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Market Price

37.56 

-0.10 -0.3%

as of Jul 15 '19

52 Week Range:

29.78 41.36


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

OTP Bank Nyrt. together with its subsidiaries, provides commercial banking services in Hungary, Bulgaria, Russia, Ukraine, Croatia, Romania, Slovakia, Serbia, and Montenegro. The company's retail banking services include retail current account packages and foreign currency accounts; bankcards; securities accounts, long term investment accounts, retirement savings accounts, and wealth planning services; and telephone, mobile phone, or Internet banking services. It also offers corporate banking services, including account keeping and opening services; cash management services, such as domestic and international transfers, batch payments, liquidity management, savings management, and financing; business cards; financing services comprising market-rated loans, bank guarantees, factoring, forfeiting, bills of exchange, leasing, project finance, syndicated lending, subsidized loans, corporate home loans, export and import loans, agricultural loans, and European Union grants; investments, including securities accounts, stock exchange transaction orders, investment fund shares, and government securities; treasury services; and e-services. In addition, the company provides mortgage lending, finance leasing, refinancing, house savings and loan, work-out, and life annuity services, as well as develops, leases, and manages real estate properties. It offers its services through a network of 1,411 branches. OTP Bank Nyrt. was founded in 1949 and is based in Budapest, Hungary.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 15.14
14.98
18.56
19.57
15.90
14.92
15.94
18.30
19.80
growth rate -1.1% 23.9% 5.4% -18.8% -6.2% 6.8% 14.8% 8.2%
Earnings BIT 877.98
545.54
448.58
393.60
466.14
272.16
growth rate -37.9% -17.8% -12.3% 18.4% -41.6%
Avg.PE 3.12
9.38
11.38
10.31
8.97
17.06
11.28
11.28
9.55
8.53
9.63
growth rate 200.6% 21.3% -9.4% -13.0% 90.2% -33.9% 0.0% -15.3% -10.7% 12.9%
ROA 2.70
1.58
1.21
0.83
1.20
0.63
-0.96
0.59
1.84
2.30
2.29
growth rate -41.5% -23.4% -31.4% 44.6% -47.5% -100.0% 100.0% 211.9% 25.0% -0.4%
ROE 24.89
13.56
9.48
6.12
8.33
4.26
-7.38
5.10
15.27
18.41
18.39
growth rate -45.5% -30.1% -35.4% 36.1% -48.9% -100.0% 100.0% 199.4% 20.6% -0.1%
ROIC 37.73
36.47
27.95
20.44
30.48
26.06
5.75
growth rate -3.3% -23.4% -26.9% 49.1% -14.5% -77.9%
Leverage 9.00
8.22
7.51
7.22
6.70
6.90
8.70
8.71
7.97
8.06
8.00
growth rate -8.7% -8.6% -3.9% -7.2% 3.0% 26.1% 0.1% -8.5% 1.1% -0.7%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 42,011.00
36,875.00
45,630.00
42,824.00
35,679.00
39,007.00
growth rate -12.2% 23.7% -6.2% -16.7% 9.3%
Acct.Payable 6,846,434.00
7,667,310.00
7,990,492.00
8,552,024.00
10,249,601.00
11,309,303.00
growth rate 12.0% 4.2% 7.0% 19.9% 10.3%
Cur.Assets 1,483,091.00
3,076,628.00
2,661,590.00
2,403,528.00
2,162,922.00
2,344,462.00
