Nova Ljubljanska Banka d.d (N1V1) Stock Overview

Provides various banking services for retail and corporate clients in Slovenia, South East Europe, and Western Europe. More details

N1V1 fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	2/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 53.6% below our estimate of its fair value

Earnings are forecast to grow 5.5% per year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

N1V1 Community Fair Values

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Nova Ljubljanska Banka d.d. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Nova Ljubljanska Banka d.d
Historical stock prices
Current Share Price	€176.00
52 Week High	€185.50
52 Week Low	€122.00
Beta	0.51
1 Month Change	1.15%
3 Month Change	7.98%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	44.26%

Recent updates

Shareholder Returns

	N1V1	DE Banks	DE Market
7D	1.1%	-1.7%	-1.2%
1Y	n/a	51.7%	9.8%

Return vs Industry: Insufficient data to determine how N1V1 performed against the German Banks industry.

Return vs Market: Insufficient data to determine how N1V1 performed against the German Market.

Price Volatility

Is N1V1's price volatile compared to industry and market?
N1V1 volatility
N1V1 Average Weekly Movement	3.5%
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: N1V1 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: N1V1's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1889	8,179	Blaz Brodnjak	www.nlb.si

Nova Ljubljanska Banka d.d., together with its subsidiaries, provides various banking services for retail and corporate clients in Slovenia, South East Europe, and Western Europe. It operates through Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other segments. The company offers saving, deposit, and business accounts; and personal, home, and green housing loans.

Nova Ljubljanska Banka d.d. Fundamentals Summary

How do Nova Ljubljanska Banka d.d's earnings and revenue compare to its market cap?
N1V1 fundamental statistics
Market cap	€3.51b
Earnings (TTM)	€493.03m
Revenue (TTM)	€1.29b

7.1x

P/E Ratio

1.0x

P/B Ratio

Is N1V1 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
N1V1 income statement (TTM)
Revenue	€1.29b
Cost of Revenue	€0
Gross Profit	€1.29b
Other Expenses	€793.75m
Earnings	€493.03m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	24.65
Gross Margin	100.00%
Net Profit Margin	38.31%
Debt/Equity Ratio	67.8%

How did N1V1 perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

26%

Payout Ratio

Does N1V1 pay a reliable dividends?

See N1V1 dividend history and benchmarks

When do you need to buy N1V1 by to receive an upcoming dividend?
Nova Ljubljanska Banka d.d dividend dates
Ex Dividend Date	Dec 19 2025
Dividend Pay Date	Dec 23 2025
Days until Ex dividend	24 days
Days until Dividend pay date	28 days

Does N1V1 pay a reliable dividends?

See N1V1 dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/24 01:45
End of Day Share Price	2025/11/24 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

Nova Ljubljanska Banka d.d. is covered by 13 analysts. 8 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
Simon Nellis	Citigroup Inc
Marlene Eibensteiner	Deutsche Bank
Miriam Killian	Deutsche Bank

Nova Ljubljanska Banka d.d.DB:N1V1 Stock Report