Current Portion of Leases | - | 171,407,000 | 141,535,000 | 130,845,000 | 132,537,000 |
| Current Income Taxes Payable | 198,321,000 | 215,042,000 | 103,884,000 | - | 68,357,000 |
| Long-Term Leases | 561,234,000 | 446,091,000 | 391,816,000 | 362,111,000 | 366,060,000 |
| Common Stock | 10,989,724,000 | 9,168,799,000 | 7,986,582,000 | 7,076,582,000 | 6,311,470,000 |
| Additional Paid-In Capital | 28,110,000 | 32,033,000 | 31,235,000 | 31,235,000 | 31,235,000 |
| Retained Earnings | 8,805,256,000 | 8,985,148,000 | 6,592,318,000 | 5,447,435,000 | 4,601,768,000 |
| Total Common Equity | 18,686,179,000 | 16,617,540,000 | 13,223,992,000 | 8,918,866,000 | 10,092,282,000 |
| Shareholders' Equity | 19,509,838,000 | 17,436,573,000 | 13,896,508,000 | 9,471,533,000 | 10,564,134,000 |
| Liabilitiesequity | 213,192,285,000 | 207,035,478,000 | 169,169,225,000 | 140,510,795,000 | 132,501,190,000 |
| Filing Date Shares Outstanding | 1,088,893,557 | 1,090,021,467 | 1,090,148,189 | 1,088,854,033 | 1,087,697,901 |
| Total Common Shares Outstanding | 1,088,893,557 | 1,090,021,467 | 1,090,148,189 | 1,088,854,033 | 1,087,697,901 |
| Book Value Per Share | 17.16 | 15.25 | 12.13 | 8.19 | 9.28 |
| Tangible Book Value | 17,436,070,000 | 15,487,403,000 | 12,375,958,000 | 8,258,265,000 | 9,663,614,000 |
| Tangible Book Value Per Share | 16.01 | 14.21 | 11.35 | 7.58 | 8.88 |
| Total Debt | 19,303,338,000 | 15,621,071,000 | 12,593,945,000 | 7,123,839,000 | 10,229,760,000 |
| Netcash | -2,498,241,000 | 6,159,598,000 | 6,223,122,000 | 3,618,259,000 | 4,484,393,000 |
| Net Cash Growth | - | -1.02% | 71.99% | -19.31% | -34.01% |
| Netcashpershare | -2.29 | 5.65 | 5.72 | 3.32 | 4.12 |
| Treasury Stock | -26,511,000 | -39,528,000 | -28,269,000 | -64,750,000 | -15,287,000 |
| Investment Securities | 69,243,066,000 | 68,390,886,000 | 50,483,229,000 | 48,674,383,000 | 45,448,299,000 |
| Trading Asset Securities | 2,121,865,000 | 2,031,861,000 | 1,703,171,000 | 539,813,000 | 419,377,000 |
| Total Investment | 71,364,931,000 | 70,422,747,000 | 52,186,400,000 | 49,214,196,000 | 45,867,676,000 |
| Gross Loans | 112,301,476,000 | 103,366,737,000 | 81,353,346,000 | 73,198,318,000 | 60,448,313,000 |
| Allowance for Loan Losses | -6,609,793,000 | -5,605,968,000 | -4,849,625,000 | -4,515,994,000 | -3,935,719,000 |
| Other Adjustments to Gross Loans | -698,749,000 | -725,966,000 | -494,074,000 | -270,050,000 | -121,128,000 |
| Net Loans | 104,992,934,000 | 97,034,803,000 | 76,009,647,000 | 68,412,274,000 | 56,391,466,000 |
| Investments in Real Estate | - | 272,710,000 | 86,780,000 | 19,807,000 | 932,000 |
| Long-Term Deferred Tax Assets | 301,040,000 | 462,239,000 | 354,481,000 | 791,605,000 | 257,885,000 |
| Other Current Assets | 1,482,706,000 | 1,117,065,000 | 1,253,067,000 | 1,160,349,000 | 365,371,000 |
