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Getin Noble Bank S.A. (GNB.WA)
Key financial summary
Financials in PLN| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN m | 160 | 90 | 386 | -15 | 554 | 790 | 918 |
| Operating profit | PLN m | -1,056 | -668 | |||||
| Net profit | PLN m | -42 | -575 | -453 | -592 | -559 | -1,069 | -962 |
| EPS reported | PLN | -1.02 | -0.92 | |||||
| Operating cashflow per share | PLN | 1.82 | 1.82 | |||||
| Capex per share | PLN | 0.08 | 0.08 | |||||
| FCF per share | PLN | 1.73 | 1.73 | |||||
| Free cash flow | PLN m | 1,811 | 1,052 | |||||
| Net debt | PLN m | -3,801 | -3,293 | |||||
| Book value equity | PLN m | 617 | 528 | |||||
| Book value per share | PLN | 0.59 | 0.51 | |||||
| Number of shares | m | 1,044.55 | 1,044.55 | |||||
| DPS (TTM paid) | PLN | 0.00 | 0.00 |
Financial summary
Financials in PLN| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | 0.55 | 0.29 | |||||
| P/S LTM | x | 0.43 | 0.17 | |||||
| P/FCF LTM | x | 0.19 | 0.15 | |||||
| EV/EBITDA LTM | x | 0.00 | 0.00 | |||||
| EV/Sales LTM | x | -3.07 | -3.42 | |||||
| Earnings Yield LTM | % | -314.84% | -692.77% | |||||
| FCF Yield | % | 533.47% | 681.83% | |||||
| Quality | ||||||||
| ROE | % | -173.37% | -81.56% | |||||
| ROIC | % | -7.50% | -7.50% | |||||
| Operating margin | % | -93.64% | -93.64% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 160.59% | 160.59% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | +42.58% | +59.94% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | +27.46% | +134.95% | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | 1.91 | 1.11 | |||||
| Net Debt/EBITDA | x | 0.00 | 0.00 | |||||
| EBIT/Net interest | x | -3.13 | -3.13 | |||||
| Net debt/market cap | % | -1119.8% | -2134.5% | |||||
| Net debt/Equity | x | -6.17 | -6.24 | |||||
| Gross debt/equity | x | 1.54 | 1.80 | |||||
Company overview
Established in 2004 and based in Warsaw, Poland, Getin Noble Bank S.A. delivers a comprehensive range of banking and financial services to a diverse clientele throughout Poland. Its customer base includes individual consumers, small and medium-sized enterprises (SMEs), local government bodies, housing cooperatives, and corporate entities. The bank offers retail banking solutions, encompassing deposit accounts, investment products, personal loans, and credit cards, all under its "Getin Bank" brand. For a more exclusive clientele, the "Noble Bank" brand provides private banking, expert advice on real estate and investments, legal and tax support, and specialized art banking services. This segment also facilitates financing for vehicle acquisitions and real estate dealings. Beyond traditional banking, Getin Noble Bank S.A. manages and establishes investment funds through "Noble Funds." It also provides financial instrument brokerage services for securities and commodity markets, bespoke investment opportunities, and assistance with share issuances under the "Noble Securities" brand. Customers can access various support services via "Noble Concierge" and utilize robust online banking platforms. Furthermore, the institution offers a broad spectrum of money investment services, including participation units, investment consultancy, portfolio management, and the setup and administration of investment funds. It also serves as an intermediary for financial, credit, savings, and investment products, alongside personal finance advice. The bank operates an extensive network, comprising approximately 300 branches and franchised outlets.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Getin Noble Bank S.A. (GNB.WA)
Established in 2004 and based in Warsaw, Poland, Getin Noble Bank S.A. delivers a comprehensive range of banking and financial services to a diverse clientele throughout Poland. Its customer base includes individual consumers, small and medium-sized enterprises (SMEs), local government bodies, housing cooperatives, and corporate entities. The bank offers retail banking solutions, encompassing deposit accounts, investment products, personal loans, and credit cards, all under its "Getin Bank" brand. For a more exclusive clientele, the "Noble Bank" brand provides private banking, expert advice on real estate and investments, legal and tax support, and specialized art banking services. This segment also facilitates financing for vehicle acquisitions and real estate dealings. Beyond traditional banking, Getin Noble Bank S.A. manages and establishes investment funds through "Noble Funds." It also provides financial instrument brokerage services for securities and commodity markets, bespoke investment opportunities, and assistance with share issuances under the "Noble Securities" brand. Customers can access various support services via "Noble Concierge" and utilize robust online banking platforms. Furthermore, the institution offers a broad spectrum of money investment services, including participation units, investment consultancy, portfolio management, and the setup and administration of investment funds. It also serves as an intermediary for financial, credit, savings, and investment products, alongside personal finance advice. The bank operates an extensive network, comprising approximately 300 branches and franchised outlets.
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