0RIR Stock Overview

Through its subsidiaries, provides various banking products and services to private and business customers in Estonia and United Kingdom. More details

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

Rewards

Trading at 24.6% below our estimate of its fair value

Earnings have grown 36.9% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

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AS LHV Group Competitors

Lion Finance Group

LSE:BGEO

UK£2.2b

TBC Bank Group

LSE:TBCG

UK£2.2b

Close Brothers Group

LSE:CBG

UK£460.4m

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.5b

Price History & Performance

Summary of share price highs, lows and changes for AS LHV Group
Historical stock prices
Current Share Price	€3.85
52 Week High	€3.85
52 Week Low	€3.71
Beta	0.82
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	256.02%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0RIR	GB Banks	GB Market
7D	3.6%	1.6%	-0.2%
1Y	n/a	54.1%	10.8%

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

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

Price Volatility

Is 0RIR's price volatile compared to industry and market?
0RIR volatility
0RIR Average Weekly Movement	n/a
Banks Industry Average Movement	4.0%
Market Average Movement	4.6%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.6%

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

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

About the Company

Founded	Employees	CEO	Website
1999	1,215	Madis Toomsalu	www.lhv.ee

AS LHV Group, through its subsidiaries, provides various banking products and services to private and business customers in Estonia and United Kingdom. The company operates through Retail Banking, Corporate Banking, Asset Management, Hire Purchase and Consumer Finance, Financial Intermediaries, and Insurance segments. It offers demand and fixed-term deposits; pension investment, growth, startup, and securities accounts; cash pool, entrepreneur, non-resident, foreign exchange, and child accounts; leasing and hire purchase; and guarantees, letters of credit, documentary collection, and factoring services.

AS LHV Group Fundamentals Summary

How do AS LHV Group's earnings and revenue compare to its market cap?
0RIR fundamental statistics
Market cap	€1.20b
Earnings (TTM)	€148.97m
Revenue (TTM)	€322.04m

8.1x

P/E Ratio

1.8x

P/B Ratio

Is 0RIR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0RIR income statement (TTM)
Revenue	€322.04m
Cost of Revenue	€0
Gross Profit	€322.04m
Other Expenses	€173.08m
Earnings	€148.97m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Mar 04, 2025

Earnings per share (EPS)	0.46
Gross Margin	100.00%
Net Profit Margin	46.26%
Debt/Equity Ratio	155.3%

How did 0RIR perform over the long term?

See historical performance and comparison

Dividends

3.5%

Current Dividend Yield

29%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/19 02:26
End of Day Share Price	2025/02/13 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

AS LHV Group is covered by 2 analysts. 0 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
Andrej Rodionov	Swedbank AS
Andrej Rodionov	Swedbank Large Corporates & Institutions