Ellinas Finance Public Company Limited's (CSE:ELF) Price Is Out Of Tune With Earnings
Feb 14
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Cypriot (CYSMMAPA) Financials Sector Analysis
UpdatedApr 07, 2026
DataAggregated Company Financials
Companies14
- 7D3.1%
- 3M0.6%
- 1Y54.7%
- YTD0.8%
The Financials industry is up 2.4% in the last week, with Bank of Cyprus Holdings up 3.4%. In the last 12 months, the industry was up 45%. Looking forward, earnings are expected to remain mostly flat in the next few years.
Sector Valuation and Performance
Has the Cypriot Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Wed, 08 Apr 2026 | €4.1b | €1.2b | €610.7m | 4.7x | 6.7x | 3.4x |
| Fri, 06 Mar 2026 | €4.4b | €1.2b | €611.0m | 4x | 7.2x | 3.6x |
| Sun, 01 Feb 2026 | €7.3b | €1.2b | €882.0m | 4.3x | 8.3x | 5.9x |
| Tue, 30 Dec 2025 | €6.7b | €1.2b | €882.7m | 5x | 7.6x | 5.4x |
| Thu, 27 Nov 2025 | €6.8b | €1.2b | €882.0m | 5.7x | 7.7x | 5.5x |
| Sat, 25 Oct 2025 | €6.6b | €1.3b | €894.3m | 4.7x | 7.4x | 5.3x |
| Mon, 22 Sep 2025 | €3.9b | €1.2b | €615.2m | 7.1x | 6.3x | 3.2x |
| Wed, 20 Aug 2025 | €3.8b | €1.2b | €611.2m | 7.4x | 6.2x | 3.2x |
| Fri, 18 Jul 2025 | €5.8b | €1.2b | €1.0b | 6.7x | 5.6x | 4.7x |
| Sun, 15 Jun 2025 | €5.7b | €1.2b | €1.0b | 6.6x | 5.5x | 4.6x |
| Tue, 13 May 2025 | €5.8b | €1.3b | €1.1b | 6.5x | 5.4x | 4.6x |
| Thu, 10 Apr 2025 | €6.8b | €1.9b | €1.3b | 5.1x | 5.3x | 3.6x |
| Sat, 08 Mar 2025 | €6.8b | €1.9b | €1.3b | 5.3x | 5.3x | 3.6x |
| Mon, 03 Feb 2025 | €6.6b | €1.9b | €1.3b | 4.8x | 4.9x | 3.4x |
| Wed, 01 Jan 2025 | €6.4b | €1.9b | €1.3b | 4.9x | 4.8x | 3.3x |
| Fri, 29 Nov 2024 | €6.0b | €1.9b | €1.4b | 4.7x | 4.4x | 3.1x |
| Sun, 27 Oct 2024 | €5.5b | €1.9b | €1.3b | 6.3x | 4.1x | 2.9x |
| Tue, 24 Sep 2024 | €4.0b | €1.9b | €1.0b | 5.8x | 3.9x | 2.1x |
| Thu, 22 Aug 2024 | €5.1b | €1.9b | €1.2b | 5.9x | 4.1x | 2.7x |
| Sat, 20 Jul 2024 | €4.7b | €1.9b | €1.2b | 5.9x | 3.8x | 2.5x |
| Mon, 17 Jun 2024 | €4.6b | €1.9b | €1.2b | 6.4x | 3.8x | 2.4x |
| Wed, 15 May 2024 | €4.2b | €1.8b | €1.1b | 5.7x | 3.7x | 2.4x |
| Fri, 12 Apr 2024 | €2.9b | €1.8b | €937.6m | 3.6x | 3.1x | 1.7x |
| Sun, 10 Mar 2024 | €4.0b | €1.8b | €963.8m | 3.9x | 4.2x | 2.3x |
| Tue, 06 Feb 2024 | €3.9b | €1.6b | €704.3m | 4.9x | 5.5x | 2.3x |
| Thu, 04 Jan 2024 | €3.0b | €1.7b | €668.8m | 4.8x | 4.5x | 1.8x |
| Sat, 02 Dec 2023 | €2.7b | €1.7b | €668.8m | 4.8x | 4x | 1.6x |
| Mon, 30 Oct 2023 | €2.5b | €1.5b | €401.5m | 5.1x | 6.2x | 1.7x |
| Wed, 27 Sep 2023 | €2.6b | €1.5b | €397.2m | 10.6x | 6.6x | 1.8x |
| Fri, 25 Aug 2023 | €2.6b | €1.4b | €324.5m | 10.6x | 8.1x | 1.8x |
| Sun, 23 Jul 2023 | €2.4b | €1.3b | €215.6m | 11.7x | 10.9x | 1.8x |
| Tue, 20 Jun 2023 | €2.4b | €1.3b | €188.7m | 10.8x | 12.8x | 1.9x |
| Thu, 18 May 2023 | €2.2b | €1.3b | €188.4m | 11.1x | 11.7x | 1.8x |
| Sat, 15 Apr 2023 | €2.1b | €1.2b | €109.9m | 11.6x | 19.2x | 1.8x |
Price to Earnings Ratio
19.2x
Current Industry PE
- Investors are relatively neutral on the Cypriot Financials industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 6.4x.
- The 3-year average PS ratio of 3.1x is lower than the industry's current PS ratio of 3.4x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 77% per year over the last three years, while revenues have remained mostly flat.
- This means that companies overall are more efficiently conducting business since profits are increasing while sales have been flat.
Industry Trends
Which industries have driven the changes within the Cypriot Financials sector?
| CY Market | 2.09% | |
| Financials | 3.14% | |
| Banks | 3.45% | |
| Capital Markets | 0.81% | |
| Insurance | 0.30% | |
| Diversified Financial | 0% | 0 |
Industry PE
- Investors are most optimistic about the Diversified Financial industry even though it's trading below its 3-year average PE ratio of 12.5x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Capital Markets industry, which is trading below its 3-year average of 7.0x.
Forecasted Growth
- Despite it being negative, analysts are least pessimistic on the Banks industry since they expect its earnings to decline by only 0.9% per year over the next 5 years, which isn't as bad as the other industries.
- This is an improvement from its past earnings decline of 5.4% per year.
- In contrast, the Banks industry is expected to see its earnings growth to stay flat over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| BOCH Bank of Cyprus Holdings | €8.59 | 1.8% +€65.3m | 62.7% | PB1.3x | |
| ATL Atlantic Insurance Company | €2.44 | 7.0% +€6.2m | -1.6% | PE5.1x | |
| COS Cosmos Insurance Company | €0.30 | 7.1% +€1.1m | 36.4% | PE5.3x | |
| LI 7Q Investments | €0.14 | 6.9% +€230.9k | 50.3% | PS23.4x | |
| ELF Ellinas Finance | €0.35 | 4.2% +€224.0k | -25.8% | PE8x |