ACBC Stock Overview

Provides various banking and financial products and services in Greece and internationally. More details

ACBC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	2/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 51.4% below our estimate of its fair value

Earnings are forecast to grow 17.36% per year

Earnings have grown 34.2% per year over the past 5 years

Risk Analysis

Highly volatile share price over the past 3 months compared to the German market

Community vs My Fair Value

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Alpha Services and Holdings S.A. Competitors

Commerzbank

XTRA:CBK

€27.8b

ProCredit Holding

XTRA:PCZ

€609.6m

Merkur PrivatBank KgaA

XTRA:MBK

€116.7m

Banco Macro

BASE:BMA

AR$6.7t

Price History & Performance

Summary of share price highs, lows and changes for Alpha Services and Holdings
Historical stock prices
Current Share Price	€0.51
52 Week High	€0.58
52 Week Low	€0.30
Beta	1.48
1 Month Change	-0.97%
3 Month Change	29.44%
1 Year Change	40.88%
3 Year Change	147.57%
5 Year Change	n/a
Change since IPO	-99.80%

Recent updates

Shareholder Returns

	ACBC	DE Banks	DE Market
7D	-1.9%	1.1%	2.5%
1Y	40.9%	26.6%	14.4%

Return vs Industry: ACBC exceeded the German Banks industry which returned 26.6% over the past year.

Return vs Market: ACBC exceeded the German Market which returned 14.4% over the past year.

Price Volatility

Is ACBC's price volatile compared to industry and market?
ACBC volatility
ACBC Average Weekly Movement	17.3%
Banks Industry Average Movement	4.9%
Market Average Movement	6.3%
10% most volatile stocks in DE Market	12.8%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: ACBC's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: ACBC's weekly volatility has increased from 12% to 17% over the past year.

About the Company

Founded	Employees	CEO	Website
1879	6,034	Vassilios Psaltis	www.alphaholdings.gr

Alpha Services and Holdings S.A., together with its subsidiaries, provides various banking and financial products and services in Greece and internationally. The company operates through Retail, Wholesale, Wealth Management, and International segments. It offers various deposit products, including savings, current, time, and other deposit products; debit and credit cards; credit facilities, such as mortgages, consumer, business loans, leasing products, factoring services, letters of guarantee/letters of credit, and others; and insurance and bancassurance products.

Alpha Services and Holdings S.A. Fundamentals Summary

How do Alpha Services and Holdings's earnings and revenue compare to its market cap?
ACBC fundamental statistics
Market cap	€5.16b
Earnings (TTM)	€549.00m
Revenue (TTM)	€1.79b

9.4x

P/E Ratio

0.6x

P/B Ratio

Is ACBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ACBC income statement (TTM)
Revenue	€1.79b
Cost of Revenue	€0
Gross Profit	€1.79b
Other Expenses	€1.24b
Earnings	€549.00m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

May 09, 2025

Earnings per share (EPS)	0.24
Gross Margin	100.00%
Net Profit Margin	30.69%
Debt/Equity Ratio	87.0%

How did ACBC perform over the long term?

See historical performance and comparison

Dividends

1.2%

Current Dividend Yield

13%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 17:25
End of Day Share Price	2025/05/02 00:00
Earnings	2024/12/31
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

Alpha Services and Holdings S.A. is covered by 34 analysts. 12 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
Eleni Ismailou	Axia Ventures Group Ltd
Robert Bate	Barclays
Kirishanthan Vijayarajah	Barclays