| Accrued Expenses | 286,300,000 | 241,501,000 | 122,431,000 | 91,111,000 | 61,295,000 |
| Interest Bearing Deposits | 88,046,305,000 | 86,025,146,000 | 67,637,359,000 | 53,150,976,000 | 40,311,273,000 |
| Non-Interest Bearing Deposits | 80,843,350,000 | 82,795,275,000 | 71,450,208,000 | 68,258,835,000 | 68,734,615,000 |
| Total Deposits | 168,889,655,000 | 168,820,421,000 | 139,087,567,000 | 121,409,811,000 | 109,045,888,000 |
| Short-Term Borrowings | 2,662,377,000 | 436,548,000 | 452,060,000 | 1,860,269,000 | 6,539,745,000 |
| Other Current Liabilities | 42,798,000 | 35,090,000 | 30,950,000 | 26,639,000 | 26,567,000 |
| Long-Term Debt | 16,079,727,000 | 14,567,025,000 | 11,608,534,000 | 4,770,614,000 | 3,191,418,000 |
| Pension & Post-Retirement Benefits | 94,783,000 | 232,768,000 | 92,956,000 | 58,670,000 | 54,244,000 |
| Long-Term Deferred Tax Liabilities | - | - | - | - | - |
| Other Long-Term Liabilities | 4,867,252,000 | 4,433,012,000 | 3,240,984,000 | 2,329,192,000 | 2,450,945,000 |
| Total Liabilities | 193,682,447,000 | 189,598,905,000 | 155,272,717,000 | 131,039,262,000 | 121,937,056,000 |
| Comprehensive Income & Other | -1,110,400,000 | -1,528,912,000 | -1,357,874,000 | -3,571,636,000 | -836,904,000 |
| Minority Interest | 823,659,000 | 819,033,000 | 672,516,000 | 552,667,000 | 471,852,000 |
| Other Intangible Assets | 1,093,139,000 | 973,222,000 | 693,671,000 | 506,238,000 | 406,244,000 |
| Other Long-Term Assets | 178,946,000 | 168,345,000 | 150,935,000 | 58,141,000 | 39,898,000 |
Cash Flow Statement
Annual Data| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Fiscal Year | 2,025 | 2,024 | 2,023 | 2,022 | 2,021 |
| Fiscal Quarter | Q3 | Q4 | Q4 | Q4 | Q4 |
| Net Income | 3,990,721,000 | 4,554,834,000 | 2,889,718,000 | 2,404,376,000 | 1,983,335,000 |
| Ncfo | -6,205,180,000 | -19,807,174,000 | -11,368,846,000 | -15,385,180,000 | -5,453,447,000 |
| Capital Expenditures | -257,904,000 | -213,419,000 | -201,047,000 | -209,080,000 | -202,665,000 |
| Cash Acquisitions | 2,916,998,000 | 2,916,998,000 | - | -267,347,000 | 328,893,000 |
| Ncfi | 1,719,900,000 | 839,148,000 | 6,603,450,000 | -4,885,971,000 | -10,917,543,000 |
| Long-Term Debt Issued | - | 4,055,962,000 | 7,652,789,000 | 1,739,558,000 | 81,502,000 |
| Long-Term Debt Repaid | - | -4,647,182,000 | -1,240,555,000 | -1,046,390,000 | -506,652,000 |
| Common Dividends Paid | -1,468,397,000 | -936,184,000 | -898,221,000 | -801,623,000 | -496,614,000 |
| Financing Cash Flow | 6,129,969,000 | 13,394,298,000 | 22,428,471,000 | 11,702,595,000 | 16,749,220,000 |
| Net Cash Flow | 1,644,689,000 | -5,573,728,000 | 17,663,075,000 | -8,568,556,000 | 378,230,000 |
| Free Cash Flow | -6,463,084,000 | -20,020,593,000 | -11,569,893,000 | -15,594,260,000 | -5,656,112,000 |
