Optima bank has been growing earnings at an average annual rate of 36.2%, while the Banks industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 25.3% per year. Optima bank's return on equity is 22.5%, and it has net margins of 62.3%.
Key information
36.15%
Earnings growth rate
21.19%
EPS growth rate
Banks Industry Growth
10.63%
Revenue growth rate
25.35%
Return on equity
22.49%
Net Margin
62.33%
Next Earnings Update
30 Jul 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Optima bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
DB:C59 Revenue, expenses and earnings (EUR Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
286
179
47
0
31 Dec 25
273
170
46
0
30 Sep 25
254
155
45
0
30 Jun 25
249
152
44
0
31 Mar 25
243
146
43
0
31 Dec 24
234
140
41
0
30 Sep 24
234
139
42
0
30 Jun 24
219
128
41
0
31 Mar 24
203
117
39
0
31 Dec 23
183
103
38
0
30 Sep 23
158
88
33
0
30 Jun 23
132
70
31
0
31 Mar 23
106
52
29
0
31 Dec 22
90
42
28
0
31 Dec 21
44
10
25
0
31 Dec 20
21
-5
21
0
31 Dec 19
9
-4
10
0
31 Dec 18
11
-4
9
0
31 Dec 17
9
-5
8
0
31 Dec 16
9
-2
7
0
31 Dec 15
10
0
7
0
Quality Earnings: C59 has high quality earnings.
Growing Profit Margin: C59's current net profit margins (62.3%) are higher than last year (60.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: C59 has become profitable over the past 5 years, growing earnings by 36.2% per year.
Accelerating Growth: C59's earnings growth over the past year (21.9%) is below its 5-year average (36.2% per year).
Earnings vs Industry: C59 earnings growth over the past year (21.9%) exceeded the Banks industry 1.1%.
Return on Equity
High ROE: C59's Return on Equity (22.5%) is considered high.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/07/23 01:11
End of Day Share Price
2026/07/23 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
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.
* 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
Optima bank S.A. is covered by 4 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.