Banca Transilvania (TLV) Panoramica del titolo
Banca Transilvania S.A. fornisce vari prodotti e servizi bancari in Romania, Italia e Repubblica Moldova. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 3/6 |
| Crescita futura | 2/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 5/6 |
| Dividendi | 4/6 |
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Analyst Price Targets
Concorrenti di Banca Transilvania S.A.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | RON 37.30 |
| Massimo di 52 settimane | RON 38.28 |
| Minimo di 52 settimane | RON 23.74 |
| Beta | 0.48 |
| Variazione di 1 mese | -1.22% |
| Variazione a 3 mesi | 10.06% |
| Variazione di 1 anno | 51.35% |
| Variazione a 3 anni | 184.78% |
| Variazione a 5 anni | 171.25% |
| Variazione dall'IPO | 35,364.36% |
Notizie e aggiornamenti recenti
Aggiornamento narrativa • Aug 09
TLV: Higher Future P/E And Stock Split Will Sustain Overvaluation Risk
Analysts have lifted their price target for Banca Transilvania from RON 33.10 to around RON 33.88, citing updated fair value assumptions and a slightly revised future P/E multiple, while keeping revenue growth and profit margin expectations broadly in line with prior views. What's in the News Banca Transilvania has scheduled an Analyst and Investor Day, which gives management a forum to explain its assumptions, provide an update on business priorities, and address questions from institutional and retail investors.Aggiornamento narrativa • Jul 24
TLV: Reduced Future P/E Will Drive A Cautious Overvaluation Outlook
Analysts have revised their fair value estimate for Banca Transilvania lower from RON 37.87 to RON 33.10, mainly reflecting a reduced future P/E assumption while keeping revenue growth, profit margin and discount rate effectively unchanged. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst/Investor Day, giving the market a scheduled opportunity to hear management’s latest views and updates on the business.Aggiornamento narrativa • Jul 10
TLV: Investor Day Insights Will Support A Steady Fairly Valued Outlook
Analysts have nudged their fair value estimate for Banca Transilvania higher from RON 36.87 to around RON 37.87, citing updated assumptions for revenue growth, profit margins and future P/E, which feed into a slightly lower discount rate in their models. What’s in the News for Banca Transilvania Banca Transilvania held an Analyst/Investor Day, giving institutional and retail investors an opportunity to hear updated management commentary and ask questions about the business.Aggiornamento narrativa • Jun 22
TLV: Dividend And Meetings Will Shape A Steady Fairly Valued Outlook
Analysts kept their RON fair value estimate for Banca Transilvania steady at RON 36.87, with the unchanged price target supported by slightly adjusted assumptions for the discount rate, revenue growth, profit margin, and future P/E that broadly offset each other. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst and Investor Day, giving the market an opportunity to hear updated management views on the business and outlook.Aggiornamento narrativa • Jun 04
TLV: Dividend And Shareholder Meeting Will Shape A Steady Forward Outlook
Analysts have nudged their price target for Banca Transilvania to RON36.87 from RON35.60, reflecting updated assumptions around slightly higher revenue growth, profit margins, and a revised future P/E multiple. What's in the News Banca Transilvania has scheduled a Special and Extraordinary Shareholders Meeting for April 28, 2026, at 14:00 Eastern Europe Standard Time at its headquarters in Cluj-Napoca, str.Recent updates
Aggiornamento narrativa • Aug 09
TLV: Higher Future P/E And Stock Split Will Sustain Overvaluation Risk
Analysts have lifted their price target for Banca Transilvania from RON 33.10 to around RON 33.88, citing updated fair value assumptions and a slightly revised future P/E multiple, while keeping revenue growth and profit margin expectations broadly in line with prior views. What's in the News Banca Transilvania has scheduled an Analyst and Investor Day, which gives management a forum to explain its assumptions, provide an update on business priorities, and address questions from institutional and retail investors.Aggiornamento narrativa • Jul 24
TLV: Reduced Future P/E Will Drive A Cautious Overvaluation Outlook
Analysts have revised their fair value estimate for Banca Transilvania lower from RON 37.87 to RON 33.10, mainly reflecting a reduced future P/E assumption while keeping revenue growth, profit margin and discount rate effectively unchanged. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst/Investor Day, giving the market a scheduled opportunity to hear management’s latest views and updates on the business.Aggiornamento narrativa • Jul 10
TLV: Investor Day Insights Will Support A Steady Fairly Valued Outlook