growth rate 107.5% -13.5% -9.7% -10.0% 8.4%
Total Assets 31,216.42
31,299.03
32,641.69
32,363.09
10,381,047.00
10,971,052.00
10,718,848.00
11,209,041.00
13,190,228.00
14,590,288.00
growth rate 0.3% 4.3% -0.9% 31,976.8% 5.7% -2.3% 4.6% 17.7% 10.6%
Cash 275,947.00
2,003,324.00
1,427,292.00
1,128,610.00
800,689.00
819,979.00
growth rate 626.0% -28.8% -20.9% -29.1% 2.4%
Inventory 63,136.00
43,936.00
46,195.00
53,772.00
60,998.00
59,146.00
growth rate -30.4% 5.1% 16.4% 13.4% -3.0%
Cur.Liabilities 7,967,566.00
8,701,683.00
8,819,619.00
9,157,766.00
10,761,576.00
11,875,147.00
growth rate 9.2% 1.4% 3.8% 17.5% 10.4%
Liabilities 27,422.97
27,129.30
28,121.02
27,535.03
8,871,715.00
9,706,886.00
9,485,189.00
9,788,392.00
11,550,173.00
12,763,631.00
growth rate -1.1% 3.7% -2.1% 32,119.7% 9.4% -2.3% 3.2% 18.0% 10.5%
LT Debt 767,564.00
708,013.00
519,012.00
456,903.00
584,114.00
659,822.00
growth rate -7.8% -26.7% -12.0% 27.8% 13.0%
Equity 3,813.14
4,188.57
4,538.59
4,846.57
1,504,565.00
1,260,817.00
1,231,008.00
1,417,357.00
1,636,590.00
1,824,205.00
growth rate 9.9% 8.4% 6.8% 30,943.9% -16.2% -2.4% 15.1% 15.5% 11.5%
Common Shares 129.00
132.00
135.00
133.00
266.00
267.00
267.00
262.00
264.00
262.00
262.00
growth rate 2.3% 2.3% -1.5% 100.0% 0.4% 0.0% -1.9% 0.8% -0.8% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 166.16
228.07
269.03
143.03
59,286.00
50,376.00
50,376.00
71,575.00
131,028.00
104,199.00
growth rate 37.3% 18.0% -46.8% 41,349.9% -15.0% 0.0% 42.1% 83.1% -20.5%
Cash Dividends 1.72
0.01
64.65
90.05
33,592.00
40,594.00
40,473.00
46,152.00
53,191.00
61,164.00
growth rate -99.6% 1,010,100.0% 39.3% 37,204.6% 20.8% -0.3% 14.0% 15.3% 15.0%
Cash From OA 3,143.73
540.62
1,443.38
2,890.37
27,139.00
611,909.00
178,740.00
-80,728.00
-93,224.00
-867,573.00
growth rate -82.8% 167.0% 100.3% 839.0% 2,154.7% -70.8% -100.0% 0.0% 0.0%
FCF per Share 1.31
13.37
12.87
1.85
4.11
11.39
13.42
7.01
4.05
5.87
4.77
growth rate 920.6% -3.7% -85.6% 122.2% 177.1% 17.8% -47.8% -42.2% 44.9% -18.7%
Sale Purchase of Stock 27,180.00
27,180.00
24,641.00
9,881.00
10,342.00
growth rate 0.0% -9.3% -59.9% 4.7%
FCF 468,210.00
474,772.00
77,511.00
340,640.00
837,114.00
283,751.00
1,418,781.00
439,172.00
403,701.00
366,321.00
83,173.00
growth rate 1.4% -83.7% 339.5% 145.8% -66.1% 400.0% -69.1% -8.1% -9.3% -77.3%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,704.55
1,772.47
1,767.17
1,933.39
605,719.00
355,146.00
524,146.00
693,295.00
854,859.00
928,028.00
growth rate 4.0% -0.3% 9.4% 31,229.4% -41.4% 47.6% 32.3% 23.3% 8.6%
Op.Income 545.54
448.59
393.59
466.16
126,034.00
-131,321.00
58,630.00
237,197.00
355,913.00
360,709.00
growth rate -17.8% -12.3% 18.4% 26,936.8% -100.0% 100.0% 304.6% 50.1% 1.4%
IBT 85,052.00
-153,643.00
60,024.00
236,395.00
322,842.00
352,159.00
growth rate -100.0% 100.0% 293.8% 36.6% 9.1%
Net Income 483.34
377.38
266.07
389.41
64,199.00
-101,985.00
63,583.00
202,210.00
281,142.00
318,233.00
growth rate -21.9% -29.5% 46.4% 16,386.3% -100.0% 100.0% 218.0% 39.0% 13.2%