| Fcf Margin | -62.61% | -210.86% | -156.39% | -265.19% | -121.95% |
| Fcfps | -5.94 | -18.38 | -10.63 | -14.32 | -5.19 |
| Cash Interest Paid | 4,638,382,000 | 4,202,854,000 | 2,937,238,000 | 1,314,930,000 | 515,762,000 |
| Cash Taxes Paid | 848,841,000 | 645,110,000 | 586,381,000 | 332,891,000 | 213,079,000 |
| Depreciation & Amortization | 380,459,000 | 337,992,000 | 312,000,000 | 285,354,000 | 251,818,000 |
| Other Amortization | 178,708,000 | 178,708,000 | 138,548,000 | 107,642,000 | 106,013,000 |
| Total Asset Writedown | 1,545,000 | 1,691,000 | -5,017,000 | 713,779,000 | 554,764,000 |
| Provision for Credit Losses | 1,153,810,000 | 772,262,000 | 549,789,000 | - | - |
| Change in Trading Asset Securities | -25,291,000 | -106,326,000 | 107,263,000 | -160,009,000 | -22,206,000 |
| Change in Other Net Operating Assets | -9,735,185,000 | -24,032,914,000 | -14,926,059,000 | -18,644,949,000 | -7,130,884,000 |
| Other Operating Activities | -2,005,252,000 | -1,488,411,000 | -376,790,000 | -108,625,000 | -1,157,878,000 |
| Gain (Loss) on Sale of Investments | -144,695,000 | -25,010,000 | -58,298,000 | 17,252,000 | -38,409,000 |
| Sale of Property, Plant and Equipment | 20,564,000 | 3,649,000 | 3,041,000 | 4,531,000 | 2,709,000 |
| Purchase / Sale of Intangibles | -433,071,000 | -370,479,000 | -297,107,000 | -178,077,000 | -158,719,000 |
| Investment in Securities | -2,457,395,000 | -3,074,015,000 | 5,334,931,000 | -5,431,484,000 | -12,082,149,000 |
| Net Increase (Decrease) in Deposit Accounts | 8,259,067,000 | 15,848,405,000 | 17,245,415,000 | 12,084,146,000 | 17,822,633,000 |
| Other Financing Activities | -973,686,000 | -796,256,000 | -298,628,000 | -122,799,000 | -89,991,000 |
| Foreign Exchange Rate Adjustments | - | - | - | - | - |
| Net Debt Issued (Repaid) | 494,858,000 | -591,220,000 | 6,412,234,000 | 693,168,000 | -425,150,000 |
| Repurchase of Common Stock | -181,873,000 | -130,447,000 | -32,329,000 | -150,297,000 | -61,658,000 |
| Other Investing Activities | 1,930,708,000 | 1,576,414,000 | 1,763,632,000 | 1,195,486,000 | 1,194,388,000 |
Income Statement
Annual Data| Metric | TTM | TTM | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Fiscal Year | 2,025 | 2,025 | 2,024 | 2,023 | 2,022 |
| Fiscal Quarter | Q3 | Q2 | Q4 | Q4 | Q4 |
| Revenue | 10,322,623,000 | 9,933,911,000 | 9,494,945,000 | 7,397,893,000 | 5,880,478,000 |
| Revenue Growth (YoY) | 14.61% | 19.83% | 28.35% | 25.80% | 26.78% |
| Income Tax Expense | 796,878,000 | 712,776,000 | 711,845,000 | 721,733,000 | 312,636,000 |
| Minority Interest in Earnings | -99,585,000 | -96,118,000 | -175,690,000 | -94,512,000 | -84,041,000 |
| Net Income | 3,990,721,000 | 4,458,728,000 | 4,554,834,000 | 2,889,718,000 | 2,404,376,000 |
