OTP Bank Nyrt. Logo

OTP Bank Nyrt.

OTP.BD

(2.8)
Stock Price

18.580,00 HUF

2.47% ROA

26.29% ROE

4.8x PER

Market Cap.

4.716.238.510.080,00 HUF

68.69% DER

1.78% Yield

38.12% NPM

OTP Bank Nyrt. Stock Analysis

OTP Bank Nyrt. 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.

OTP Bank Nyrt. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (25.65%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROA

The stock's ROA (2.4%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.06x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock has a reasonable amount of debt compared to its ownership (65%), suggesting a balanced financial position and a moderate level of risk.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (74.528) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 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.

OTP Bank Nyrt. 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.

OTP Bank Nyrt. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

OTP Bank Nyrt. 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.

OTP Bank Nyrt. Revenue
Year Revenue Growth
2005 493.656.000.000
2006 568.401.000.000 13.15%
2007 723.904.000.000 21.48%
2008 791.042.000.000 8.49%
2009 781.949.000.000 -1.16%
2010 816.573.000.000 4.24%
2011 866.556.000.000 5.77%
2012 829.324.000.000 -4.49%
2013 912.806.000.000 9.15%
2014 1.029.141.000.000 11.3%
2015 877.982.000.000 -17.22%
2016 823.589.000.000 -6.6%
2017 882.029.000.000 6.63%
2018 975.606.000.000 9.59%
2019 1.125.848.000.000 13.34%
2020 1.228.697.000.000 8.37%
2021 1.393.868.000.000 11.85%
2022 1.737.794.000.000 19.79%
2023 2.460.232.000.000 29.36%

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.

OTP Bank Nyrt. Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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.

OTP Bank Nyrt. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 35.000.000.000
2006 39.509.000.000 11.41%
2007 67.857.000.000 41.78%
2008 116.783.000.000 41.89%
2009 99.713.000.000 -17.12%
2010 95.322.000.000 -4.61%
2011 102.341.000.000 6.86%
2012 104.263.000.000 1.84%
2013 110.096.000.000 5.3%
2014 108.526.000.000 -1.45%
2015 110.881.000.000 2.12%
2016 114.040.000.000 2.77%
2017 118.999.000.000 4.17%
2018 137.980.000.000 13.76%
2019 158.982.000.000 13.21%
2020 180.125.000.000 11.74%
2021 193.950.000.000 7.13%
2022 464.997.000.000 58.29%
2023 422.748.000.000 -9.99%

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.

OTP Bank Nyrt. EBITDA
Year EBITDA Growth
2005 375.734.000.000
2006 431.894.000.000 13%
2007 599.527.000.000 27.96%
2008 850.555.000.000 29.51%
2009 847.832.000.000 -0.32%
2010 707.715.000.000 -19.8%
2011 656.418.000.000 -7.81%
2012 790.683.000.000 16.98%
2013 567.982.000.000 -39.21%
2014 163.485.000.000 -247.42%
2015 357.897.000.000 54.32%
2016 450.542.000.000 20.56%
2017 484.392.000.000 6.99%
2018 536.780.000.000 9.76%
2019 545.675.000.000 1.63%
2020 385.219.000.000 -41.65%
2021 628.036.000.000 38.66%
2022 1.431.063.000.000 56.11%
2023 1.441.080.000.000 0.7%

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.

OTP Bank Nyrt. Gross Profit
Year Gross Profit Growth
2005 493.656.000.000
2006 568.401.000.000 13.15%
2007 723.904.000.000 21.48%
2008 791.042.000.000 8.49%
2009 781.949.000.000 -1.16%
2010 816.573.000.000 4.24%
2011 866.556.000.000 5.77%
2012 829.324.000.000 -4.49%
2013 912.806.000.000 9.15%
2014 1.029.141.000.000 11.3%
2015 877.982.000.000 -17.22%
2016 823.589.000.000 -6.6%
2017 882.029.000.000 6.63%
2018 975.606.000.000 9.59%
2019 1.125.848.000.000 13.34%
2020 1.228.697.000.000 8.37%
2021 1.393.868.000.000 11.85%
2022 1.737.794.000.000 19.79%
2023 2.460.232.000.000 29.36%

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.

OTP Bank Nyrt. Net Profit
Year Net Profit Growth
2005 158.235.000.000
2006 187.051.000.000 15.41%
2007 208.208.000.000 10.16%
2008 240.472.000.000 13.42%
2009 151.045.000.000 -59.21%
2010 117.930.000.000 -28.08%
2011 83.147.000.000 -41.83%
2012 121.690.000.000 31.67%
2013 64.199.000.000 -89.55%
2014 -101.985.000.000 162.95%
2015 63.583.000.000 260.4%
2016 202.210.000.000 68.56%
2017 281.142.000.000 28.08%
2018 318.233.000.000 11.66%
2019 416.909.000.000 23.67%
2020 259.458.000.000 -60.68%
2021 455.592.000.000 43.05%
2022 346.354.000.000 -31.54%
2023 1.121.560.000.000 69.12%

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.

