Piraeus Financial Holdings S.A. Logo

Piraeus Financial Holdings S.A.

BPIRF

(1.8)
Stock Price

3,90 USD

1.38% ROA

15.06% ROE

4.54x PER

Market Cap.

4.765.486.848,19 USD

105.43% DER

1.79% Yield

29.25% NPM

Piraeus Financial Holdings S.A. Stock Analysis

Piraeus Financial 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.

Piraeus Financial Holdings S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.57x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (26%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 ROE

ROE in an average range (9.61%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.83%) 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 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

7 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

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

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-5) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Piraeus Financial 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.

Piraeus Financial Holdings S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

Piraeus Financial 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.

Piraeus Financial Holdings S.A. Revenue
Year Revenue Growth
2003 -116.767.467
2004 741.699.000 115.74%
2005 899.073.000 17.5%
2006 1.088.309.000 17.39%
2007 1.447.893.500 24.84%
2008 1.626.758.300 11%
2009 1.652.398.000 1.55%
2010 1.496.380.000 -10.43%
2011 -2.658.448.000 156.29%
2012 1.190.106.300 323.38%
2013 2.119.924.800 43.86%
2014 2.471.757.000 14.23%
2015 2.315.279.000 -6.76%
2016 2.275.278.000 -1.76%
2017 1.918.772.000 -18.58%
2018 1.864.000.000 -2.94%
2019 1.836.000.000 -1.53%
2020 1.878.000.000 2.24%
2021 2.312.000.000 18.77%
2022 2.301.000.000 -0.48%
2023 2.528.000.000 8.98%
2023 3.457.000.000 26.87%
2024 4.044.000.000 14.52%

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.

Piraeus Financial Holdings S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 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.

Piraeus Financial Holdings S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 306.858.784
2004 132.610.000 -131.4%
2005 153.351.000 13.53%
2006 113.797.000 -34.76%
2007 143.433.000 20.66%
2008 154.559.000 7.2%
2009 150.269.000 -2.85%
2010 145.304.000 -3.42%
2011 125.560.000 -15.72%
2012 165.911.000 24.32%
2013 229.646.000 27.75%
2014 223.075.000 -2.95%
2015 210.294.000 -6.08%
2016 221.120.000 4.9%
2017 203.311.000 -8.76%
2018 186.000.000 -9.31%
2019 199.000.000 6.53%
2020 251.000.000 20.72%
2021 257.000.000 2.33%
2022 178.000.000 -44.38%
2023 312.000.000 42.95%
2023 315.000.000 0.95%
2024 292.000.000 -7.88%

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.

Piraeus Financial Holdings S.A. EBITDA
Year EBITDA Growth
2003 173.762.204
2004 196.484.000 11.56%
2005 332.711.000 40.94%
2006 590.167.000 43.62%
2007 822.057.000 28.21%
2008 446.587.000 -84.08%
2009 375.540.000 -18.92%
2010 106.380.000 -253.02%
2011 -7.429.929.000 101.43%
2012 -1.057.973.000 -602.28%
2013 1.888.521.000 156.02%
2014 -2.890.194.000 165.34%
2015 -2.855.950.000 -1.2%
2016 -93.649.000 -2949.63%
2017 -1.303.275.000 92.81%
2018 -149.000.000 -774.68%
2019 525.000.000 128.38%
2020 -416.000.000 226.2%
2021 -2.583.000.000 83.89%
2022 1.198.000.000 315.61%
2023 640.000.000 -87.19%
2023 93.000.000 -588.17%
2024 -56.000.000 266.07%

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.

Piraeus Financial Holdings S.A. Gross Profit
Year Gross Profit Growth
2003 -116.767.467
2004 741.699.000 115.74%
2005 899.073.000 17.5%
2006 1.088.309.000 17.39%
2007 1.447.893.500 24.84%
2008 1.626.758.300 11%
2009 1.652.398.000 1.55%
2010 1.496.380.000 -10.43%
2011 -2.658.448.000 156.29%
2012 1.190.106.300 323.38%
2013 2.119.924.800 43.86%
2014 2.471.757.000 14.23%
2015 2.315.279.000 -6.76%
2016 2.275.278.000 -1.76%
2017 1.918.772.000 -18.58%
2018 1.864.000.000 -2.94%
2019 1.836.000.000 -1.53%
2020 1.878.000.000 2.24%
2021 2.312.000.000 18.77%
2022 2.301.000.000 -0.48%
2023 2.528.000.000 8.98%
2023 3.457.000.000 26.87%
2024 2.904.000.000 -19.04%

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.