EPS 1,870.00
1,144.00
874.00
624.00
457.00
240.00
-382.00
242.00
765.00
1,074.00
1,215.00
growth rate -38.8% -23.6% -28.6% -26.8% -47.5% -100.0% 100.0% 216.1% 40.4% 13.1%
Gross Profit 605,719.00
355,146.00
524,146.00
693,295.00
854,859.00
928,028.00
growth rate -41.4% 47.6% 32.3% 23.3% 8.6%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Balance Sheet
Acct.Receivable 466,796.00
46,616.00
407,036.00
39,007.00
683,463.00
growth rate -90.0% 773.2% -90.4% 1,652.2%
Acct.Payable 10,372,704.00
10,876,543.00
11,020,890.00
11,309,303.00
12,389,983.00
growth rate 4.9% 1.3% 2.6% 9.6%
Cur.Assets 2,032,383.00
2,397,646.00
1,979,314.00
2,344,462.00
4,338,353.00
growth rate 18.0% -17.5% 18.5% 85.1%
Total Assets 13,511,182.00
14,213,426.00
14,362,575.00
14,590,288.00
16,107,501.00
growth rate 5.2% 1.1% 1.6% 10.4%
Cash 797,810.00
668,257.00
684,181.00
819,979.00
861,680.00
growth rate -16.2% 2.4% 19.9% 5.1%
Inventory 59,993.00
59,146.00
growth rate -0.7%
Cur.Liabilities 10,444,341.00
11,585,281.00
11,129,892.00
11,875,147.00
12,475,081.00
growth rate 10.9% -3.9% 6.7% 5.1%
Liabilities 11,918,733.00
12,506,049.00
12,591,919.00
12,763,631.00
14,237,399.00
growth rate 4.9% 0.7% 1.4% 11.6%
LT Debt 871,550.00
595,734.00
941,663.00
659,822.00
1,035,287.00
growth rate -31.7% 58.1% -29.9% 56.9%
Equity 1,589,075.00
1,703,864.00
1,767,230.00
1,824,205.00
1,866,577.00
growth rate 7.2% 3.7% 3.2% 2.3%
Common Shares 28,000.00
28,000.00
28,000.00
28,000.00
28,000.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 38,010.00
38,010.00
-38,010.00
104,199.00
growth rate 0.0% -100.0% 100.0%
Cash Dividends 61,317.00
61,317.00
61,164.00
61,164.00
growth rate 0.0% -0.3% 0.0%
Cash From OA 160,708.00
-769,902.00
907,704.00
-1,166,083.00
193,676.00
growth rate -100.0% 100.0% -100.0% 100.0%
Sale Purchase of Stock 44.00
growth rate
FCF 122,698.00
-807,912.00
869,694.00
-1,270,282.00
growth rate -100.0% 100.0% -100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 214,362.00
234,900.00
237,732.00
241,034.00
240,179.00
growth rate 9.6% 1.2% 1.4% -0.4%
Op.Income 75,516.00
99,663.00
102,772.00
82,758.00
83,094.00
growth rate 32.0% 3.1% -19.5% 0.4%
IBT 75,517.00
99,461.00
97,012.00
80,169.00
83,141.00
growth rate 31.7% -2.5% -17.4% 3.7%
Net Income 64,971.00
89,455.00
85,873.00
77,934.00
72,520.00
growth rate 37.7% -4.0% -9.3% -7.0%
Gross Profit 214,362.00
234,900.00
237,732.00
241,034.00
240,179.00
growth rate 9.6% 1.2% 1.4% -0.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (41.46)

YOY Growth Grade:

D (34.40)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.96 8.92 14.01
EPS / Growth 79.8% 4.21 0.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.1% 43.3% 47.7%
Future PE 0.18 12.33 39.45
Future EPS 4.25 153.47 207.82
Value Price
MOS %
0.19
-99.5%
467.75
1,145.3%
2,026.64
5,295.7%
MOS Price 0.09 233.88 1,013.32
IRT 8.88 3.59 3.43

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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