OTP Bank Nyrt. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 302
2006 361 16.62%
2007 398 9.3%
2008 1.876 78.78%
2009 1.154 -62.56%
2010 886 -30.25%
2011 624 -41.99%
2012 457 -36.54%
2013 241 -89.63%
2014 -382 163.25%
2015 242 257.44%
2016 765 68.37%
2017 1.074 28.77%
2018 1.215 11.6%
2019 1.594 23.73%
2020 1.004 -58.67%
2021 1.738 42.23%
2022 1.322 -31.57%
2023 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.

OTP Bank Nyrt. Free Cashflow
Year Free Cashflow Growth
2005 245.824.000.000
2006 181.058.000.000 -35.77%
2007 184.257.000.000 1.74%
2008 415.084.000.000 55.61%
2009 474.772.000.000 12.57%
2010 77.511.000.000 -512.52%
2011 340.640.000.000 77.25%
2012 837.114.000.000 59.31%
2013 283.751.000.000 -195.02%
2014 1.447.586.000.000 80.4%
2015 439.172.000.000 -229.62%
2016 403.701.000.000 -8.79%
2017 366.321.000.000 -10.2%
2018 83.173.000.000 -340.43%
2019 456.822.000.000 81.79%
2020 1.280.702.000.000 64.33%
2021 1.172.667.000.000 -9.21%
2022 873.437.000.000 -34.26%
2023 322.033.000.000 -171.23%

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.

OTP Bank Nyrt. Operating Cashflow
Year Operating Cashflow Growth
2005 279.404.000.000
2006 219.108.000.000 -27.52%
2007 251.001.000.000 12.71%
2008 468.210.000.000 46.39%
2009 526.570.000.000 11.08%
2010 170.144.000.000 -209.48%
2011 451.057.000.000 62.28%
2012 900.241.000.000 49.9%
2013 343.037.000.000 -162.43%
2014 1.418.781.000.000 75.82%
2015 489.548.000.000 -189.81%
2016 475.276.000.000 -3%
2017 497.349.000.000 4.44%
2018 187.372.000.000 -165.43%
2019 724.474.000.000 74.14%
2020 1.416.832.000.000 48.87%
2021 1.473.382.000.000 3.84%
2022 1.148.454.000.000 -28.29%
2023 322.033.000.000 -256.63%

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.

OTP Bank Nyrt. Capital Expenditure
Year Capital Expenditure Growth
2005 33.580.000.000
2006 38.050.000.000 11.75%
2007 66.744.000.000 42.99%
2008 53.126.000.000 -25.63%
2009 51.798.000.000 -2.56%
2010 92.633.000.000 44.08%
2011 110.417.000.000 16.11%
2012 63.127.000.000 -74.91%
2013 59.286.000.000 -6.48%
2014 -28.805.000.000 305.82%
2015 50.376.000.000 157.18%
2016 71.575.000.000 29.62%
2017 131.028.000.000 45.37%
2018 104.199.000.000 -25.75%
2019 267.652.000.000 61.07%
2020 136.130.000.000 -96.62%
2021 300.715.000.000 54.73%
2022 275.017.000.000 -9.34%
2023 0 0%

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.

OTP Bank Nyrt. Equity
Year Equity Growth
2005 546.981.000.000
2006 785.103.000.000 30.33%
2007 890.224.000.000 11.81%
2008 1.042.186.000.000 14.58%
2009 1.185.454.000.000 12.09%
2010 1.303.041.000.000 9.02%
2011 1.412.709.000.000 7.76%
2012 1.508.770.000.000 6.37%
2013 1.504.565.000.000 -0.28%
2014 1.260.817.000.000 -19.33%
2015 1.231.008.000.000 -2.42%
2016 1.417.357.000.000 13.15%
2017 1.636.590.000.000 13.4%
2018 1.826.657.000.000 10.41%
2019 2.291.288.000.000 20.28%
2020 2.537.112.000.000 9.69%
2021 3.036.766.000.000 16.45%
2022 3.322.312.000.000 8.59%
2023 4.006.741.000.000 17.08%

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.

OTP Bank Nyrt. Assets
Year Assets Growth
2005 5.215.902.000.000
2006 7.097.426.000.000 26.51%
2007 8.461.874.000.000 16.12%
2008 9.379.436.000.000 9.78%
2009 9.755.132.000.000 3.85%
2010 9.780.946.000.000 0.26%
2011 10.200.527.000.000 4.11%
2012 10.113.466.000.000 -0.86%
2013 10.381.047.000.000 2.58%
2014 10.971.052.000.000 5.38%
2015 10.718.848.000.000 -2.35%
2016 11.307.665.000.000 5.21%
2017 13.190.228.000.000 14.27%
2018 14.590.288.000.000 9.6%
2019 20.121.767.000.000 27.49%
2020 23.335.841.000.000 13.77%
2021 27.553.384.000.000 15.31%
2022 32.804.210.000.000 16.01%
2023 39.574.032.000.000 17.11%

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.

