Stock IKBA ISTARSKA KREDITNA BANKA UMAG D.D.
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Financials Istarska kreditna banka Umag d.d.

Equities

IKBA

HRIKBARA0008

Banks

End-of-day quote Zagreb S.E.
Other stock markets
 18:00:00 2024-05-22 EDT 		5-day change 1st Jan Change
438 EUR +2.82% Intraday chart for Istarska kreditna banka Umag d.d. +0.46% +15.87%
04-30 Istarska kreditna banka Umag d.d. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
02-28 Istarska kreditna banka Umag d.d. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 23.13 25.02 30.62 28.64 37.2 46.71
Enterprise Value (EV) 2 -719.9 -1,441 -711.8 -916.9 -1,463 -1,923
P/E ratio 0.88 x 1.05 x 1.02 x 0.93 x 1 x 1.12 x
Yield 44.8% 41.4% 36.2% 41.3% 31.8% 28.7%
Capitalization / Revenue 0.22 x 0.24 x 0.27 x 0.25 x 0.32 x 0.35 x
EV / Revenue -6.8 x -13.7 x -6.22 x -7.96 x -12.6 x -14.3 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.08 x 0.08 x 0.09 x 0.08 x 0.1 x 0.11 x
Nbr of stocks (in thousands) 148 148 148 148 148 148
Reference price 3 156.4 169.2 207.0 193.5 251.4 315.6
Announcement Date 18-02-26 19-03-01 20-04-29 21-04-27 22-04-19 23-04-28
1EUR in Million2HRK in Million3EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 105.9 105.1 114.4 115.1 115.8 134.4
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 31.89 28.94 36.67 37.64 45.46 50.76
Net income 1 26.27 23.89 29.99 30.74 37.24 41.55
Net margin 24.81% 22.73% 26.22% 26.7% 32.17% 30.92%
EPS 2 177.6 161.5 202.7 207.7 251.6 280.7
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 70.00 70.00 75.00 80.00 80.00 90.46
Announcement Date 18-02-26 19-03-01 20-04-29 21-04-27 22-04-19 23-04-28
1HRK in Million2HRK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 743 1,466 742 946 1,500 1,970
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.11% 7.87% 9.31% 8.85% 9.99% 10.4%
ROA (Net income/ Total Assets) 0.8% 0.69% 0.83% 0.82% 0.9% 0.85%
Assets 1 3,289 3,450 3,598 3,759 4,150 4,865
Book Value Per Share 2 2,006 2,096 2,259 2,434 2,605 2,799
Cash Flow per Share 2 5,297 5,725 5,195 6,679 10,651 13,701
Capex 1 8.22 - 2.92 3.02 1.5 3.68
Capex / Sales 7.76% - 2.55% 2.62% 1.29% 2.74%
Announcement Date 18-02-26 19-03-01 20-04-29 21-04-27 22-04-19 23-04-28
1HRK in Million2HRK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Banks

1st Jan change Capi.
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