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Key financial summary
Financials in CZK| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | CZK bn | 29.6 | 16.9 | 38.6 | 36.1 | 39.1 | 38.9 | 19.8 | - |
| Operating profit | CZK bn | 21.7 | 21.3 | ||||||
| Net profit | CZK bn | 8.2 | 12.7 | 17.6 | 15.6 | 17.2 | 18.1 | 17.8 | 17.0 |
| EPS reported | CZK | 95.61 | 94.07 | ||||||
| Operating cashflow per share | CZK | 55.80 | 0.00 | ||||||
| Capex per share | CZK | 14.17 | 0.00 | ||||||
| FCF per share | CZK | 41.63 | 0.00 | ||||||
| Free cash flow | CZK bn | 7.86 | 0.00 | ||||||
| Net debt | CZK bn | 63.2 | -20.9 | ||||||
| Book value equity | CZK bn | 127 | 118 | ||||||
| Book value per share | CZK | 673.7 | 622.6 | ||||||
| Number of shares | m | 188.85 | 188.86 | ||||||
| DPS (TTM paid) | CZK | 95.60 | 95.60 |
Financial summary
Financials in CZK| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.15 | 10.53 | ||||||
| P/B LTM | x | 1.72 | 1.57 | ||||||
| P/S LTM | x | 5.64 | 9.36 | ||||||
| P/FCF LTM | x | 27.92 | 0.00 | ||||||
| EV/EBITDA LTM | x | 12.58 | 7.09 | ||||||
| EV/Sales LTM | x | 2.61 | 8.30 | ||||||
| Earnings Yield LTM | % | 8.23% | 9.50% | ||||||
| FCF Yield | % | 3.58% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 14.19% | 14.26% | ||||||
| ROIC | % | 22.52% | 0.99% | ||||||
| Operating margin | % | 20.05% | 57.46% | ||||||
| Gross margin | % | 34.04% | 99.89% | ||||||
| FCF/Sales | % | 7.27% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +4.72% | -9.86% | ||||||
| Sales Growth YoY | % | -0.40% | -84.79% | ||||||
| Net Income Growth YoY | % | +4.71% | -9.85% | ||||||
| FCF Growth | % | -89.56% | - | ||||||
| Operating Profit Growth | % | +5.63% | -8.19% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 7.87% | 9.65% | ||||||
| Dividend Growth | % | +4.71% | +4.71% | ||||||
| Payout Ratio | % | 95.67% | 0.00% | ||||||
| FCF/Debt | x | 0.12 | 0.00 | ||||||
| Net Debt/EBITDA | x | 2.49 | -0.90 | ||||||
| EBIT/Net interest | x | 0.31 | 1.23 | ||||||
| Net debt/market cap | % | 28.82% | -11.32% | ||||||
| Net debt/Equity | x | 0.50 | -0.18 | ||||||
| Gross debt/equity | x | 0.50 | 0.63 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Komercní banka, a.s., alongside its affiliated entities, delivers a comprehensive range of retail, corporate, and investment banking solutions. Its operations are primarily focused across the Czech Republic, with an extended presence in Central and Eastern Europe. Clients can open a variety of deposit accounts, including checking, savings, term, building society, and foreign currency accounts. The bank's lending portfolio encompasses consumer financing (such as personal, student, and home equity loans), diverse business funding (for start-ups, operations, and revolving needs), and specialized financial solutions like structured finance, acquisition/merger financing, and mortgage loans. Beyond core banking, the institution provides an extensive array of other financial services. These include payment cards (debit and credit), investment opportunities, various insurance policies (life, travel, property, and card protection), and pension schemes. Additionally, it facilitates overdrafts, trade and export finance, bond issuance, cash management, cash pooling, bills of exchange, financial instrument trading, leasing, foreign currency and derivative transactions, and guarantee services. Customers also benefit from modern E-banking, telephone banking, and mobile banking platforms. Its diverse clientele spans individuals, small enterprises, large corporations, and municipal bodies. By the end of 2021, its operational footprint included 242 branches and 860 automated teller machines (ATMs). Founded in 1990, the bank maintains its headquarters in Prague, Czech Republic, and functions as a subsidiary of Société Générale S.A.
Similar companies
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.
Komercní banka, a.s. (KOMB.PR)
Based on consensus from external analysts. Not Kvantra's opinion.
Komercní banka, a.s., alongside its affiliated entities, delivers a comprehensive range of retail, corporate, and investment banking solutions. Its operations are primarily focused across the Czech Republic, with an extended presence in Central and Eastern Europe. Clients can open a variety of deposit accounts, including checking, savings, term, building society, and foreign currency accounts. The bank's lending portfolio encompasses consumer financing (such as personal, student, and home equity loans), diverse business funding (for start-ups, operations, and revolving needs), and specialized financial solutions like structured finance, acquisition/merger financing, and mortgage loans. Beyond core banking, the institution provides an extensive array of other financial services. These include payment cards (debit and credit), investment opportunities, various insurance policies (life, travel, property, and card protection), and pension schemes. Additionally, it facilitates overdrafts, trade and export finance, bond issuance, cash management, cash pooling, bills of exchange, financial instrument trading, leasing, foreign currency and derivative transactions, and guarantee services. Customers also benefit from modern E-banking, telephone banking, and mobile banking platforms. Its diverse clientele spans individuals, small enterprises, large corporations, and municipal bodies. By the end of 2021, its operational footprint included 242 branches and 860 automated teller machines (ATMs). Founded in 1990, the bank maintains its headquarters in Prague, Czech Republic, and functions as a subsidiary of Société Générale S.A.
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