Alpha Services and Holdings S.A. Logo

Alpha Services and Holdings S.A.

ALBKF

(2.2)
Stock Price

1,60 USD

0.85% ROA

8.24% ROE

5.5x PER

Market Cap.

3.481.008.902,75 USD

149.65% DER

1.9% Yield

24.1% NPM

Alpha Services and Holdings S.A. Stock Analysis

Alpha Services and Holdings S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Alpha Services and Holdings S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.48x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (49%), which means it has a small amount of debt compared to the ownership it holds

3 ROE

The stock's ROE falls within an average range (6.99%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.63%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock seems overpriced (-33), indicating a potential drawback for investors as its market price exceeds its estimated intrinsic value.

Alpha Services and Holdings S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Alpha Services and Holdings S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Alpha Services and Holdings S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Alpha Services and Holdings S.A. Revenue
Year Revenue Growth
2002 1.419.465.000
2003 1.512.712.000 6.16%
2004 1.751.523.000 13.63%
2005 1.980.548.000 11.56%
2006 1.938.704.000 -2.16%
2007 2.228.052.000 12.99%
2008 2.329.390.000 4.35%
2009 2.381.387.000 2.18%
2010 2.248.669.000 -5.9%
2011 -2.506.235.000 189.72%
2012 1.504.956.000 266.53%
2013 2.359.328.000 36.21%
2014 2.447.085.000 3.59%
2015 2.259.597.000 -8.3%
2016 2.439.593.000 7.38%
2017 2.470.918.000 1.27%
2018 2.599.042.000 4.93%
2019 2.308.115.000 -12.6%
2020 2.574.540.000 10.35%
2021 -365.066.000 805.23%
2022 2.279.185.000 116.02%
2023 2.297.564.000 0.8%
2023 4.070.520.000 43.56%
2024 4.974.824.000 18.18%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Alpha Services and Holdings S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Alpha Services and Holdings S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 361.578.000
2003 410.888.000 12%
2004 452.230.000 9.14%
2005 309.755.000 -46%
2006 209.497.000 -47.86%
2007 259.312.000 19.21%
2008 296.312.000 12.49%
2009 332.294.000 10.83%
2010 296.661.000 -12.01%
2011 272.732.000 -8.77%
2012 274.331.000 0.58%
2013 328.177.000 16.41%
2014 364.687.000 10.01%
2015 297.520.000 -22.58%
2016 275.519.000 -7.99%
2017 315.549.000 12.69%
2018 290.584.000 -8.59%
2019 274.632.000 -5.81%
2020 263.375.000 -4.27%
2021 273.923.000 3.85%
2022 218.868.000 -25.15%
2023 242.604.000 9.78%
2023 165.598.000 -46.5%
2024 118.608.000 -39.62%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Alpha Services and Holdings S.A. EBITDA
Year EBITDA Growth
2002 480.068.000
2003 507.319.000 5.37%
2004 632.105.000 19.74%
2005 704.706.000 10.3%
2006 863.964.000 18.43%
2007 1.142.854.000 24.4%
2008 713.202.000 -60.24%
2009 594.319.000 -20%
2010 309.267.000 -92.17%
2011 -4.638.861.000 106.67%
2012 -1.197.838.000 -287.27%
2013 2.371.112.000 150.52%
2014 -873.960.000 371.31%
2015 -2.037.107.000 57.1%
2016 166.359.000 1324.52%
2017 277.610.000 40.07%
2018 -139.888.000 298.45%
2019 306.751.000 145.6%
