Nova Ljubljanska Banka d.d. (NLB.IL)
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No price history available.
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 508 | 701 | 831 | 1,153 | 1,293 | 1,033 | 1,315 | - |
| Operating profit | €m | 593 | 568 | ||||||
| Net profit | €m | 270 | 236 | 447 | 551 | 515 | 503 | 481 | 510 |
| EPS reported | € | 5.03 | 4.81 | ||||||
| Operating cashflow per share | € | 4.48 | 11.62 | ||||||
| Capex per share | € | 0.87 | 0.68 | ||||||
| FCF per share | € | 3.61 | 10.93 | ||||||
| Free cash flow | €m | 361 | 616 | ||||||
| Net debt | €m | -1,627 | -1,525 | ||||||
| Book value equity | €m | 3,782 | 3,895 | ||||||
| Book value per share | € | 37.82 | 38.95 | ||||||
| Number of shares | m | 100 | 100 | ||||||
| DPS (TTM paid) | € | 2.67 | 2.67 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.18 | 9.01 | ||||||
| P/B LTM | x | 0.95 | 0.93 | ||||||
| P/S LTM | x | 3.50 | 2.74 | ||||||
| P/FCF LTM | x | 9.99 | 5.86 | ||||||
| EV/EBITDA LTM | x | 3.17 | 3.21 | ||||||
| EV/Sales LTM | x | 1.53 | 2.15 | ||||||
| Earnings Yield LTM | % | +13.93% | +11.10% | ||||||
| FCF Yield | % | +10.01% | +17.05% | ||||||
| Quality | |||||||||
| ROE | % | +13.30% | +14.02% | ||||||
| ROIC | % | +1.65% | +1.59% | ||||||
| Operating margin | % | +44.85% | +36.83% | ||||||
| Gross margin | % | +96.48% | +83.28% | ||||||
| FCF/Sales | % | +27.31% | +68.43% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -2.14% | -6.42% | ||||||
| Sales Growth YoY | % | -20.09% | +1.76% | ||||||
| Net Income Growth YoY | % | -2.23% | -6.50% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -2.43% | -6.67% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +7.36% | +5.93% | ||||||
| Dividend Growth | % | +11.90% | +11.90% | ||||||
| Payout Ratio | % | +52.85% | +52.86% | ||||||
| FCF/Debt | x | 0.13 | 0.30 | ||||||
| Net Debt/EBITDA | x | -2.49 | -1.64 | ||||||
| EBIT/Net interest | x | 2.04 | 1.97 | ||||||
| Net debt/market cap | % | +76.22% | +66.91% | ||||||
| Net debt/Equity | x | -0.43 | -0.39 | ||||||
| Gross debt/equity | x | 0.74 | 0.53 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Nova Ljubljanska Banka d.d. (NLB), along with its associated entities, delivers a broad spectrum of banking solutions to individual clients and corporations throughout Slovenia, Southeast Europe, and Western Europe. The institution's operations are divided into several key segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. NLB's offerings encompass savings and deposit accounts; personal, home, and green loans; housing guarantee schemes; and financing for businesses. Additionally, the company provides various types of payment cards; comprehensive investment services, including securities trading, treasury bills, investment funds, and savings-linked insurance; and a range of insurance products. Its services further extend to leasing, payment processing, asset management, and specialized investment banking. Founded in 1889, Nova Ljubljanska Banka d.d. is headquartered in Ljubljana, Slovenia.
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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.
Nova Ljubljanska Banka d.d. (NLB.IL)
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
Nova Ljubljanska Banka d.d. (NLB), along with its associated entities, delivers a broad spectrum of banking solutions to individual clients and corporations throughout Slovenia, Southeast Europe, and Western Europe. The institution's operations are divided into several key segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. NLB's offerings encompass savings and deposit accounts; personal, home, and green loans; housing guarantee schemes; and financing for businesses. Additionally, the company provides various types of payment cards; comprehensive investment services, including securities trading, treasury bills, investment funds, and savings-linked insurance; and a range of insurance products. Its services further extend to leasing, payment processing, asset management, and specialized investment banking. Founded in 1889, Nova Ljubljanska Banka d.d. is headquartered in Ljubljana, Slovenia.
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