BRD - Groupe Société Générale (76B) Stock Overview

Provides a range of banking and financial services to corporates and individuals in Romania. More details

76B fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	4/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 8.5% below our estimate of its fair value

Earnings are forecast to grow 3.39% per year

Earnings grew by 4.3% over the past year

Risk Analysis

Unstable dividend track record

76B Community Fair Values

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BRD - Groupe Société Générale S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for BRD - Groupe Société Générale
Historical stock prices
Current Share Price	RON 4.75
52 Week High	RON 4.76
52 Week Low	RON 3.70
Beta	0.80
1 Month Change	11.65%
3 Month Change	23.89%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	25.20%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	76B	DE Banks	DE Market
7D	3.5%	1.9%	0.7%
1Y	n/a	54.4%	10.9%

Return vs Industry: Insufficient data to determine how 76B performed against the German Banks industry.

Return vs Market: Insufficient data to determine how 76B performed against the German Market.

Price Volatility

Is 76B's price volatile compared to industry and market?
76B volatility
76B Average Weekly Movement	5.2%
Banks Industry Average Movement	3.2%
Market Average Movement	5.1%
10% most volatile stocks in DE Market	12.1%
10% least volatile stocks in DE Market	2.6%

Stable Share Price: 76B has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine 76B's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1990	5,327	Maria Rousseva	www.brd.ro

BRD - Groupe Société Générale S.A. provides a range of banking and financial services to corporates and individuals in Romania. It operates in Retail and Non-Retail segments. The company offers savings, deposits, and current accounts; term deposits; personal, housing, youth, refinancing, medical treatment, and investment loans, as well as agriculture loans; credit and debit cards; and transfer, investments and insurance services.

BRD - Groupe Société Générale S.A. Fundamentals Summary

How do BRD - Groupe Société Générale's earnings and revenue compare to its market cap?
76B fundamental statistics
Market cap	€3.37b
Earnings (TTM)	€311.63m
Revenue (TTM)	€797.94m

10.8x

P/E Ratio

1.7x

P/B Ratio

Is 76B overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
76B income statement (TTM)
Revenue	RON 4.06b
Cost of Revenue	RON 0
Gross Profit	RON 4.06b
Other Expenses	RON 2.48b
Earnings	RON 1.59b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	2.28
Gross Margin	100.00%
Net Profit Margin	39.05%
Debt/Equity Ratio	93.1%

How did 76B perform over the long term?

See historical performance and comparison

Dividends

4.3%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/13 16:51
End of Day Share Price	2025/12/12 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BRD - Groupe Société Générale S.A. is covered by 11 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Andreas Markou	Berenberg
Thomas Unger	Erste Group Bank AG
Mladen Dodig	Erste Group Bank AG