Financials Podravska banka d.d.

Equities

PDBA

HRPDBARA0008

Banks

End-of-day quote Zagreb S.E. 06:00:00 2024-04-29 pm EDT 5-day change 1st Jan Change
61 EUR -.--% Intraday chart for Podravska banka d.d. +11.93% +96.77%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 18.11 17.96 15.85 20.36 17.83 20.63
Enterprise Value (EV) 2 -84.89 -170.5 -338.5 -383.9 -581.1 -111.6
P/E ratio 1.52 x 0.84 x 1.35 x 1.34 x 1.47 x 5.12 x
Yield - - - - - -
Capitalization / Revenue 0.17 x 0.15 x 0.14 x 0.18 x 0.15 x 1.07 x
EV / Revenue -0.79 x -1.39 x -3.05 x -3.39 x -4.91 x -5.77 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.04 x 0.04 x 0.03 x 0.04 x 0.04 x 0.29 x
Nbr of stocks (in thousands) 660 667 660 665 665 665
Reference price 3 27.45 26.91 24.02 30.59 26.79 31.00
Announcement Date 4/30/19 4/29/20 3/31/21 3/30/22 3/31/23 3/26/24
1EUR in Million2HRK in Million3EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 106.9 122.7 111 113.1 118.3 19.36
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 15.3 27.41 15.04 19.52 16.07 5.131
Net income 1 12.11 21.35 11.82 15.23 12.17 4.051
Net margin 11.33% 17.39% 10.65% 13.47% 10.29% 20.92%
EPS 2 18.10 31.92 17.76 22.89 18.28 6.058
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 4/30/19 4/29/20 3/31/21 3/30/22 3/31/23 3/26/24
1HRK in Million2HRK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 103 188 354 404 599 132
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 2.76% 4.66% 2.47% 3.12% 2.64% 6.3%
ROA (Net income/ Total Assets) 0.36% 0.61% 0.31% 0.37% 0.28% 0.63%
Assets 1 3,326 3,499 3,778 4,069 4,388 644.1
Book Value Per Share 2 659.0 713.0 724.0 746.0 641.0 108.0
Cash Flow per Share 2 739.0 611.0 1,160 1,118 1,701 270.0
Capex - 2.19 9.15 1.66 31.5 0.1
Capex / Sales - 1.78% 8.24% 1.47% 26.61% 0.52%
Announcement Date 4/30/19 4/29/20 3/31/21 3/30/22 3/31/23 3/26/24
1HRK in Million2HRK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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