0KVH Stock Overview

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

0KVH fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	2/6
Financial Health	5/6
Dividends	3/6

Rewards

Trading at 35.3% below our estimate of its fair value

Earnings are forecast to grow 4.43% per year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

BRD - Groupe Société Générale S.A. Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.5b

Close Brothers Group

LSE:CBG

UK£337.0m

Price History & Performance

Summary of share price highs, lows and changes for BRD - Groupe Société Générale
Historical stock prices
Current Share Price	RON 19.10
52 Week High	RON 19.10
52 Week Low	RON 19.10
Beta	0.79
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	24.84%
Change since IPO	48.29%

Recent updates

Shareholder Returns

	0KVH	GB Banks	GB Market
7D	0%	1.4%	1.6%
1Y	n/a	35.1%	4.6%

Return vs Industry: Insufficient data to determine how 0KVH performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0KVH performed against the UK Market.

Price Volatility

Is 0KVH's price volatile compared to industry and market?
0KVH volatility
0KVH Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.7%
10% least volatile stocks in GB Market	2.5%

Stable Share Price: 0KVH's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0KVH's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1990	5,870	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 agricultural loans; credit and debit cards; and transfers, 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?
0KVH fundamental statistics
Market cap	RON 13.35b
Earnings (TTM)	RON 1.52b
Revenue (TTM)	RON 3.88b

8.8x

P/E Ratio

1.5x

P/B Ratio

Is 0KVH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0KVH income statement (TTM)
Revenue	RON 3.88b
Cost of Revenue	RON 0
Gross Profit	RON 3.88b
Other Expenses	RON 2.36b
Earnings	RON 1.52b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 06, 2025

Earnings per share (EPS)	2.18
Gross Margin	100.00%
Net Profit Margin	39.19%
Debt/Equity Ratio	99.9%

How did 0KVH perform over the long term?

See historical performance and comparison

Dividends

4.8%

Current Dividend Yield

42%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/07 22:37
End of Day Share Price	2024/11/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

BRD - Groupe Société Générale S.A. is covered by 17 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
Mihai Anghelescu	Alpha Finance Romania
Andreas Markou	Berenberg
Hai Le Phuong	ConCorde Securities Ltd.

BRD - Groupe Société Générale LSE:0KVH Stock Report