OTP Bank Nyrt. Liabilities
Year Liabilities Growth
2005 4.668.430.000.000
2006 6.309.213.000.000 26.01%
2007 7.566.297.000.000 16.61%
2008 8.330.465.000.000 9.17%
2009 8.563.526.000.000 2.72%
2010 8.472.017.000.000 -1.08%
2011 8.782.217.000.000 3.53%
2012 8.598.913.000.000 -2.13%
2013 8.871.715.000.000 3.07%
2014 9.706.886.000.000 8.6%
2015 9.485.189.000.000 -2.34%
2016 9.887.016.000.000 4.06%
2017 11.550.173.000.000 14.4%
2018 12.763.631.000.000 9.51%
2019 17.830.479.000.000 28.42%
2020 20.798.729.000.000 14.27%
2021 24.516.618.000.000 15.16%
2022 29.481.898.000.000 16.84%
2023 2.746.836.000.000 -973.3%

OTP Bank Nyrt. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9871.19
Net Income per Share
3518.86
Price to Earning Ratio
4.8x
Price To Sales Ratio
1.73x
POCF Ratio
-5.98
PFCF Ratio
-6.05
Price to Book Ratio
1.17
EV to Sales
-0.22
EV Over EBITDA
-0.3
EV to Operating CashFlow
0.76
EV to FreeCashFlow
0.76
Earnings Yield
0.21
FreeCashFlow Yield
-0.17
Market Cap
4.716,24 Bil.
Enterprise Value
-594,77 Bil.
Graham Number
33865.16
Graham NetNet
19238.32

Income Statement Metrics

Net Income per Share
3518.86
Income Quality
-0.8
ROE
0.27
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.82
EBT Per Ebit
0.77
Ebit per Revenue
0.6
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.18
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.6
Pretax Profit Margin
0.46
Net Profit Margin
0.38

Dividends

Dividend Yield
0.02
Dividend Yield %
1.78
Payout Ratio
0
Dividend Per Share
300.16

Operating Metrics

Operating Cashflow per Share
-2822.91
Free CashFlow per Share
-2822.91
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.24
Return on Tangible Assets
0.02
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

Balance Sheet

Cash per Share
29.188,31
Book Value per Share
14.485,13
Tangible Book Value per Share
133400.85
Shareholders Equity per Share
14485.13
Interest Debt per Share
15503.17
Debt to Equity
0.69
Debt to Assets
0.07
Net Debt to EBITDA
-2.71
Current Ratio
0
Tangible Asset Value
36.569,81 Bil.
Net Current Asset Value
5.311,01 Bil.
Invested Capital
0.69
Working Capital
8.057,85 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.58

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.

OTP Bank Nyrt. Dividends
Year Dividends Growth
2002 28
2004 64 57.81%
2005 157 58.97%
2006 211 25.71%
2007 145 -44.83%
2011 73 -98.63%
2012 102 27.72%
2013 122 16.53%
2014 147 17.12%
2015 147 0.68%
2016 167 11.98%
2017 192 13.02%
2018 221 13.12%
2019 221 -0.45%
2022 430 48.84%
2023 300 -43.33%

OTP Bank Nyrt. Profile

About OTP Bank Nyrt.

OTP Bank Nyrt., together with its subsidiaries, provides commercial banking services to retail clients, corporations and agricultural enterprises, and private and institutional investors in Hungary and internationally. It offers current, foreign currency, securities, long term investment, and retirement savings accounts; bank and business cards; agricultural, mortgage, and housing loans, as well as overdraft facilities; and invests in government and fixed income bonds, mutual funds, mortgages, shares, and certificates, stock exchange transaction orders, investment fund shares, and government securities. The company also provides cash management services, such as domestic and international transfers, batch payments, liquidity and savings management, and financing; real estate development, leasing, and management services; wealth planning, commercial factoring, refinancing, finance lease, housing savings, fund management, and e-services; and Internet, mobile phone, SMS, telephone, and private banking services. As of December 31, 2021, it operated through a network of 1,455 branches and 4,697 ATMs. The company was incorporated in 1949 and is based in Budapest, Hungary.

CEO
Dr. Sandor Csanyi
Employee
39.407
Address
16, NAdor Street
Budapest, 1051

OTP Bank Nyrt. Executives & BODs

OTP Bank Nyrt. Executives & BODs
# Name Age
1 Dr. Sandor Csanyi
Chairman, Chief Executive Officer & MD of Group Governance Directorate
70
2 Dr. Balint Csere
Chief Legal Adviser & MD of Legal Directorate
70
3 Dr. Zoard Gazmar
Managing Director of Compliance Directorate
70
4 Zoltán Péter Nagy
Marketing & Communication Directorate and Marketing Manager
70
5 Mr. Imre Bertalan
MD of Human and Organization Development Directorate & HR Manager
70
6 Mr. András Michnai
Member of the Supervisory Board & MD
70
7 Mr. Laszlo Wolf
Deputy Chief Executive Officer of Commercial Banking Division & Executive Director
70
8 Mr. Laszlo Bencsik
Deputy Chief Executive Officer of Strategy and Finance Division and Chief Strategy & Finance Officer
70
9 Zoltan Tuboly
Chief Accountant and MD of Accounting & Finance Directorate
70
10 Mr. Pataki Sándor
Investor Relations Officer
70

OTP Bank Nyrt. Competitors