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. Technicals confirm a positive long-term trend, supported by moving averages. Growth forecasts are robust, which could drive future appreciation."
Sentiment: Neutral
Action: Buy
"Company demonstrates strong financial health with positive growth and stability indicators."
Technical Analysis
Trend
Bullish (Long Term)
Last Cross
Golden Cross
(1 year ago)
RSI (14)
63.4
SMA 50
30.90
SMA 200
28.03
Price Valuation
Current Price
33.02
Fair Value (PE 15)
62.72
Undervalued 90%
Graham Number
37.87
Upside 15%
Forecast
Rev Forecast (Next Yr)
10,511M
Growth Forecast
10.7%
📊 Market & Peer Context
Benchmark: BETVolatility (Beta)
0.05
Less Volatile than Market
Correlation
0.04
Moves with Market
Relative Strength (1Y)
-19.43%
vs Benchmark
Index Returns (1Y)
79.5%
BET
Historical Performance
| Metric | 5Y | 3Y | 1Y | YTD | 6M | 3M | 1M | 1W |
|---|---|---|---|---|---|---|---|---|
| TLV | 124.1% | 115.9% | 20.2% | 9.3% | 0.0% | 0.0% | 0.0% | 0.0% |
| BET | - | 175.8% | 79.5% | 47.9% | 32.1% | 26.7% | 6.0% | 0.2% |
| Alpha (Diff) | - | -59.9% | -59.4% | -38.6% | -32.1% | -26.7% | -6.0% | -0.2% |
Financial Reports
Price Chart
Sector: Financials
Based on Market CapETAPA 1 • MUST HAVE
6/8
Healthy Leverage (Debt/Equity)
0.90
Target: < 1.5
Gross Margin vs Industry
72.8% vs 0.0%
Target: > 0.0%
Operating Cash Flow vs Profit
0%
Target: > 1.0
Free Cash Flow vs Profit
-440%
Target: > 0.8
ROIC (Return on Capital)
13.78%
Target: Positive
ROIC vs WACC
ROIC: 13.8% / WACC: 13.7%
Target: > WACC
ROE (Return on Equity)
30.2%
Target: > 10%
EBITDA Positive
5,442.37M
Target: > 0
ETAPA 2 • CRITERII
5/9Interest Coverage
Target: > 3x • 0.0x
Net Margin vs Industry
Target: > 0.0% • 48.0%
ROA vs Industry
Target: > 1.9% • 2.5%
Current Ratio
Target: > 1.5 • N/A
Assets Growth (5y)
Target: > 0% • 17.8% CAGR
FCF CAGR (5y)
Target: > 5% • 0.0%
EV/EBITDA vs Industry
Target: < Industry • 0.0 vs 0.0
Net Debt / EBITDA
Target: < 3 • 2.87
Revenue CAGR (5y)
Target: > 5% • 26.2%
SNAPSHOT COMPANIE
Capitalizare
35.97B RON
EBITDA
5,442.37M
P/E Ratio
7.90
PEG Ratio
0.30
Dividend Yield
6.93%
Beta
0.05
Valoare Intrinsecă (Graham)
37.87 RON
Discount
+14.7%
financial report
Annual Data| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Fiscal Year | 2,026 | 2,025 | 2,024 | 2,023 | 2,022 |
| Fiscal Quarter | Q1 | Q4 | Q4 | Q4 | Q4 |
| Marketcap | 45,612,138,943 | 32,927,731,014 | 25,120,955,177 | 19,328,911,400 | 14,062,692,269 |
| Market Cap Growth | 56.13% | 31.08% | 29.97% | 37.45% | -13.41% |
| Last Close Ratios | 4,196.00% | 2,920.52% | 2,033.14% | 1,530.98% | 1,057.72% |
| Pe | 9.69 | 7.35 | 5.52 | 6.69 | 5.85 |
| Pe Forward | 10.66 | 8.50 | 6.66 | 7.71 | 6.31 |
| PS Ratio | 4.03 | 3.01 | 2.65 | 2.61 | 2.39 |
| PB Ratio | 1.90 | 1.41 | 1.44 | 1.39 | 1.49 |
| Ptbv Ratio | 2.10 | 1.57 | 1.62 | 1.56 | 1.70 |
| Debt / Equity Ratio | 0.85 | 0.89 | 0.90 | 0.91 | 0.75 |
| Net Debt / Equity Ratio | 0.20 | -0.17 | -0.29 | -0.45 | -0.50 |
| Net Debt / FCF Ratio | -0.23 | 0.56 | 0.25 | 0.54 | 0.30 |
| Roe | 23.17% | 22.88% | 30.20% | 25.54% | 24.84% |
| Return on Assets (ROA) | 2.27% | 2.16% | 2.51% | 1.93% | 1.82% |
| Earnings Yield | 10.35% | 13.60% | 18.13% | 14.95% | 17.10% |
| FCF Yield | -46.57% | -20.93% | -79.70% | -59.86% | -110.89% |