Piraeus Financial Holdings S.A. Net Profit
Year Net Profit Growth
2003 123.722.200
2004 127.334.000 2.84%
2005 263.773.000 51.73%
2006 434.649.000 39.31%
2007 622.141.000 30.14%
2008 315.087.000 -97.45%
2009 201.749.000 -56.18%
2010 -20.474.000 1085.39%
2011 -6.622.102.000 99.69%
2012 -500.257.000 -1223.74%
2013 2.530.230.000 119.77%
2014 -1.978.899.000 227.86%
2015 -1.899.166.000 -4.2%
2016 -45.294.000 -4092.97%
2017 -200.176.000 77.37%
2018 -159.000.000 -25.9%
2019 279.000.000 156.99%
2020 -662.000.000 142.15%
2021 -3.013.000.000 78.03%
2022 950.000.000 417.16%
2023 476.000.000 -99.58%
2023 788.000.000 39.59%
2024 1.320.000.000 40.3%

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.

Piraeus Financial Holdings S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 120.352
2004 106.377 -13.14%
2005 173.193 38.58%
2006 268.633 35.53%
2007 365.535 26.51%
2008 166.712 -119.26%
2009 106.520 -56.51%
2010 -10.441 1120.31%
2011 -2.020.165 99.48%
2012 -143.628 -1306.53%
2013 29.421 588.18%
2014 -11.160 363.63%
2015 -282 -3857.45%
2016 -2 -28100%
2017 -8 85.71%
2018 -3 -133.33%
2019 11 130%
2020 -413 102.43%
2021 -4 -13633.33%
2022 1 0%
2023 0 0%
2023 1 0%
2024 1 100%

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.

Piraeus Financial Holdings S.A. Free Cashflow
Year Free Cashflow Growth
2004 -720.699.000
2005 295.208.000 344.13%
2006 -418.272.000 170.58%
2007 -2.722.400.000 84.64%
2008 3.386.800.000 180.38%
2009 2.154.072.000 -57.23%
2010 3.875.475.000 44.42%
2011 -452.545.000 956.37%
2012 -2.296.685.000 80.3%
2013 -5.161.969.000 55.51%
2014 706.850.000 830.28%
2015 -620.193.000 213.97%
2016 -16.225.000 -3722.45%
2017 1.969.932.000 100.82%
2018 -884.000.000 322.84%
2019 -782.000.000 -13.04%
2020 6.204.000.000 112.6%
2021 3.620.000.000 -71.38%
2022 -7.072.000.000 151.19%
2023 2.332.000.000 403.26%
2023 1.273.000.000 -83.19%
2024 965.000.000 -31.92%

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.

Piraeus Financial Holdings S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 -690.061.000
2005 534.919.000 229%
2006 -200.954.000 366.19%
2007 -2.367.905.000 91.51%
2008 3.746.167.000 163.21%
2009 2.438.666.000 -53.62%
2010 4.097.684.000 40.49%
2011 -241.350.000 1797.82%
2012 -1.974.374.000 87.78%
2013 -4.879.064.000 59.53%
2014 1.066.569.000 557.45%
2015 -326.119.000 427.05%
2016 333.290.000 197.85%
2017 2.220.033.000 84.99%
2018 -705.000.000 414.9%
2019 -678.000.000 -3.98%
2020 6.286.000.000 110.79%
2021 3.747.000.000 -67.76%
2022 -6.903.000.000 154.28%
2023 2.500.000.000 376.12%
2023 1.307.000.000 -91.28%
2024 1.039.000.000 -25.79%

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.

