Stock KBZ AGRAM BANKA D.D.
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Financials Agram banka d.d.

Equities

KBZ

HRKBZ0RA0005

Banks

End-of-day quote Zagreb S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
35.6 EUR +1.71% Intraday chart for Agram banka d.d. 0.00% +20.27%
Feb. 28 Agram banka d.d. Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 CI
Feb. 28 Agram banka d.d. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 16.65 26.14 31.26 31.9 56.69 50.13
Enterprise Value (EV) 2 434.4 238.3 474.9 222.9 -270.4 -317.4
P/E ratio 0.8 x 0.99 x 0.83 x 1.13 x 1.38 x 1.1 x
Yield - - - - 36.2% 45.2%
Capitalization / Revenue 0.17 x 0.24 x 0.25 x 0.27 x 0.44 x 0.36 x
EV / Revenue 4.32 x 2.17 x 3.81 x 1.89 x -2.08 x -2.27 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.05 x 0.07 x 0.08 x 0.07 x 0.12 x 0.12 x
Nbr of stocks (in thousands) 1,938 1,938 1,938 1,938 1,938 1,938
Reference price 3 8.590 13.49 16.13 16.46 29.26 25.87
Announcement Date 4/30/18 4/30/19 4/30/20 4/9/21 4/28/22 4/27/23
1EUR in Million2HRK in Million3EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 100.6 109.9 124.8 117.6 130.1 139.8
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 25.51 32.54 45.89 34.16 50.24 55.82
Net income 1 20.76 26.47 37.48 28.26 41.15 45.41
Net margin 20.63% 24.08% 30.04% 24.03% 31.63% 32.48%
EPS 2 10.72 13.66 19.34 14.58 21.23 23.43
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - 10.60 11.68
Announcement Date 4/30/18 4/30/19 4/30/20 4/9/21 4/28/22 4/27/23
1HRK in Million2HRK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 418 212 444 191 - -
Net Cash position 1 - - - - 327 368
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 6.45% 7.68% 9.83% 6.75% 9.24% 10.4%
ROA (Net income/ Total Assets) 0.6% 0.78% 1.05% 0.75% 1.02% 1.05%
Assets 1 3,467 3,415 3,586 3,763 4,048 4,306
Book Value Per Share 2 174.0 182.0 211.0 221.0 238.0 212.0
Cash Flow per Share 2 131.0 216.0 156.0 272.0 479.0 487.0
Capex 1 3.46 0.95 21.6 2.56 7.54 22.5
Capex / Sales 3.44% 0.86% 17.29% 2.18% 5.8% 16.11%
Announcement Date 4/30/18 4/30/19 4/30/20 4/9/21 4/28/22 4/27/23
1HRK in Million2HRK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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1st Jan change Capi.
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