| Dividend Yield | 4.59% | 6.60% | 7.17% | 5.99% | 6.93% |
| Payout Ratio | 44.71% | 47.11% | 20.55% | 31.08% | 33.34% |
| Buyback Yield / Dilution | 3.45% | 0.02% | -0.06% | 0.01% | 0.02% |
| Totalreturn | 8.04% | 6.61% | 7.11% | 6.00% | 6.96% |
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
Oct 15, 2018 — Jan 26, 2026
1825 Records
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-01-26 | 32.68 | 33.58 | 32.68 | 33.02 | 1,219,756 |
| 2026-01-25 | 32.62 | 32.74 | 32.46 | 32.72 | 456,284 |
| 2026-01-24 | 32.70 | 32.74 | 32.54 | 32.60 | 754,987 |
| 2026-01-22 | 32.70 | 32.74 | 32.54 | 32.60 | 754,987 |
| 2026-01-21 | 32.72 | 33.10 | 32.50 | 32.56 | 490,349 |
| 2026-01-20 | 32.36 | 32.52 | 31.90 | 32.52 | 795,793 |
| 2026-01-19 | 32.70 | 32.76 | 32.38 | 32.38 | 555,093 |
| 2026-01-18 | 33.50 | 33.56 | 32.70 | 32.70 | 625,793 |
| 2026-01-15 | 33.50 | 34.04 | 33.36 | 33.50 | 796,906 |
| 2026-01-14 | 32.62 | 33.76 | 32.60 | 33.60 | 956,882 |
| 2026-01-13 | 32.30 | 32.62 | 32.26 | 32.60 | 419,328 |
| 2026-01-12 | 32.06 | 32.80 | 32.04 | 32.64 | 600,830 |
| 2026-01-11 | 32.06 | 32.80 | 32.04 | 32.64 | 922,429 |
| 2026-01-09 | 31.42 | 32.10 | 31.42 | 32.10 | 998,836 |
| 2026-01-08 | 31.42 | 32.10 | 31.42 | 32.10 | 998,836 |
| 2026-01-07 | 30.30 | 31.48 | 30.30 | 31.48 | 1,269,368 |
| 2026-01-06 | 30.20 | 30.68 | 30.18 | 30.58 | 420,950 |
| 2026-01-05 | 30.20 | 30.68 | 30.18 | 30.58 | 420,950 |
| 2026-01-04 | 30.20 | 30.68 | 30.18 | 30.58 | 420,950 |
| 2026-01-01 | 30.20 | 30.30 | 30.10 | 30.20 | 653,879 |
| 2025-12-31 | 30.20 | 30.30 | 30.10 | 30.20 | 653,879 |
| 2025-12-30 | 30.20 | 30.30 | 30.10 | 30.20 | 653,879 |
| 2025-12-29 | 30.20 | 30.30 | 30.10 | 30.20 | 653,879 |
| 2025-12-28 | 30.34 | 30.36 | 30.10 | 30.22 | 515,571 |
| 2025-12-25 | 30.34 | 30.40 | 30.18 | 30.34 | 412,625 |
| 2025-12-24 | 30.34 | 30.40 | 30.18 | 30.34 | 412,625 |
| 2025-12-23 | 30.34 | 30.40 | 30.18 | 30.34 | 412,625 |
| 2025-12-22 | 30.34 | 30.40 | 30.18 | 30.34 | 412,625 |
| 2025-12-21 | 30.20 | 30.36 | 30.10 | 30.32 | 393,535 |
| 2025-12-19 | 30.12 | 30.36 | 30.06 | 30.14 | 618,946 |
| 2025-12-18 | 30.12 | 30.36 | 30.06 | 30.14 | 618,946 |
| 2025-12-17 | 30.10 | 30.20 | 30.00 | 30.14 | 274,793 |
| 2025-12-16 | 30.40 | 30.40 | 30.00 | 30.00 | 401,370 |
| 2025-12-15 | 30.34 | 30.46 | 30.26 | 30.40 | 816,358 |
| 2025-12-14 | 30.30 | 30.42 | 30.22 | 30.40 | 1,125,625 |
| 2025-12-12 | 30.36 | 30.36 | 30.18 | 30.30 | 559,483 |
| 2025-12-11 | 30.36 | 30.36 | 30.18 | 30.30 | 559,483 |
| 2025-12-10 | 30.36 | 30.36 | 30.10 | 30.36 | 591,108 |
| 2025-12-09 | 30.26 | 30.36 | 30.10 | 30.36 | 482,448 |
| 2025-12-08 | 30.10 | 30.26 | 30.02 | 30.26 | 229,291 |
| 2025-12-07 | 29.82 | 30.28 | 29.82 | 30.10 | 341,066 |
| 2025-12-05 | 30.00 | 30.00 | 29.68 | 29.86 | 288,293 |
| 2025-12-04 | 30.00 | 30.00 | 29.68 | 29.86 | 288,293 |
| 2025-12-03 | 29.60 | 30.00 | 29.58 | 29.96 | 485,758 |
| 2025-12-02 | 29.34 | 29.76 | 29.32 | 29.60 | 364,115 |
| 2025-12-01 | 29.32 | 29.38 | 29.18 | 29.34 | 202,781 |
| 2025-11-30 | 29.44 | 29.50 | 29.34 | 29.34 | 161,276 |
| 2025-11-28 | 29.44 | 29.50 | 29.34 | 29.34 | 161,276 |
| 2025-11-27 | 29.44 | 29.50 | 29.34 | 29.34 | 161,276 |
| 2025-11-26 | 29.26 | 29.50 | 29.20 | 29.50 | 221,519 |