Investor Optimism Abounds Zavarovalnica Triglav, d.d. (LJSE:ZVTG) But Growth Is Lacking
Feb 12
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Slovenian (SBITOP) Financials Sector Analysis
UpdatedFeb 21, 2025
DataAggregated Company Financials
Companies7
- 7D2.5%
- 3M15.7%
- 1Y37.4%
- YTD13.8%
All of the companies in the Financials industry have been up over the last week, with the industry up 2.5%. This means that the industry has gained 37% over the past year. Looking forward, earnings are forecast to decline by 6.0% per year.
Sector Valuation and Performance
Has the Slovenian Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 21 Feb 2025 | €4.9b | €3.8b | €853.9m | 8x | 5.7x | 1.3x |
| Sun, 19 Jan 2025 | €4.3b | €3.7b | €847.1m | 5.8x | 5x | 1.2x |
| Tue, 17 Dec 2024 | €4.1b | €3.7b | €847.1m | 5.6x | 4.9x | 1.1x |
| Thu, 14 Nov 2024 | €4.2b | €3.5b | €773.4m | 6.7x | 5.4x | 1.2x |
| Sat, 12 Oct 2024 | €4.0b | €3.5b | €782.1m | 6.5x | 5.1x | 1.1x |
| Mon, 09 Sep 2024 | €4.0b | €3.5b | €782.1m | 6.4x | 5.1x | 1.1x |
| Wed, 07 Aug 2024 | €4.1b | €3.6b | €754.1m | 7.9x | 5.4x | 1.1x |
| Fri, 05 Jul 2024 | €4.0b | €3.5b | €726.4m | 6.8x | 5.5x | 1.1x |
| Sun, 02 Jun 2024 | €3.8b | €3.5b | €727.2m | 7.3x | 5.3x | 1.1x |
| Tue, 30 Apr 2024 | €3.4b | €3.4b | €638.5m | 9x | 5.4x | 1x |
| Thu, 28 Mar 2024 | €3.8b | €3.3b | €661.7m | 8.2x | 5.7x | 1.1x |
| Sat, 24 Feb 2024 | €3.8b | €3.4b | €721.9m | 7.7x | 5.3x | 1.1x |
| Mon, 22 Jan 2024 | €3.3b | €3.4b | €624.0m | 6x | 5.2x | 1x |
| Wed, 20 Dec 2023 | €3.2b | €3.4b | €617.7m | 5.9x | 5.1x | 0.9x |
| Fri, 17 Nov 2023 | €3.0b | €3.3b | €697.3m | 4.5x | 4.3x | 0.9x |
| Sun, 15 Oct 2023 | €2.8b | €3.2b | €647.6m | 4.5x | 4.4x | 0.9x |
| Tue, 12 Sep 2023 | €2.9b | €3.1b | €647.6m | 4.5x | 4.5x | 0.9x |
| Thu, 10 Aug 2023 | €3.0b | €3.0b | €549.7m | 4.7x | 5.5x | 1x |
| Sat, 08 Jul 2023 | €2.9b | €3.0b | €549.7m | 4.7x | 5.3x | 1x |
| Mon, 05 Jun 2023 | €3.0b | €3.0b | €549.7m | 4.8x | 5.5x | 1x |
| Wed, 03 May 2023 | €3.0b | €2.8b | €639.7m | 8.2x | 4.7x | 1.1x |
| Fri, 31 Mar 2023 | €2.9b | €2.8b | €639.4m | 8.2x | 4.6x | 1.1x |
| Sun, 26 Feb 2023 | €3.0b | €2.8b | €636.6m | 8.1x | 4.8x | 1.1x |
| Tue, 24 Jan 2023 | €2.8b | €2.7b | €601.8m | 6.4x | 4.6x | 1x |
| Thu, 22 Dec 2022 | €2.7b | €2.7b | €588.8m | 4.4x | 4.5x | 1x |
| Sat, 19 Nov 2022 | €2.8b | €2.6b | €586.0m | 4.6x | 4.8x | 1.1x |
| Mon, 17 Oct 2022 | €2.4b | €2.6b | €560.9m | 4.1x | 4.3x | 0.9x |
| Wed, 14 Sep 2022 | €2.6b | €2.6b | €560.9m | 4.3x | 4.6x | 1x |
| Fri, 12 Aug 2022 | €2.9b | €2.7b | €596.8m | 4.4x | 4.8x | 1x |
| Sun, 10 Jul 2022 | €2.7b | €2.7b | €596.8m | 4.1x | 4.5x | 1x |
| Tue, 07 Jun 2022 | €3.0b | €2.8b | €610.1m | 6.7x | 4.8x | 1x |
| Thu, 05 May 2022 | €3.0b | €3.0b | €443.3m | 7x | 6.7x | 1x |
| Sat, 02 Apr 2022 | €3.1b | €2.8b | €445.2m | 8.2x | 7.1x | 1.1x |
| Mon, 28 Feb 2022 | €3.0b | €2.9b | €554.3m | 8.5x | 5.4x | 1x |
Price to Earnings Ratio
5.4x
Current Industry PE
- Investors are optimistic on the Slovenian Financials industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 5.7x which is higher than its 3-year average PE of 5.1x.
- The 3-year average PS ratio of 1.0x is lower than the industry's current PS ratio of 1.3x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 15% per year over the last three years.
- Revenues for these companies have grown 8.9% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Slovenian Financials sector?
| SI Market | 2.30% | |
| Financials | 2.53% | |
| Insurance | 4.16% | |
| Banks | 1.58% | |
| Mortgage Finance | 0% | 0 |
| Mortgage REITs | 0% | 0 |
| Diversified Financial | 0% | 0 |
| Consumer Finance | 0% | 0 |
| Capital Markets | 0% | 0 |
Industry PE
- Investors are most optimistic about the Capital Markets industry which is trading above its 3-year average PE ratio of 4.1x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 4.1x.
Forecasted Growth
- Despite it being negative, analysts are least pessimistic on the Banks industry since they expect its earnings to decline by only 6.0% per year over the next 5 years, which isn't as bad as the other industries.
- This is a reversal from its past annual earnings growth rate of 107% per year.
- In contrast, the Banks industry is expected to see its earnings decline by 6.0% per year 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 | |
|---|---|---|---|---|---|
| POSR Pozavarovalnica Sava d.d | €51.50 | 4.7% +€35.6m | 77.0% | PE8.9x | |
| ZVTG Zavarovalnica Triglav d.d | €47.00 | 3.1% +€31.8m | 29.5% | PE8.1x | |
| DEHG Delavska hranilnica d.d | €170.00 | 6.3% +€5.8m | 54.5% | PB0.8x |