| Net Income to Common | 3,990,721,000 | 4,458,728,000 | 4,554,834,000 | 2,889,718,000 | 2,404,376,000 |
| Net Income Growth | -9.92% | 30.86% | 57.62% | 20.19% | 21.23% |
| Shares Basic | 1,089,021,646 | 1,089,018,763 | 1,089,265,362 | 1,088,789,261 | 1,088,940,241 |
| Diluted Shares Outstanding | 1,089,021,646 | 1,089,018,763 | 1,089,265,362 | 1,088,789,261 | 1,088,940,241 |
| Shares Yo Y | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Eps Basic | 3.66 | 4.09 | 4.18 | 2.65 | 2.21 |
| EPS (Diluted) | 3.66 | 4.09 | 4.18 | 2.65 | 2.21 |
| EPS Growth | -9.88% | 30.91% | 57.56% | 20.20% | 21.26% |
| Fcf | -6,463,084,000 | -11,670,781,000 | -20,020,593,000 | -11,569,893,000 | -15,594,260,000 |
| Fcfps | -5.94 | -10.72 | -18.38 | -10.63 | -14.32 |
| Dps | 1.46 | 1.46 | 1.46 | 0.92 | 0.73 |
| Dividend Growth | 58.94% | 58.94% | 58.94% | 25.05% | -0.08% |
| Profit Margin | 38.66% | 44.88% | 47.97% | 39.06% | 40.89% |
| Fcf Margin | -62.61% | -117.48% | -210.86% | -156.39% | -265.19% |
| Taxrate | 0.16 | 0.14 | 0.13 | 0.19 | 0.11 |
| Interest Income on Loans | 11,885,103,000 | 11,627,582,000 | 10,692,264,000 | 8,432,799,000 | 5,769,630,000 |
| Interest Income on Investments | 590,698,000 | 606,413,000 | 551,024,000 | 408,201,000 | 262,146,000 |
| Interest Income Total Bank | 12,475,801,000 | 12,233,995,000 | 11,243,288,000 | 8,841,000,000 | 6,031,776,000 |
| Interest Paid on Deposits | 4,607,524,000 | 4,522,255,000 | 4,323,349,000 | 3,579,328,000 | 1,602,950,000 |
| Total Interest Expense | 4,622,540,000 | 4,536,546,000 | 4,335,526,000 | 3,584,320,000 | 1,605,117,000 |
| Interest Paid on Borrowings | 15,016,000 | 14,291,000 | 12,177,000 | 4,992,000 | 2,167,000 |
| Net Interest Income Bank | 7,853,261,000 | 7,697,449,000 | 6,907,762,000 | 5,256,680,000 | 4,426,659,000 |
| Net Interest Income Growth Bank | 21.29% | 31.52% | 31.41% | 18.75% | 40.88% |
| Income From Trading Activities | 1,172,208,000 | 989,431,000 | 938,291,000 | 657,016,000 | 686,070,000 |
| Gain (Loss) on Sale of Investments | 254,961,000 | 270,366,000 | 325,937,000 | 311,113,000 | -131,046,000 |
| Other Non-Interest Income | 2,132,481,000 | 2,094,191,000 | 1,980,052,000 | 1,593,800,000 | 1,451,957,000 |
| Total Non-Interest Income | 3,529,595,000 | 3,324,447,000 | 3,244,280,000 | 2,561,929,000 | 2,006,981,000 |
| Non-Interest Income Growth (YoY) | 20.06% | 16.26% | 26.63% | 27.65% | 6.65% |
| Revenues Before Loan Losses | 11,382,856,000 | 11,021,896,000 | 10,152,042,000 | 7,818,609,000 | 6,433,640,000 |
| Provision for Loan Losses | 1,060,233,000 | 1,087,985,000 | 657,097,000 | 420,716,000 | 553,162,000 |
| Revenue Bank | 10,322,623,000 | 9,933,911,000 | 9,494,945,000 | 7,397,893,000 | 5,880,478,000 |