2020 293.901.000 -4.37%
2021 -2.697.330.000 110.9%
2022 881.600.000 405.96%
2023 1.176.352.000 25.06%
2023 228.820.000 -414.09%
2024 -651.888.000 135.1%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Alpha Services and Holdings S.A. Gross Profit
Year Gross Profit Growth
2002 1.419.465.000
2003 1.512.712.000 6.16%
2004 1.751.523.000 13.63%
2005 1.980.548.000 11.56%
2006 1.938.704.000 -2.16%
2007 2.228.052.000 12.99%
2008 2.329.390.000 4.35%
2009 2.381.387.000 2.18%
2010 2.248.669.000 -5.9%
2011 -2.506.235.000 189.72%
2012 1.504.956.000 266.53%
2013 2.359.328.000 36.21%
2014 2.447.085.000 3.59%
2015 2.259.597.000 -8.3%
2016 2.439.593.000 7.38%
2017 2.470.918.000 1.27%
2018 2.599.042.000 4.93%
2019 2.308.115.000 -12.6%
2020 2.574.540.000 10.35%
2021 -365.066.000 805.23%
2022 2.279.185.000 116.02%
2023 2.297.564.000 0.8%
2023 4.070.520.000 43.56%
2024 4.974.824.000 18.18%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Alpha Services and Holdings S.A. Net Profit
Year Net Profit Growth
2002 172.487.000
2003 284.221.000 39.31%
2004 408.228.000 30.38%
2005 498.478.000 18.11%
2006 549.859.000 9.34%
2007 850.035.000 35.31%
2008 512.067.000 -66%
2009 349.814.000 -46.38%
2010 85.649.000 -308.43%
2011 -3.810.169.000 102.25%
2012 -1.086.284.000 -250.75%
2013 2.922.169.000 137.17%
2014 -329.809.000 986.02%
2015 -1.371.714.000 75.96%
2016 42.140.000 3355.14%
2017 21.033.000 -100.35%
2018 52.961.000 60.29%
2019 105.296.000 49.7%
2020 103.800.000 -1.44%
2021 -2.906.160.000 103.57%
2022 368.103.000 889.5%
2023 765.588.000 51.92%
2023 611.022.000 -25.3%
2024 440.936.000 -38.57%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Alpha Services and Holdings S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 37 100%
2004 36 0%
2005 31 -16.13%
2006 35 11.43%
2007 53 32.69%
2008 32 -67.74%
2009 21 -47.62%
2010 4 -425%
2011 -197 102.03%
2012 -56 -251.79%
2013 22 354.55%
2014 -1 2300%
2015 -4 66.67%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 -2 100%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Alpha Services and Holdings S.A. Free Cashflow
Year Free Cashflow Growth
2004 -1.034.760.000
2005 5.767.926.000 117.94%
2006 -1.061.016.000 643.62%
2007 -5.288.042.000 79.94%
2008 2.663.130.000 298.56%
2009 2.484.274.000 -7.2%
2010 -1.236.801.000 300.86%
2011 -784.322.000 -57.69%
2012 2.540.527.000 130.87%
2013 -4.559.504.000 155.72%
2014 -1.405.711.000 -224.36%
2015 -1.414.970.000 0.65%
2016 -2.691.610.000 47.43%
2017 -2.700.695.000 0.34%
2018 1.683.339.000 260.44%
2019 1.508.031.000 -11.62%
2020 5.449.001.000 72.32%
2021 3.763.563.000 -44.78%
2022 2.859.889.000 -31.6%
2023 -1.381.152.000 307.07%
2023 1.275.608.000 208.27%
2024 106.000 -1203303.77%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Alpha Services and Holdings S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 -974.329.000
2005 5.827.415.000 116.72%
2006 -942.368.000 718.38%
2007 -5.104.982.000 81.54%
2008 2.888.383.000 276.74%
2009 2.684.409.000 -7.6%
2010 -1.130.419.000 337.47%
2011 -722.347.000 -56.49%
2012 2.608.775.000 127.69%
2013 -4.432.365.000 158.86%
2014 -1.321.848.000 -235.32%