Piraeus Financial Holdings S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 30.638.000
2005 239.711.000 87.22%
2006 217.318.000 -10.3%
2007 354.495.000 38.7%
2008 359.367.000 1.36%
2009 284.594.000 -26.27%
2010 222.209.000 -28.07%
2011 211.195.000 -5.22%
2012 322.311.000 34.47%
2013 282.905.000 -13.93%
2014 359.719.000 21.35%
2015 294.074.000 -22.32%
2016 349.515.000 15.86%
2017 250.101.000 -39.75%
2018 179.000.000 -39.72%
2019 104.000.000 -72.12%
2020 82.000.000 -26.83%
2021 127.000.000 35.43%
2022 169.000.000 24.85%
2023 168.000.000 -0.6%
2023 34.000.000 -394.12%
2024 74.000.000 54.05%

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.

Piraeus Financial Holdings S.A. Equity
Year Equity Growth
2003 1.015.921.010
2004 1.269.444.000 19.97%
2005 1.607.659.000 21.04%
2006 1.832.420.000 12.27%
2007 3.309.580.000 44.63%
2008 3.025.200.000 -9.4%
2009 3.614.236.000 16.3%
2010 3.273.731.000 -10.4%
2011 -1.939.839.000 268.76%
2012 -2.315.505.000 16.22%
2013 8.542.899.000 127.1%
2014 7.322.242.000 -16.67%
2015 10.020.526.000 26.93%
2016 9.823.738.000 -2%
2017 9.544.197.000 -2.93%
2018 7.506.000.000 -27.15%
2019 7.774.000.000 3.45%
2020 7.153.000.000 -8.68%
2021 5.803.000.000 -23.26%
2022 6.581.000.000 11.82%
2023 6.754.000.000 2.56%
2023 6.850.000.000 1.4%
2024 7.204.000.000 4.91%

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.

Piraeus Financial Holdings S.A. Assets
Year Assets Growth
2003 14.408.260.109
2004 1.269.444.000 -1035.01%
2005 1.607.659.000 21.04%
2006 30.931.216.000 94.8%
2007 46.427.340.000 33.38%
2008 54.889.856.000 15.42%
2009 54.279.791.000 -1.12%
2010 57.680.295.000 5.9%
2011 49.352.308.000 -16.87%
2012 70.406.161.000 29.9%
2013 92.009.592.000 23.48%
2014 89.289.696.000 -3.05%
2015 87.528.216.000 -2.01%
2016 81.500.534.000 -7.4%
2017 67.416.562.000 -20.89%
2018 61.880.000.000 -8.95%
2019 61.231.000.000 -1.06%
2020 71.576.000.000 14.45%
2021 79.789.000.000 10.29%
2022 75.661.000.000 -5.46%
2023 76.450.000.000 1.03%
2023 76.983.000.000 0.69%
2024 76.626.000.000 -0.47%

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.

Piraeus Financial Holdings S.A. Liabilities
Year Liabilities Growth
2003 223.281.674
2004 2.713.085.000 91.77%
2005 4.778.913.000 43.23%
2006 29.098.796.000 83.58%
2007 43.117.760.000 32.51%
2008 51.864.656.000 16.86%
2009 50.665.555.000 -2.37%
2010 54.406.564.000 6.88%
2011 51.292.147.000 -6.07%
2012 72.721.666.000 29.47%
2013 83.466.693.000 12.87%
2014 81.967.454.000 -1.83%
2015 77.507.690.000 -5.75%
2016 71.676.796.000 -8.13%
2017 57.872.365.000 -23.85%
2018 54.374.000.000 -6.43%
2019 53.457.000.000 -1.72%
2020 64.423.000.000 17.02%
2021 73.986.000.000 12.93%
2022 69.080.000.000 -7.1%
2023 69.696.000.000 0.88%
2023 1.774.000.000 -3828.75%
2024 69.422.000.000 97.44%

