OTP Bank Nyrt. Fundamental Analysis
OTP Bank Nyrt. (OTPBF) shows strong financial fundamentals with a PE ratio of 0.03, profit margin of 23.25%, and ROE of 20.49%. The company generates $1714900.5B in annual revenue with strong year-over-year growth of 18.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 89.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze OTPBF's fundamental strength across five key dimensions:
Efficiency Score
WeakOTPBF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentOTPBF trades at attractive valuation levels.
Growth Score
ModerateOTPBF shows steady but slowing expansion.
Financial Health Score
ExcellentOTPBF maintains a strong and stable balance sheet.
Profitability Score
ExcellentOTPBF achieves industry-leading margins.
Key Financial Metrics
Is OTPBF Expensive or Cheap?
P/E Ratio
OTPBF trades at 0.03 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, OTPBF's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values OTP Bank Nyrt. at 0.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.80 times EBITDA. This is generally considered low.
How Well Does OTPBF Make Money?
Net Profit Margin
For every $100 in sales, OTP Bank Nyrt. keeps $23.25 as profit after all expenses.
Operating Margin
Core operations generate 28.54 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $20.49 in profit for every $100 of shareholder equity.
ROA
OTP Bank Nyrt. generates $2.35 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
OTP Bank Nyrt. generates strong operating cash flow of $1129.53T, reflecting robust business health.
Free Cash Flow
OTP Bank Nyrt. generates strong free cash flow of $1129.53T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $4196911.21 in free cash annually.
FCF Yield
OTPBF converts 28.28% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.005
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.33
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.95
vs 25 benchmark
Current Ratio
Current assets to current liabilities
17.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.20
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How OTPBF Stacks Against Its Sector Peers
| Metric | OTPBF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.03 | 19.38 | Better (Cheaper) |
| ROE | 20.49% | 804.00% | Weak |
| Net Margin | 23.25% | -7623.00% (disorted) | Strong |
| Debt/Equity | 0.95 | 1.07 | Neutral |
| Current Ratio | 17.06 | 609.22 | Strong Liquidity |
| ROA | 2.35% | -20946.00% (disorted) | Weak |
OTPBF outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews OTP Bank Nyrt.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
238.73%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
341.87%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-63.59%
Industry Style: Value, Dividend, Cyclical
Declining