2015 -1.307.279.000 -1.11%
2016 -2.505.562.000 47.82%
2017 -2.555.120.000 1.94%
2018 1.857.453.000 237.56%
2019 1.752.801.000 -5.97%
2020 5.606.936.000 68.74%
2021 3.691.707.000 -51.88%
2022 3.000.101.000 -23.05%
2023 -1.381.152.000 317.22%
2023 1.425.857.000 196.86%
2024 24.653.000 -5683.71%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Alpha Services and Holdings S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 60.431.000
2005 59.489.000 -1.58%
2006 118.648.000 49.86%
2007 183.060.000 35.19%
2008 225.253.000 18.73%
2009 200.135.000 -12.55%
2010 106.382.000 -88.13%
2011 61.975.000 -71.65%
2012 68.248.000 9.19%
2013 127.139.000 46.32%
2014 83.863.000 -51.6%
2015 107.691.000 22.13%
2016 186.048.000 42.12%
2017 145.575.000 -27.8%
2018 174.114.000 16.39%
2019 244.770.000 28.87%
2020 157.935.000 -54.98%
2021 -71.856.000 319.79%
2022 140.212.000 151.25%
2023 0 0%
2023 150.249.000 100%
2024 24.547.000 -512.09%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Alpha Services and Holdings S.A. Equity
Year Equity Growth
2002 1.301.390.000
2003 2.254.286.000 42.27%
2004 2.476.586.000 8.98%
2005 3.122.684.000 20.69%
2006 3.613.667.000 13.59%
2007 4.291.264.000 15.79%
2008 3.940.697.000 -8.9%
2009 5.973.359.000 34.03%
2010 5.783.934.000 -3.28%
2011 1.966.248.000 -194.16%
2012 772.611.000 -154.49%
2013 8.367.735.000 90.77%
2014 7.706.550.000 -8.58%
2015 9.054.336.000 14.89%
2016 9.113.413.000 0.65%
2017 9.626.691.000 5.33%
2018 8.143.116.000 -18.22%
2019 8.475.590.000 3.92%
2020 8.333.193.000 -1.71%
2021 6.079.507.000 -37.07%
2022 6.277.456.000 3.15%
2023 6.977.356.000 10.03%
2023 6.923.311.000 -0.78%
2024 7.206.573.000 3.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Alpha Services and Holdings S.A. Assets
Year Assets Growth
2002 28.725.159.000
2003 30.802.887.000 6.75%
2004 32.916.655.000 6.42%
2005 44.007.046.000 25.2%
2006 49.799.660.000 11.63%
2007 54.684.289.000 8.93%
2008 65.269.954.000 16.22%
2009 69.596.047.000 6.22%
2010 66.798.315.000 -4.19%
2011 59.148.045.000 -12.93%
2012 58.357.325.000 -1.35%
2013 73.697.267.000 20.81%
2014 72.935.461.000 -1.04%
2015 69.296.234.000 -5.25%
2016 64.872.266.000 -6.82%
2017 60.813.025.000 -6.67%
2018 61.006.740.000 0.32%
2019 63.457.621.000 3.86%
2020 70.056.707.000 9.42%
2021 73.355.956.000 4.5%
2022 78.018.691.000 5.98%
2023 72.920.765.000 -6.99%
2023 73.662.810.000 1.01%
2024 74.738.236.000 1.44%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Alpha Services and Holdings S.A. Liabilities
Year Liabilities Growth
2002 0
2003 0 0%
2004 20.696.624.000 100%
2005 21.644.804.000 4.38%
2006 46.185.993.000 53.14%
2007 50.393.025.000 8.35%
2008 61.329.257.000 17.83%
2009 63.622.688.000 3.6%
2010 61.014.381.000 -4.27%
2011 57.181.797.000 -6.7%
2012 57.584.714.000 0.7%
2013 65.329.532.000 11.86%
2014 65.228.911.000 -0.15%
2015 60.241.898.000 -8.28%
2016 55.758.853.000 -8.04%
2017 51.186.334.000 -8.93%
2018 52.863.624.000 3.17%
2019 54.982.031.000 3.85%
2020 61.723.514.000 10.92%
2021 67.276.449.000 8.25%
2022 71.741.235.000 6.22%
2023 3.384.373.000 -2019.78%
2023 66.739.498.999 94.93%
2024 67.531.663.000 1.17%

