Stock ETE NATIONAL BANK OF GREECE S.A.
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Financials National Bank of Greece S.A.

Equities

ETE

GRS003003035

Banks

Market Closed - Athens S.E.
Other stock markets
 15:17:31 30/04/2024 BST 		After market 16:31:14
7.56 EUR -1.43% Intraday chart for National Bank of Greece S.A. 7.592 +0.42%
04-18 Greek economy surges after decade of pain RE
03-12 Transcript : National Bank of Greece S.A., Q4 2023 Earnings Call, Mar 12, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,762 2,067 2,681 3,427 5,753 7,013 - -
Enterprise Value (EV) 1 2,762 2,067 2,681 3,427 5,753 7,013 7,013 7,013
P/E ratio -10.8 x 56.5 x 3.09 x 3.07 x 5.24 x 6.42 x 7.05 x 6.25 x
Yield - - - - - 5.69% 6.26% 7.01%
Capitalization / Revenue 1.64 x 0.82 x 1.41 x 1.66 x 2.1 x 2.62 x 2.77 x 2.65 x
EV / Revenue 1.64 x 0.82 x 1.41 x 1.66 x 2.1 x 2.62 x 2.77 x 2.65 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.53 x 0.41 x 0.47 x 0.53 x - 0.85 x 0.78 x 0.73 x
Nbr of stocks (in thousands) 914,503 914,027 914,556 914,695 914,561 914,352 - -
Reference price 2 3.020 2.261 2.932 3.747 6.290 7.670 7.670 7.670
Announcement Date 31/03/20 26/03/21 29/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,681 2,522 1,903 2,060 2,739 2,672 2,531 2,645
EBITDA - - - - - - - -
EBIT 1 839 1,708 1,120 1,255 1,810 1,768 1,607 1,630
Operating Margin 49.91% 67.72% 58.85% 60.92% 66.08% 66.16% 63.5% 61.64%
Earnings before Tax (EBT) 1 497 602 799 1,155 1,662 1,532 1,387 1,458
Net income 1 -255 38 867 1,120 1,106 1,103 1,000 1,123
Net margin -15.17% 1.51% 45.56% 54.37% 40.38% 41.27% 39.52% 42.45%
EPS 2 -0.2800 0.0400 0.9500 1.220 1.200 1.195 1.088 1.228
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 0.4363 0.4801 0.5380
Announcement Date 31/03/20 26/03/21 29/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 341 385 493 579 449 542 634 652 690 762 728.2 707.2 689.2 658.3
EBITDA - - - - - - - - - - - - - -
EBIT 1 160 157 301 385 250 - 433 - 481 499 517.7 - - -
Operating Margin 46.92% 40.78% 61.05% 66.49% 55.68% - 68.3% - 69.71% 65.49% 71.09% - - -
Earnings before Tax (EBT) 1 197 66 - 292 172 - 377 - - 463 463 - - -
Net income 1 192 100 - 186 134 - 260 - 261 315 318.3 297.9 249.2 203.2
Net margin 56.3% 25.97% - 32.12% 29.84% - 41.01% - 37.83% 41.34% 43.71% 42.12% 36.16% 30.87%
EPS 2 0.2100 - - 0.2000 0.1500 0.4800 - - - 0.3400 0.3511 0.3257 0.2724 0.2222
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 26/11/21 29/03/22 27/05/22 29/07/22 10/11/22 14/03/23 23/05/23 02/08/23 07/11/23 12/03/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.7% 0.74% 16% 18.4% - 14% 12.2% 12.2%
ROA (Net income/ Total Assets) 0.93% 0.05% 1.07% 1.38% - 1.44% 1.11% 1.11%
Assets 1 -27,556 70,869 80,719 81,042 - 76,581 90,527 101,608
Book Value Per Share 2 5.750 5.530 6.290 7.050 - 9.070 9.880 10.40
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 31/03/20 26/03/21 29/03/22 14/03/23 12/03/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for National Bank of Greece S.A.

Trading Rating
Investor Rating
ESG Refinitiv
A
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
13
Last Close Price
7.67 EUR
Average target price
9.041 EUR
Spread / Average Target
+17.88%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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