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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM P/E Multiple | 8.7x - 9.6x | 9.2x |
| Selected Fwd P/E Multiple | 8.7x - 9.6x | 9.1x |
| Fair Value | Kč110.67 - Kč122.32 | Kč116.49 |
| Upside | -18.9% - -10.3% | -14.6% |
| Benchmarks | - | Full Ticker |
| OTP Bank Nyrt. | - | SEP:OTP |
| Capitec Bank Holdings Limited | - | JSE:CPI |
| Lion Finance Group PLC | - | DB:GEB |
| KBC Group NV | - | ENXTBR:KBC |
| Erste Group Bank AG | - | SEP:ERBAG |
| MONETA Money Bank, a.s. | - | SEP:MONET |
| - | - | - |
| Select Price / LTM EPS Ratio | ||||||||
| Benchmark Companies | ||||||||
| OTP | CPI | GEB | KBC | ERBAG | MONET | |||
| SEP:OTP | JSE:CPI | DB:GEB | ENXTBR:KBC | SEP:ERBAG | SEP:MONET | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 20.3% | 17.1% | 37.8% | 6.5% | 16.8% | 9.7% | ||
| 3Y CAGR | 32.2% | 17.2% | 50.7% | 9.1% | 19.0% | 17.1% | ||
| Latest Twelve Months | 4.2% | 30.1% | 78.0% | -0.2% | -5.9% | 20.5% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 35.0% | 36.3% | 59.7% | 29.4% | 31.4% | 42.1% | ||
| Prior Fiscal Year | 46.5% | 38.7% | 57.3% | 29.7% | 28.3% | 46.6% | ||
| Latest Fiscal Year | 41.4% | 38.4% | 71.4% | 30.4% | 27.7% | 50.6% | ||
| Latest Twelve Months | 41.4% | 38.4% | 71.4% | 30.4% | NA | 51.0% | ||
| Current Trading Multiples | ||||||||
| EV / LTM EBITDA | NA | NA | NA | NA | NA | NA | ||
| Price / LTM Sales | 2.8x | 11.0x | 2.8x | 3.0x | 2.1x | 5.4x | ||
| LTM P/E Ratio | 6.8x | 28.7x | 3.9x | 9.8x | 7.7x | 10.6x | ||
| Low | Mid | High | ||||||
| Benchmark LTM P/E Ratio | 3.9x | 7.7x | 28.7x | |||||
| Historical LTM P/E Ratio | 7.5x | 11.2x | 13.4x | |||||
| Selected P/E Multiple | 8.7x | 9.2x | 9.6x | |||||
| (x) LTM Net Income | 6,571 | 6,571 | 6,571 | |||||
| (=) Equity Value | 57,322 | 60,339 | 63,356 | |||||
| (/) Shares Outstanding | 511.0 | 511.0 | 511.0 | |||||
| Implied Value Range | 112.18 | 118.08 | 123.98 | |||||
| FX Rate: CZK/CZK | 1.0 | 1.0 | 1.0 | Market Price | ||||
| Implied Value Range (Trading Cur) | 112.18 | 118.08 | 123.98 | 136.40 | ||||
| Upside / (Downside) | -17.8% | -13.4% | -9.1% | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | OTP | CPI | GEB | KBC | ERBAG | MONET | |
| Value of Common Equity | 4,856,513 | 394,596 | 9,610 | 32,740 | 22,957 | 69,700 | |
| (/) Shares Outstanding | 273.0 | 115.8 | 43.2 | 396.6 | 388.1 | 511.0 | |
| Implied Stock Price | 17,792.67 | 3,406.90 | 222.36 | 82.56 | 59.15 | 136.40 | |
| FX Conversion Rate to Trading Currency | 16.18 | 1.00 | 3.11 | 1.00 | 0.04 | 1.00 | |
| Implied Stock Price (Trading Cur) | 1,100.00 | 3,406.90 | 71.50 | 82.56 | 1,475.00 | 136.40 | |
| Trading Currency | CZK | ZAR | EUR | EUR | CZK | CZK | |
| FX Rate to Reporting Currency | 16.18 | 1.00 | 3.11 | 1.00 | 0.04 | 1.00 | |