Stock TLV BANCA TRANSILVANIA S.A.
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Financials Banca Transilvania S.A.

Equities

TLV

ROTLVAACNOR1

Banks

End-of-day quote Bucharest S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
28.4 RON 0.00% Intraday chart for Banca Transilvania S.A. +0.35% +17.07%
Feb. 28 Transcript : Banca Transilvania S.A., Q4 2023 Earnings Call, Feb 28, 2024
Feb. 26 Banca Transilvania S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 13,438 12,800 16,240 14,063 19,329 22,627 - -
Enterprise Value (EV) 1 13,438 12,800 16,240 14,063 19,329 22,627 22,627 22,627
P/E ratio 7.6 x 9.34 x 8.2 x 5.86 x 6.69 x 8.48 x 8.11 x 7.06 x
Yield 4.43% 3.52% 4.91% - - 4.68% 4.82% 6.36%
Capitalization / Revenue 2.91 x 2.82 x 3.28 x 2.24 x 2.5 x 2.84 x 2.74 x 2.53 x
EV / Revenue 2.91 x 2.82 x 3.28 x 2.24 x 2.5 x 2.84 x 2.74 x 2.53 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.53 x 1.29 x 1.61 x 1.58 x - 1.56 x 1.34 x 1.15 x
Nbr of stocks (in thousands) 792,885 791,849 796,544 796,735 796,735 796,735 - -
Reference price 2 16.95 16.16 20.39 17.65 24.26 28.40 28.40 28.40
Announcement Date 2/27/20 2/26/21 2/25/22 2/24/23 2/26/24 - - -
1RON in Million2RON
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,615 4,543 4,955 6,280 7,743 7,962 8,252 8,930
EBITDA - - - - - - - -
EBIT 1 2,424 2,493 2,573 3,296 4,219 4,255 4,345 -
Operating Margin 52.53% 54.89% 51.94% 52.49% 54.49% 53.44% 52.66% -
Earnings before Tax (EBT) 2,131 1,672 2,322 2,801 3,706 - 3,700 4,120
Net income 1 1,848 1,476 2,046 2,488 2,985 2,605 2,922 3,460
Net margin 40.05% 32.5% 41.29% 39.62% 38.55% 32.72% 35.41% 38.75%
EPS 2 2.230 1.730 2.486 3.014 3.624 3.350 3.500 4.020
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.7513 0.5691 1.002 - - 1.330 1.370 1.807
Announcement Date 2/27/20 2/26/21 2/25/22 2/24/23 2/26/24 - - -
1RON in Million2RON
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q3 2023 Q4 2024 Q1
Net sales - 1,337 1,296 - - - - - -
EBITDA - - - - - - - - -
EBIT 1 624 - 615.5 765 875.9 1,040 - 1,124 1,114
Operating Margin - - 47.49% - - - - - -
Earnings before Tax (EBT) 1 770 388 473.3 728 737.5 862.3 - 1,767 1,064
Net income 1 634 411.2 383.5 - - - 688.9 1,375 894
Net margin - 30.76% 29.58% - - - - - -
EPS - - 0.4283 - - - 0.8644 - -
Dividend per Share - - - - - - - - -
Announcement Date 11/12/21 2/25/22 5/6/22 8/29/22 11/10/22 2/24/23 11/10/23 2/26/24 -
1RON in Million
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) 22.5% 15.6% 20.3% 24.9% 25.5% 19.6% 17.5% -
ROA (Net income/ Total Assets) 2.18% 1.48% 1.7% 1.82% 1.93% - - -
Assets 1 84,809 99,630 119,993 136,501 154,637 - - -
Book Value Per Share 2 11.10 12.50 12.60 11.20 - 18.20 21.20 24.70
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/27/20 2/26/21 2/25/22 2/24/23 2/26/24 - - -
1RON in Million2RON
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Banca Transilvania S.A.

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
28.4 RON
Average target price
28.02 RON
Spread / Average Target
-1.33%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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