| Salaries and Employee Benefits | 2,629,447,000 | 2,637,394,000 | 2,478,442,000 | 1,902,933,000 | 1,563,690,000 |
| Federal Deposit Insurance | 114,156,000 | 113,924,000 | 90,643,000 | 93,647,000 | 153,684,000 |
| Selling, General & Administrative | 695,797,000 | 682,962,000 | 573,396,000 | 393,106,000 | 366,791,000 |
| Other Non-Interest Expense | 1,536,563,000 | 1,462,713,000 | 1,309,961,000 | 752,020,000 | 626,085,000 |
| Total Non-Interest Expense | 5,535,130,000 | 5,452,436,000 | 4,969,142,000 | 3,592,254,000 | 3,103,246,000 |
| EBT Excluding Unusual Items | 4,787,493,000 | 4,481,475,000 | 4,525,803,000 | 3,805,639,000 | 2,777,232,000 |
| Asset Writedown | -1,451,000 | -1,175,000 | -1,598,000 | -2,287,000 | -16,360,000 |
| Legal Settlements | 92,900,000 | 104,809,000 | 102,499,000 | -97,389,000 | 40,181,000 |
| Other Unusual Items | 8,242,000 | 682,513,000 | 815,665,000 | - | - |
| Ebt Bank | 4,887,184,000 | 5,267,622,000 | 5,442,369,000 | 3,705,963,000 | 2,801,053,000 |
| Earnings From Continuing Operations | 4,090,306,000 | 4,554,846,000 | 4,730,524,000 | 2,984,230,000 | 2,488,417,000 |
| Occupancy Expenses | 559,167,000 | 555,443,000 | 516,700,000 | 450,548,000 | 392,996,000 |
| Payoutratio | 36.80% | 32.44% | 20.55% | 31.08% | 33.34% |
Ratios and Metrics
Annual Data| Metric | TTM | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Fiscal Year | 2,025 | 2,024 | 2,023 | 2,022 | 2,021 |
| Fiscal Quarter | Q3 | Q4 | Q4 | Q4 | Q4 |
| Marketcap | 32,557,021,459 | 25,120,955,177 | 19,328,911,400 | 14,062,692,269 | 16,240,548,584 |
| Market Cap Growth | 20.04% | 29.97% | 37.45% | -13.41% | 26.88% |
| Last Close Ratios | 2,986.00% | 2,102.39% | 1,583.13% | 1,093.75% | 1,199.64% |
| Pe | 8.15 | 5.52 | 6.69 | 5.85 | 8.19 |
| Pe Forward | 8.63 | 6.66 | 7.71 | 6.31 | 8.64 |
| PS Ratio | 3.15 | 2.65 | 2.61 | 2.39 | 3.50 |
| PB Ratio | 1.67 | 1.44 | 1.39 | 1.49 | 1.54 |
| Ptbv Ratio | 1.87 | 1.62 | 1.56 | 1.70 | 1.68 |
| P/FCF Ratio | - | - | - | - | - |
| P/OCF Ratio | - | - | - | - | - |
| Debt / Equity Ratio | 0.99 | 0.90 | 0.91 | 0.75 | 0.97 |
| Debt / FCF Ratio | - | - | - | - | - |
| Roe | 22.33% | 30.20% | 25.54% | 24.84% | 19.30% |
| Return on Assets (ROA) | 1.98% | 2.51% | 1.93% | 1.82% | 1.69% |
| Earnings Yield | 12.26% | 18.13% | 14.95% | 17.10% | 12.21% |
| FCF Yield | -19.85% | -79.70% | -59.86% | -110.89% | -34.83% |
| Dividend Yield | 4.88% | 6.93% | 5.79% | 6.71% | 6.12% |
| Payout Ratio | 36.80% | 20.55% | 31.08% | 33.34% | 25.04% |
| Buyback Yield / Dilution | 0.04% | -0.04% | 0.01% | 0.02% | 0.02% |
| Totalreturn | 4.92% | 6.89% | 5.81% | 6.73% | 6.14% |
Price History
Aug 06, 2019 — Sep 30, 2026
1825 Records
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-09-30 | 34.50 | 34.80 | 34.32 | 34.78 | 404,893 |