Alpha Services and Holdings S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.41
Net Income per Share
0.27
Price to Earning Ratio
5.5x
Price To Sales Ratio
1.06x
POCF Ratio
2.79
PFCF Ratio
3.02
Price to Book Ratio
0.48
EV to Sales
2.87
EV Over EBITDA
32.23
EV to Operating CashFlow
7.6
EV to FreeCashFlow
8.16
Earnings Yield
0.18
FreeCashFlow Yield
0.33
Market Cap
3,48 Bil.
Enterprise Value
9,42 Bil.
Graham Number
4.33
Graham NetNet
-27.49

Income Statement Metrics

Net Income per Share
0.27
Income Quality
1.83
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.83
EBT Per Ebit
1.82
Ebit per Revenue
0.16
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.28
Operating Profit Margin
0.16
Pretax Profit Margin
0.29
Net Profit Margin
0.24

Dividends

Dividend Yield
0.02
Dividend Yield %
1.9
Payout Ratio
0.12
Dividend Per Share
0.03

Operating Metrics

Operating Cashflow per Share
0.53
Free CashFlow per Share
0.5
Capex to Operating CashFlow
0.07
Capex to Revenue
0.03
Capex to Depreciation
0.57
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
557.21
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.66
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.04

Balance Sheet

Cash per Share
1,92
Book Value per Share
3,09
Tangible Book Value per Share
2.9
Shareholders Equity per Share
3.09
Interest Debt per Share
5.45
Debt to Equity
1.5
Debt to Assets
0.14
Net Debt to EBITDA
20.32
Current Ratio
0.3
Tangible Asset Value
6,75 Bil.
Net Current Asset Value
-54,91 Bil.
Invested Capital
-28768593000
Working Capital
-29,72 Bil.
Intangibles to Total Assets
0.01
Average Receivables
5,08 Bil.
Average Payables
0,15 Bil.
Average Inventory
-11143869500
Debt to Market Cap
3.09

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Alpha Services and Holdings S.A. Dividends
Year Dividends Growth
2024 0

Alpha Services and Holdings S.A. Profile

About Alpha Services and Holdings S.A.

Alpha Services and Holdings S.A., together with its subsidiaries, provides various banking and financial products and services to individuals, professionals, and companies in Greece and internationally. It operates through Retail Banking, Corporate Banking, Asset Management and Insurance, Investment Banking and Treasury, South Eastern Europe, and Other segments. The company offers various deposit products, including deposits/savings accounts, working capital/current accounts, checking accounts, investment facilities/term deposits, repos, and swaps; loans comprising mortgage loans, consumer loans, working capital facilities, corporate loans, and letters of guarantee; and debit and credit cards. It also provides leasing and factoring services; asset management services; insurance products; stock exchange, advisory, and brokerage services relating to capital markets; investment banking facilities, as well as deals in interbank market activities and securitization transactions; and mobile and Web banking services. Further, the company provides in the real estate management and hotel services. As of December 31, 2021, it operated 450 branches. The company was founded in 1879 and is based in Athens, Greece.

CEO
Mr. Vassilios E. Psaltis Ph.D.
Employee
8.161
Address
40 Stadiou Street
Athens, 102 52

Alpha Services and Holdings S.A. Executives & BODs

Alpha Services and Holdings S.A. Executives & BODs
# Name Age
1 Iason Kepaptsoglou
Manager of Investor Relations Division
70
2 Ms. Fragiski G. Melissa
GM & Chief Human Resources Officer
70
3 Mr. Vassilios Kosmas
Chief Financial Officer
70
4 Mr. Konstantinos G. Sarafopoulos
Group's Chief Investment Officer
70
5 Mr. Xenofon D. Avlonitis
Chief of Compliance
70
6 Mr. Vassilios E. Psaltis Ph.D.
Chief Executive Officer & Executive Director
70
7 Kyriaki Ch. Inempolidi
Manager of Marketing and Public Relations Division
70
8 Mr. Nikolaos V. Salakas
Chief of Corporate Center & General Counsel
70
9 Mr. Spyridon P. Tzamtzis
Executive GM of IT & Chief Information Officer
70
10 Mr. Stefanos N. Mytilinaios
GM & Chief Operating Officer
70

Alpha Services and Holdings S.A. Competitors