Piraeus Financial Holdings S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.88
Net Income per Share
0.84
Price to Earning Ratio
4.54x
Price To Sales Ratio
1.33x
POCF Ratio
1.16
PFCF Ratio
1.23
Price to Book Ratio
0.67
EV to Sales
0.58
EV Over EBITDA
5.52
EV to Operating CashFlow
0.51
EV to FreeCashFlow
0.54
Earnings Yield
0.22
FreeCashFlow Yield
0.81
Market Cap
4,77 Bil.
Enterprise Value
2,09 Bil.
Graham Number
10.43
Graham NetNet
-48.54

Income Statement Metrics

Net Income per Share
0.84
Income Quality
3.55
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.72
EBT Per Ebit
1.23
Ebit per Revenue
0.33
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.82
Operating Profit Margin
0.33
Pretax Profit Margin
0.41
Net Profit Margin
0.29

Dividends

Dividend Yield
0.02
Dividend Yield %
1.79
Payout Ratio
0
Dividend Per Share
0.07

Operating Metrics

Operating Cashflow per Share
3.29
Free CashFlow per Share
3.11
Capex to Operating CashFlow
0.05
Capex to Revenue
0.06
Capex to Depreciation
1.94
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
7,19
Book Value per Share
5,78
Tangible Book Value per Share
5.49
Shareholders Equity per Share
5.74
Interest Debt per Share
6.7
Debt to Equity
1.05
Debt to Assets
0.1
Net Debt to EBITDA
-7.05
Current Ratio
0.2
Tangible Asset Value
6,84 Bil.
Net Current Asset Value
-59,67 Bil.
Invested Capital
-37162000000
Working Capital
-38,33 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.58

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.

Piraeus Financial Holdings S.A. Dividends
Year Dividends Growth
2024 0

Piraeus Financial Holdings S.A. Profile

About Piraeus Financial Holdings S.A.

Piraeus Financial Holdings S.A. provides banking products and services in Greece and internationally. It operates through Retail Banking, Corporate Banking, Piraeus Financial Markets, and Other segments. The company offers time, structured, deposit, saving, current, and business accounts; mortgage, consumer, personal, home improvement, farming, restructuring, and working capital loans; overdrafts; credit, debit, contract farming, and prepaid cards; mutual funds, treasury bonds, equities, dual currency deposits, treasury interest-bearing notes, asset management solutions, and gold sovereigns and gold bars; and car, home, civil liability, health, endowment, accident/life, lifestyle, agricultural, photovoltaic park, trade credit, business premises, and corporate insurances. It also provides financial planning, payment/remittance, bills of exchange collection, cash management, import-export settlement, payroll, foreign exchange, risk management, letters of guarantee, factoring, leasing, and Web banking services. The company offers infrastructure advisory, project and real estate finance, remote banking service, group life and health and electronic and cyber risks insurance programs, debt collection, and contract farming. It operates 414 branches in Greece and another 16 branches in 2 countries. Piraeus Financial Holdings S.A. was formerly known as Piraeus Bank S.A. The company was founded in 1916 and is based in Athens, Greece.

CEO
Mr. Christos Loannis Megalou
Employee
7.906
Address
4, Amerikis Street
Athens, 105 64

Piraeus Financial Holdings S.A. Executives & BODs

Piraeus Financial Holdings S.A. Executives & BODs
# Name Age
1 Ms. Chryssanthi Berbati
GM and Head of Business Planning, IR & ESG
70
2 Mr. Theodore Tzouros
Executive GM & Chief of Corporate and Investment Banking
70
3 Ms. Lydia Papadopoulou
Company Secretary
70
4 Mr. Christos Loannis Megalou
MD, Chief Executive Officer & Executive Director
70
5 Mr. Vasileios Dimitrios Koutentakis
Executive General Manager of Retail Banking & Distribution Networks and Executive Director
70
6 Mr. Theodoros Ch. Gnardellis
Executive General Manager & Group Chief Financial Officer
70
7 Mr. Panagiotis Vlachopoulos
Chief Investment Officer
70
8 Mr. Georgios Ioannis Liakopoulos
Group General Counsel
70
9 Mr. Charalampos Margaritis
GM & Group Chief Operating Officer
70

Piraeus Financial Holdings S.A. Competitors