| 2026-09-29 | 33.50 | 33.60 | 32.92 | 33.40 | 746,904 |
| 2026-09-28 | 34.44 | 34.68 | 33.50 | 33.50 | 468,584 |
| 2026-09-27 | 34.22 | 34.98 | 34.18 | 34.44 | 307,412 |
| 2026-09-24 | 34.60 | 34.60 | 33.80 | 34.22 | 744,759 |
| 2026-09-23 | 35.00 | 35.10 | 34.52 | 34.60 | 257,099 |
| 2026-09-22 | 35.20 | 35.20 | 34.86 | 35.02 | 961,987 |
| 2026-09-21 | 35.40 | 35.50 | 34.90 | 35.20 | 587,193 |
| 2026-09-20 | 34.22 | 35.80 | 34.22 | 35.50 | 1,884,988 |
| 2026-09-17 | 33.34 | 34.78 | 33.06 | 34.00 | 1,084,380 |
| 2026-09-16 | 34.00 | 34.10 | 33.20 | 33.40 | 853,078 |
| 2026-09-15 | 34.40 | 34.68 | 33.10 | 34.00 | 676,653 |
| 2026-09-14 | 34.52 | 34.86 | 34.28 | 34.54 | 346,819 |
| 2026-09-13 | 34.48 | 34.90 | 32.80 | 34.32 | 992,788 |
| 2026-09-10 | 35.48 | 35.48 | 34.50 | 34.50 | 542,858 |
| 2026-09-09 | 35.92 | 36.00 | 34.90 | 35.20 | 338,415 |
| 2026-09-08 | 35.90 | 36.38 | 35.86 | 36.22 | 253,162 |
| 2026-09-07 | 36.08 | 36.30 | 35.62 | 36.30 | 236,115 |
| 2026-09-06 | 36.52 | 36.82 | 35.80 | 35.98 | 327,026 |
| 2026-09-03 | 35.90 | 36.50 | 35.90 | 36.50 | 429,086 |
| 2026-09-02 | 35.72 | 36.40 | 35.66 | 35.88 | 526,070 |
| 2026-09-01 | 34.58 | 35.74 | 34.00 | 35.70 | 528,973 |
| 2026-08-30 | 36.60 | 36.88 | 36.22 | 36.42 | 506,690 |
| 2026-08-27 | 36.94 | 37.00 | 36.66 | 36.90 | 344,925 |
| 2026-08-25 | 37.26 | 37.26 | 36.82 | 37.00 | 543,348 |
| 2026-08-24 | 37.70 | 37.86 | 37.26 | 37.30 | 416,989 |
| 2026-08-23 | 37.54 | 37.62 | 37.30 | 37.32 | 273,047 |
| 2026-08-20 | 37.40 | 37.62 | 37.36 | 37.42 | 471,911 |
| 2026-08-19 | 37.38 | 37.44 | 37.24 | 37.40 | 362,784 |
| 2026-08-18 | 37.24 | 37.44 | 37.10 | 37.40 | 689,676 |
| 2026-08-17 | 37.30 | 37.46 | 37.26 | 37.26 | 252,545 |
| 2026-08-16 | 37.36 | 37.46 | 37.30 | 37.30 | 252,026 |
| 2026-08-13 | 37.30 | 37.50 | 37.26 | 37.40 | 357,030 |
| 2026-08-12 | 37.30 | 37.38 | 37.08 | 37.30 | 386,694 |
| 2026-08-11 | 37.52 | 37.60 | 37.08 | 37.08 | 646,441 |
| 2026-08-10 | 37.30 | 37.64 | 37.30 | 37.52 | 401,081 |
| 2026-08-09 | 37.14 | 37.46 | 37.10 | 37.46 | 292,391 |
| 2026-08-07 | 37.14 | 37.46 | 37.10 | 37.46 | 292,391 |
| 2026-08-06 | 37.50 | 37.50 | 36.80 | 37.36 | 539,736 |
| 2026-08-05 | 37.86 | 37.92 | 37.32 | 37.50 | 665,909 |
| 2026-08-04 | 37.54 | 37.92 | 37.54 | 37.86 | 701,693 |
| 2026-08-03 | 37.00 | 37.78 | 36.98 | 37.78 | 576,603 |
| 2026-08-02 | 37.10 | 37.10 | 36.88 | 36.90 | 413,488 |
| 2026-07-31 | 37.10 | 37.10 | 36.88 | 36.90 | 413,488 |
| 2026-07-30 | 37.22 | 37.26 | 36.80 | 37.00 | 425,297 |
| 2026-07-29 | 37.56 | 37.62 | 37.10 | 37.22 | 927,993 |
| 2026-07-28 | 37.04 | 37.56 | 37.04 | 37.56 | 361,718 |
| 2026-07-27 | 37.12 | 37.20 | 37.02 | 37.02 | 471,301 |
| 2026-07-26 | 37.66 | 37.66 | 37.02 | 37.10 | 414,278 |
| 2026-07-24 | 37.66 | 37.66 | 37.02 | 37.10 | 414,278 |