National Bank of Greece S.A.
National Bank of Greece S.A. Fundamental Analysis
National Bank of Greece S.A. (NBGRY) shows strong financial fundamentals with a PE ratio of 12.82, profit margin of 35.92%, and ROE of 12.53%. The company generates $3.0B in annual revenue with strong year-over-year growth of 11.06%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze NBGRY's fundamental strength across five key dimensions:
Efficiency Score
WeakNBGRY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNBGRY trades at attractive valuation levels.
Growth Score
ModerateNBGRY shows steady but slowing expansion.
Financial Health Score
ExcellentNBGRY maintains a strong and stable balance sheet.
Profitability Score
ModerateNBGRY maintains healthy but balanced margins.
Key Financial Metrics
Is NBGRY Expensive or Cheap?
P/E Ratio
NBGRY trades at 12.82 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, NBGRY's PEG of 1.59 indicates fair valuation.
Price to Book
The market values National Bank of Greece S.A. at 1.58 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.45 times EBITDA. This is generally considered low.
How Well Does NBGRY Make Money?
Net Profit Margin
For every $100 in sales, National Bank of Greece S.A. keeps $35.92 as profit after all expenses.
Operating Margin
Core operations generate 49.80 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.53 in profit for every $100 of shareholder equity.
ROA
National Bank of Greece S.A. generates $1.41 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 $2.79B, reflecting robust business health.
Free Cash Flow
National Bank of Greece S.A. generates strong free cash flow of $2.30B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.55 in free cash annually.
FCF Yield
NBGRY converts 17.49% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.82
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.59
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.58
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.47
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.49
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.88
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
0.02
vs 25 benchmark
How NBGRY Stacks Against Its Sector Peers
| Metric | NBGRY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.82 | 19.11 | Better (Cheaper) |
| ROE | 12.53% | 821.00% | Weak |
| Net Margin | 35.92% | 1655.00% | Weak |
| Debt/Equity | 0.49 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.88 | 659.22 | Neutral |
| ROA | 1.41% | 1976.00% | Weak |
NBGRY outperforms its industry in 2 out of 6 key metrics, 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
174.00%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
555.27%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
207.50%
Industry Style: Value, Dividend, Cyclical
High Growth