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Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 1,878 | 2,310 | 2,300 | 2,583 | 2,756 | 1,662 | 2,332 | - |
| Operating profit | €m | 1,378 | 1,450 | ||||||
| Net profit | €m | -664 | -3,013 | 950 | 788 | 1,066 | 1,062 | 1,125 | 1,185 |
| EPS reported | € | 0.82 | 0.89 | ||||||
| Operating cashflow per share | € | 1.56 | 0.58 | ||||||
| Capex per share | € | 0.12 | 0.14 | ||||||
| FCF per share | € | 1.44 | 0.44 | ||||||
| Free cash flow | €m | 1,863 | 570 | ||||||
| Net debt | €m | 101 | -4,783 | ||||||
| Book value equity | €m | 8,095 | 9,630 | ||||||
| Book value per share | € | 6.25 | 7.45 | ||||||
| Number of shares | m | 1,295.12 | 1,292.31 | ||||||
| DPS (TTM paid) | € | 0.40 | 0.80 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.28 | 10.70 | ||||||
| P/B LTM | x | 1.09 | 1.30 | ||||||
| P/S LTM | x | 5.29 | 5.38 | ||||||
| P/FCF LTM | x | 4.72 | 22.00 | ||||||
| EV/EBITDA LTM | x | 8.30 | 5.13 | ||||||
| EV/Sales LTM | x | 5.10 | 3.33 | ||||||
| Earnings Yield LTM | % | 12.08% | 9.35% | ||||||
| FCF Yield | % | 21.19% | 4.54% | ||||||
| Quality | |||||||||
| ROE | % | 13.12% | 12.73% | ||||||
| ROIC | % | 1.18% | 4.52% | ||||||
| Operating margin | % | 56.73% | 47.00% | ||||||
| Gross margin | % | 94.32% | 80.45% | ||||||
| FCF/Sales | % | 76.70% | 18.48% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -4.65% | +4.71% | ||||||
| Sales Growth YoY | % | -39.70% | -9.58% | ||||||
| Net Income Growth YoY | % | -0.38% | +5.93% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -4.04% | -10.82% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 4.24% | 8.40% | ||||||
| Dividend Growth | % | +10.55% | - | ||||||
| Payout Ratio | % | 35.12% | 0.00% | ||||||
| FCF/Debt | x | 0.17 | 0.11 | ||||||
| Net Debt/EBITDA | x | 2.41 | -3.17 | ||||||
| EBIT/Net interest | x | 1.80 | 1.93 | ||||||
| Net debt/market cap | % | 1.15% | -38.14% | ||||||
| Net debt/Equity | x | 0.01 | -0.50 | ||||||
| Gross debt/equity | x | 1.37 | 0.56 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Piraeus Financial Holdings S.A. is a prominent financial institution providing a broad spectrum of banking and financial services, catering to clients both within Greece and globally. The company's operations are organized across several key divisions: Retail Banking, Corporate Banking, Piraeus Financial Markets, Other activities, and a dedicated NPE Management Unit for non-performing exposures. Its extensive product portfolio includes diverse deposit accounts, such as term, savings, and current options, alongside personal banking and payroll solutions. Customers also have access to various card products, including credit, debit, and prepaid options. The lending segment covers a wide array of financial products, encompassing mortgages, commercial real estate loans, corporate financing, consumer credit, vehicle loans, sovereign lending, personal loans, home equity, agricultural financing, restructuring facilities, and working capital loans, as well as overdraft services. Piraeus Financial Holdings also facilitates investments through mutual funds, corporate and treasury bonds, equities, and specialized energy finance and treasury products. Furthermore, it offers a comprehensive suite of insurance solutions, ranging from policies for cars, homes, and civil liability to health, endowment, accident/life, and lifestyle coverage, including corporate and group life and health plans, and protection against electronic and cyber risks. The institution delivers a host of other financial and advisory services, such as financial planning, asset management, payment and remittance solutions, cash management, settlement services, payroll processing, fixed income trading, foreign exchange, risk management, stock exchange services, corporate factoring, and both financial and operating leasing. Digital banking services, infrastructure advisory, project and real estate finance, remote banking, debt securities issuance, and commercial debt assessment and collection are also part of its offerings. Beyond core banking, the company's activities extend to portfolio, yachting, shopping center, property, and real estate management services. It also operates an insurance agency, engages in land and real estate development and construction, trades boat vehicles, cars, and equipment, and handles real estate purchases, sales, and rentals. Advisory, hotel and training, financial, telecommunication, and information technology services further diversify its business. Founded in 1916 and originally known as Piraeus Bank S.A., the company maintains its headquarters in Athens, Greece.
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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.
Piraeus Financial Holdings S.A. (TPEIR.AT)
Based on consensus from external analysts. Not Kvantra's opinion.
Piraeus Financial Holdings S.A. is a prominent financial institution providing a broad spectrum of banking and financial services, catering to clients both within Greece and globally. The company's operations are organized across several key divisions: Retail Banking, Corporate Banking, Piraeus Financial Markets, Other activities, and a dedicated NPE Management Unit for non-performing exposures. Its extensive product portfolio includes diverse deposit accounts, such as term, savings, and current options, alongside personal banking and payroll solutions. Customers also have access to various card products, including credit, debit, and prepaid options. The lending segment covers a wide array of financial products, encompassing mortgages, commercial real estate loans, corporate financing, consumer credit, vehicle loans, sovereign lending, personal loans, home equity, agricultural financing, restructuring facilities, and working capital loans, as well as overdraft services. Piraeus Financial Holdings also facilitates investments through mutual funds, corporate and treasury bonds, equities, and specialized energy finance and treasury products. Furthermore, it offers a comprehensive suite of insurance solutions, ranging from policies for cars, homes, and civil liability to health, endowment, accident/life, and lifestyle coverage, including corporate and group life and health plans, and protection against electronic and cyber risks. The institution delivers a host of other financial and advisory services, such as financial planning, asset management, payment and remittance solutions, cash management, settlement services, payroll processing, fixed income trading, foreign exchange, risk management, stock exchange services, corporate factoring, and both financial and operating leasing. Digital banking services, infrastructure advisory, project and real estate finance, remote banking, debt securities issuance, and commercial debt assessment and collection are also part of its offerings. Beyond core banking, the company's activities extend to portfolio, yachting, shopping center, property, and real estate management services. It also operates an insurance agency, engages in land and real estate development and construction, trades boat vehicles, cars, and equipment, and handles real estate purchases, sales, and rentals. Advisory, hotel and training, financial, telecommunication, and information technology services further diversify its business. Founded in 1916 and originally known as Piraeus Bank S.A., the company maintains its headquarters in Athens, Greece.
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