National Bank of Greece S.A. Fundamental Analysis
National Bank of Greece S.A. (NBGIF) shows moderate financial fundamentals with a PE ratio of 13.95, profit margin of 40.82%, and ROE of 13.43%. The company generates $2.3B in annual revenue with weak year-over-year growth of -22.03%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 15.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NBGIF's fundamental strength across five key dimensions:
Efficiency Score
WeakNBGIF struggles to generate sufficient returns from assets.
Valuation Score
ModerateNBGIF shows balanced valuation metrics.
Growth Score
WeakNBGIF faces weak or negative growth trends.
Financial Health Score
WeakNBGIF carries high financial risk with limited liquidity.
Profitability Score
ModerateNBGIF maintains healthy but balanced margins.
Key Financial Metrics
Is NBGIF Expensive or Cheap?
P/E Ratio
NBGIF trades at 13.95 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NBGIF's PEG of 4.82 indicates potential overvaluation.
Price to Book
The market values National Bank of Greece S.A. at 1.82 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.07 times EBITDA. This is generally considered low.
How Well Does NBGIF Make Money?
Net Profit Margin
For every $100 in sales, National Bank of Greece S.A. keeps $40.82 as profit after all expenses.
Operating Margin
Core operations generate 50.92 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.43 in profit for every $100 of shareholder equity.
ROA
National Bank of Greece S.A. generates $1.46 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
National Bank of Greece S.A. generates strong operating cash flow of $1.28B, reflecting robust business health.
Free Cash Flow
National Bank of Greece S.A. generates strong free cash flow of $960.65M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.07 in free cash annually.
FCF Yield
NBGIF converts 9.44% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.82
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.82
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.42
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.27
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How NBGIF Stacks Against Its Sector Peers
| Metric | NBGIF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.95 | 19.38 | Better (Cheaper) |
| ROE | 13.43% | 804.00% | Weak |
| Net Margin | 40.82% | -7645.00% (disorted) | Strong |
| Debt/Equity | 1.27 | 1.07 | Neutral |
| Current Ratio | 0.09 | 609.22 | Weak Liquidity |
| ROA | 1.46% | -20999.00% (disorted) | Weak |
NBGIF outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews National Bank of Greece S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-8.63%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
3414.58%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-87.73%
Industry Style: Value, Dividend, Cyclical
Declining