Analysts have nudged their fair value estimate for Banca Transilvania higher from RON 36.87 to around RON 37.87, citing updated assumptions for revenue growth, profit margins and future P/E, which feed into a slightly lower discount rate in their models. What’s in the News for Banca Transilvania Banca Transilvania held an Analyst/Investor Day, giving institutional and retail investors an opportunity to hear updated management commentary and ask questions about the business.Aggiornamento narrativa • Jun 22
TLV: Dividend And Meetings Will Shape A Steady Fairly Valued Outlook
Analysts kept their RON fair value estimate for Banca Transilvania steady at RON 36.87, with the unchanged price target supported by slightly adjusted assumptions for the discount rate, revenue growth, profit margin, and future P/E that broadly offset each other. What’s in the News for Banca Transilvania Banca Transilvania plans an Analyst and Investor Day, giving the market an opportunity to hear updated management views on the business and outlook.Aggiornamento narrativa • Jun 04
TLV: Dividend And Shareholder Meeting Will Shape A Steady Forward Outlook
Analysts have nudged their price target for Banca Transilvania to RON36.87 from RON35.60, reflecting updated assumptions around slightly higher revenue growth, profit margins, and a revised future P/E multiple. What's in the News Banca Transilvania has scheduled a Special and Extraordinary Shareholders Meeting for April 28, 2026, at 14:00 Eastern Europe Standard Time at its headquarters in Cluj-Napoca, str.Aggiornamento narrativa • Apr 21
TLV: Dividend And Shareholder Meeting Will Support A Steady Outlook
Analysts now keep their Banca Transilvania fair value estimate steady at RON 35.6, with only marginal tweaks to inputs such as the discount rate and assumed future P/E. This reflects fine tuning of their models rather than a change in overall conviction.Aggiornamento narrativa • Apr 06
TLV: Extraordinary Meeting And Dividend Plans Will Support Steady Outlook
Analysts have lifted their RON 33.35 fair value estimate for Banca Transilvania to RON 35.60, citing updated assumptions around the discount rate, revenue growth, profit margins and future P/E that collectively point to a modestly higher valuation anchor. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026 at 14:00 E.Aggiornamento narrativa • Feb 24
TLV: Extraordinary Meeting And Model Tweaks Will Support Steady Outlook
Analysts have kept their RON 33.35 price target for Banca Transilvania broadly unchanged, highlighting slightly adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E as the key drivers behind their current view. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026, signaling upcoming shareholder votes on key corporate matters (Key Developments).Aggiornamento narrativa • Feb 09
TLV: Updated Assumptions And Shareholder Meeting Will Support Steady Fair Value Outlook
Analysts have nudged their price target higher for Banca Transilvania to reflect updated fair value estimates and revised assumptions for the discount rate, revenue growth, profit margin, and future P/E, which together indicate a more supportive risk and earnings profile than in the prior framework. What's in the News Banca Transilvania has scheduled a Special or Extraordinary Shareholders Meeting for April 28, 2026.Aggiornamento narrativa • Jan 25
TLV: Updated Discount Rate And Margins Will Support Steady Fair Value Outlook
Analysts have made a modest adjustment to their price outlook on Banca Transilvania, reflecting slightly updated assumptions around discount rates, revenue growth, profit margins and future P/E. Taken together, these updates leave fair value broadly unchanged at €31.48.Aggiornamento narrativa • Jan 10
TLV: Discount Rate And Margin Assumptions Will Steady Fairly Valued Outlook
Analysts have revised their price expectations for Banca Transilvania to reflect a slightly lower discount rate, a modest adjustment in the assumed profit margin and a small change in the future P/E multiple, resulting in an updated target centered on a fair value of 31.478. Valuation Changes Fair Value: The updated fair value remains unchanged at RON 31.478 per share.Aggiornamento narrativa • Dec 26
TLV: Dividend Stability And Margins Will Guide Fairly Valued Outlook
Analysts have nudged their price target on Banca Transilvania slightly higher to RON 31.48, reflecting modestly improved expectations for long term earnings sustainability and valuation multiples, despite only incremental changes in discount rate and growth assumptions. Valuation Changes Fair Value: unchanged at RON 31.48 per share, indicating a stable central valuation outcome.Aggiornamento narrativa • Dec 12
TLV: Dividend Distribution And Stable Margins Will Shape Near Term Outlook
Analysts have nudged their price target on Banca Transilvania slightly higher to reflect an improved fair value estimate of approximately 31.48, supported by marginally stronger assumptions for revenue growth, profit margins, and future valuation multiples. What's in the News A special and extraordinary shareholders meeting is scheduled for October 28, 2025 at 12:00 E.Aggiornamento narrativa • Nov 28
