Banca Transilvania S.A. provides various banking products and services.
Established dividend payer and good value.
Share Price & News
How has Banca Transilvania's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0DP9 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0DP9 exceeded the UK Banks industry which returned -6.5% over the past year.
Return vs Market: 0DP9 exceeded the UK Market which returned 6.1% over the past year.
Price Volatility Vs. Market
How volatile is Banca Transilvania's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Banca Transilvania undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0DP9 (RON2.6) is trading below our estimate of fair value (RON4.27)
Significantly Below Fair Value: 0DP9 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0DP9 is good value based on its PE Ratio (10.3x) compared to the Banks industry average (10.5x).
PE vs Market: 0DP9 is good value based on its PE Ratio (10.3x) compared to the UK market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0DP9's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0DP9 is overvalued based on its PB Ratio (1.8x) compared to the GB Banks industry average (0.6x).
How is Banca Transilvania forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0DP9's earnings are forecast to decline over the next 3 years (-0.2% per year).
Earnings vs Market: 0DP9's earnings are forecast to decline over the next 3 years (-0.2% per year).
High Growth Earnings: 0DP9's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0DP9's revenue (3.3% per year) is forecast to grow slower than the UK market (3.5% per year).
High Growth Revenue: 0DP9's revenue (3.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0DP9's Return on Equity is forecast to be low in 3 years time (16.7%).
How has Banca Transilvania performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0DP9 has high quality earnings.
Growing Profit Margin: 0DP9's current net profit margins (40.8%) are lower than last year (41%).
Past Earnings Growth Analysis
Earnings Trend: 0DP9's earnings have declined by -1.1% per year over the past 5 years.
Accelerating Growth: 0DP9's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0DP9 had negative earnings growth (-4.5%) over the past year, making it difficult to compare to the Banks industry average (28.3%).
Return on Equity
High ROE: 0DP9's Return on Equity (17.6%) is considered low.
Return on Assets
Return on Capital Employed
How is Banca Transilvania's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0DP9 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0DP9's debt is covered by short term assets (assets are 6.2x debt).
Financial Institutions Analysis
Asset Level: 0DP9's level of assets compared to its equity is low.
Allowance for Bad Loans: 0DP9 has a low allowance for bad loans.
Low Risk Liabilities: 0DP9's liabilities are made up of primarily low risk sources of funding.
Loan Level: 0DP9 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0DP9's loans are broadly funded by customer deposits.
Level of Bad Loans: 0DP9 has a high level of bad loans (7.29%)
What is Banca Transilvania's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0DP9's dividend (6.12%) is higher than the bottom 25% of dividend payers in the UK market (1.83%).
High Dividend: 0DP9's dividend (6.12%) is in the top 25% of dividend payers in the UK market (5.1%)
Stability and Growth of Payments
Stable Dividend: 0DP9's dividend payments have been volatile in the past 10 years.
Growing Dividend: 0DP9's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (62.8%), 0DP9's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0DP9's dividends in 3 years are forecast to be covered by earnings (63.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ömer Tetik (46yo)
Work Experience: • June 2013 - present Banca Transilvania S.A. - CEO • December 2010 – May 2013 Credit Europe Bank (Romania) S.A., former Finansbank (Romania) S.A - President • September 2009 -Decemb ...
|Chief Executive Officer||6.7yrs||no data||0.080% RON10.6m|
|Deputy CEO & CFO||6.4yrs||no data||0.0059% RON783.3k|
|Deputy CEO & COO||14.3yrs||no data||0.087% RON11.6m|
|Head of Public Relations||0yrs||no data||no data|
|Executive Manager of Corporate Governance & Legal Division||0yrs||no data||no data|
|Executive Manager of Human Resources||0yrs||no data||no data|
|Deputy Chief Executive Officer of Retail Banking||6.5yrs||no data||0.056% RON7.4m|
|Deputy CEO of MidCorporate & SMEs||3.8yrs||no data||0.024% RON3.2m|
|Deputy CEO & Chief Risk Officer||7yrs||no data||0.073% RON9.6m|
|Deputy Chief Executive Officer of FI & Financial Markets||1.3yrs||no data||0.0084% RON1.1m|
Experienced Management: 0DP9's management team is seasoned and experienced (6.5 years average tenure).
|Chairman of the Board||18.1yrs||no data||4.46% RON591.1m|
|Independent Non-Executive Director||3.8yrs||no data||0.013% RON1.7m|
|Director||9.8yrs||no data||0.048% RON6.4m|
|Independent Vice Chairman||0yrs||no data||no data|
|Independent Non-Executive Director||5.8yrs||no data||0.012% RON1.6m|
|Director||7.8yrs||no data||0.023% RON3.1m|
|Director||2.8yrs||no data||0.0014% RON184.2k|
Experienced Board: 0DP9's board of directors are considered experienced (6.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banca Transilvania S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banca Transilvania S.A.
- Ticker: 0DP9
- Exchange: LSE
- Founded: 1993
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: RON13.254b
- Shares outstanding: 5.17b
- Website: https://www.bancatransilvania.ro
Number of Employees
- Banca Transilvania S.A.
- Cluj, str. G. Baritiu nr.8
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|TLV||BVB (Bucharest Stock Exchange)||Yes||Common Shares||RO||RON||Dec 1998|
|0DP9||LSE (London Stock Exchange)||Yes||Common Shares||GB||RON||Dec 1998|
Banca Transilvania S.A. provides various banking products and services. The company’s Large Corporate Clients segment offers transaction banking, treasury, trade finance, and retail products; and leasing, asset management, merger and acquisition consultancy, and capital market advisory services to companies, legal and public entities, and financial institutions. The company’s Medium Corporate Customers segment provides lending, current, and treasury services; bonus, structured finance, and co-financing of EU funded projects; and bancassurance, and financial and operating leases. Its Small and Medium Enterprises Clients segment offers services to companies that have undergone the incipient growth stages and whose business activity requires further attention. The company’s Micro Business Clients segment offers loans for working capital or investments, letters of guarantee, EU project co-financing, credit cards, leasing, invoice discounting, or factoring services. It also provides general and FX services, incoming and outgoing payments, cheques, promissory notes, salary payment agreements, or bancassurance services. The company’s Retail Customers segment offers savings and deposit accounts; consumer, car purchase, personal need, and mortgage loans; and payment and securities trading services. Its Treasury segment provides various treasury services. The company’s Leasing and Consumer Loans Granted by Non-Banking Financial Institutions segment offers lease facilities, consumer loans, and microfinance services. Its Other segment provides asset management, brokerage, factoring, and real estate services. The company operates an office in Cluj-Napoca, 54 branches, 435 agencies, 20 bank units, and 7 healthcare division units in Romania; 2 private banking agencies in Romania and Italy; and 1 regional office in Bucharest. Banca Transilvania S.A. was founded in 1993 and is headquartered in Cluj-Napoca, Romania.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/17 21:22|
|End of Day Share Price||2019/12/06 00:00|
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 here.