Financials Nova Ljubljanska Banka d.d.

Equities

NLBR

SI0021117344

Banks

End-of-day quote Ljubljana S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
104 EUR -0.48% Intraday chart for Nova Ljubljanska Banka d.d. -0.48% +22.35%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,240 916 1,524 1,248 1,700 2,080 - -
Enterprise Value (EV) 1 1,240 916 1,524 1,248 1,700 2,080 2,080 2,080
P/E ratio 6.39 x 3.39 x 6.46 x 2.8 x - 4.59 x 5.01 x 6.61 x
Yield - 2.71% 3.28% - - 11.1% 11.4% 11%
Capitalization / Revenue 2.41 x 1.82 x 2.29 x 1.56 x 1.55 x 1.82 x 1.8 x 1.77 x
EV / Revenue 2.41 x 1.82 x 2.29 x 1.56 x 1.55 x 1.82 x 1.8 x 1.77 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.74 x 0.47 x 0.73 x 0.55 x 0.59 x 0.68 x 0.64 x 0.83 x
Nbr of stocks (in thousands) 20,000 20,000 20,000 20,000 20,000 20,000 - -
Reference price 2 62.00 45.80 76.20 62.40 85.00 104.0 104.0 104.0
Announcement Date 2/20/20 2/24/21 2/24/22 2/23/23 2/22/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 513.6 504.5 666.9 798.5 1,093 1,146 1,158 1,175
EBITDA - - - - - - - -
EBIT 1 212.2 210.5 251.5 338.3 591.4 589.1 649.3 589.2
Operating Margin 41.32% 41.72% 37.71% 42.37% 54.09% 51.41% 56.07% 50.15%
Earnings before Tax (EBT) 1 215.4 277.9 261.4 483.1 578.4 556.3 530 519.2
Net income 1 193.6 141.3 236.4 446.9 550.7 462.2 438.3 428.9
Net margin 37.69% 28.01% 35.45% 55.97% 50.37% 40.34% 37.84% 36.5%
EPS 2 9.700 13.50 11.80 22.30 - 22.64 20.77 15.74
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 1.240 2.500 - - 11.50 11.89 11.41
Announcement Date 2/20/20 2/24/21 2/24/22 2/23/23 2/22/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2024 Q1
Net sales 1 166 174.5 183.6 205.6 234.9 241.9 269.7 289.2 298.6
EBITDA - - - - - - - - -
EBIT 1 66.1 71.8 67.6 91.7 107.2 124.8 146.1 168.2 174.2
Operating Margin 39.82% 41.15% 36.82% 44.6% 45.64% 51.59% 54.17% 58.16% 58.34%
Earnings before Tax (EBT) 1 72.9 240.8 65.2 101.3 75.7 137.5 151.8 165.1 169.2
Net income 1 65.7 231.5 55.5 90.8 69.1 120.1 122.6 144.2 137.4
Net margin 39.58% 132.66% 30.23% 44.16% 29.42% 49.65% 45.46% 49.87% 46.01%
EPS - - 2.770 4.540 3.410 - - - -
Dividend per Share - - - - - - - - -
Announcement Date 11/11/21 5/11/22 8/11/22 11/10/22 2/23/23 5/11/23 8/10/23 11/9/23 -
1EUR 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) 11.7% 8.3% 11.4% 12.2% 21% 15.5% 13.5% 12.4%
ROA (Net income/ Total Assets) 1.5% 1% 1.1% 1.2% 2.2% 1.72% 1.48% 0.9%
Assets 1 12,907 14,130 21,491 37,242 25,032 26,918 29,565 47,651
Book Value Per Share 2 84.30 97.60 104.0 114.0 144.0 154.0 162.0 125.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/20/20 2/24/21 2/24/22 2/23/23 2/22/24 - - -
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

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
7
Last Close Price
104 EUR
Average target price
133.1 EUR
Spread / Average Target
+28.01%
Consensus
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  3. NLBR Stock
  4. Financials Nova Ljubljanska Banka d.d.