TLV: Dividend Payout And Stable Margins Will Guide Near Term Outlook
Analysts have made a marginal downward revision to their price target for Banca Transilvania. The new target is set at RON 30.65, reflecting slight changes in discount rate and projected future valuation multiples.Aggiornamento narrativa • Nov 13
TLV: Future Dividend Payout And Profit Margins Will Shape Outlook
Analysts have slightly reduced their price target for Banca Transilvania to RON 30.65. They cite modest adjustments in revenue growth and discount rates, while acknowledging persistent strength in profit margins and future earnings expectations.Aggiornamento narrativa • Oct 29
Dividend Distribution Plan And Macroeconomic Shifts Will Shape Banking Returns Ahead
Analysts have maintained their price target for Banca Transilvania at RON 30.65, citing only marginal updates to the discount rate and future valuation metrics. These changes do not materially affect their outlook.Aggiornamento narrativa • Oct 15
Fiscal Tightening And High Taxes Will Erode Romanian Banks
Analysts have slightly raised their price target for Banca Transilvania, increasing it from RON 30.19 to RON 30.65. They cite small improvements in expected revenue growth along with a modest update to the bank’s discount rate assumptions.Aggiornamento narrativa • Aug 27
Integration With OTP Bank Romania Will Expand Market Share But Operational Risks Could Affect Margins
The slight upward revision in Banca Transilvania's consensus price target reflects modest improvement in revenue growth forecasts, while net profit margin remains stable, resulting in a marginal increase in fair value to RON29.29. What's in the News Banca Transilvania announced a stock split or significant stock dividend with a split ratio of 1.1891737621 : 1, effective July 17, 2025.
Nuova narrativa • Dec 07
Integration Of OTP And Rising Expenses Threaten Profitability Amid Economic Uncertainty
Integration costs and increased operating expenses, coupled with new taxes, may impact net margins and affect earnings if efficiencies are not achieved quickly.Rendimenti per gli azionisti
| TLV | RO Banks | RO Mercato | |
|---|---|---|---|
| 7D | -0.6% | 0.6% | 1.9% |
| 1Y | 51.3% | 37.6% | 65.0% |
Ritorno vs Industria: TLV ha superato il RO Banks che ha restituito 37.6 % nell'ultimo anno.
Rendimento vs Mercato: TLV ha avuto una performance inferiore al mercato RO che ha registrato un rendimento 65 % nell'ultimo anno.
Volatilità dei prezzi
| TLV volatility | |
|---|---|
| TLV Average Weekly Movement | 3.2% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 4.5% |
| 10% most volatile stocks in RO Market | 10.3% |
| 10% least volatile stocks in RO Market | 2.8% |
Prezzo delle azioni stabile: TLV non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato RO.
Volatilità nel tempo: La volatilità settimanale ( 3% ) di TLV è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1993 | 13,306 | Omer Tetik | www.bancatransilvania.ro |
Banca Transilvania S.A. fornisce vari prodotti e servizi bancari in Romania, Italia e Repubblica Moldova. L'azienda opera attraverso i segmenti Grandi Clienti Corporate, Clienti Medium Corporate, Clienti PMI, Clienti Micro Business, Clienti Retail, Tesoreria, Leasing e finanziamenti al consumo concessi da istituzioni finanziarie non bancarie e Altri segmenti. L'azienda offre prodotti bancari transazionali, abbonamenti a conti correnti, prodotti di bancassicurazione, carte di debito e di credito, depositi e conti di risparmio, prestiti e mutui al consumo e servizi ATM per bambini, studenti e dipendenti.
Banca Transilvania S.A. Riepilogo dei fondamenti
| TLV statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | RON 46.40b |
| Utili (TTM) | RON 4.72b |
| Ricavi(TTM) | RON 11.33b |
9.8x
Rapporto P/E2.0x
Rapporto P/BTLV è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| TLV Conto economico (TTM) | |
|---|---|
| Ricavi | RON 11.33b |
| Costo del fatturato | RON 541.68m |
| Profitto lordo | RON 10.79b |
| Altre spese | RON 6.07b |
| Utili | RON 4.72b |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
Aug 21, 2026
| Utile per azione (EPS) | 3.79 |
| Margine lordo | 95.22% |
| Margine di profitto netto | 41.66% |
| Rapporto debito/patrimonio netto | 82.8% |
Come si è comportato TLV nel lungo periodo?
Vedi performance storica e confrontoDividendi
4.5%
Rendimento attuale del dividendo44%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/08/17 20:45 |
| Prezzo dell'azione a fine giornata | 2026/08/17 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Banca Transilvania S.A. è coperta da 14 analisti. 4 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Andreas Markou | Berenberg |
| Simon Nellis | Citigroup Inc |
| Thomas Unger | Erste Group Bank AG |