How does BAVL's PE Ratio compare to its peers?

BAVL is good value based on its Price-To-Earnings Ratio (3.5x) compared to the peer average (6.1x).

How does BAVL's PE Ratio compare vs other companies in the European Banks Industry?

BAVL is good value based on its Price-To-Earnings Ratio (3.5x) compared to the European Banks industry average (7.7x).

What is BAVL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate BAVL's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of BAVL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BAVL (UAH0.34) is trading below our estimate of [[fair value]] (UAH0.42)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

BAVL Stock Overview

Provides various banking products and services to private and corporate clients, and businesses in Ukraine. More details

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

Rewards

Trading at 19.5% below our estimate of its fair value

Earnings grew by 46.6% over the past year

Risk Analysis

No risks detected for BAVL from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Raiffeisen Bank JSC Competitors

ProCredit Holding

XTRA:PCZ

€464.1m

DCB Bank

NSEI:DCBBANK

₹39.2b

Hatton National Bank

COSE:HNB.N0000

LK₨149.8b

National Bank of Pakistan

KASE:NBP

PK₨141.2b

Price History & Performance

Summary of share price highs, lows and changes for Raiffeisen Bank JSC
Historical stock prices
Current Share Price	₴0.34
52 Week High	₴0
52 Week Low	₴0
Beta	0.11
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	10.39%
Change since IPO	-66.67%

Recent updates

Shareholder Returns

	BAVL	UA Banks	UA Market
7D	0%	0.2%	-1.1%
1Y	n/a	21.4%	3.4%

Return vs Industry: Insufficient data to determine how BAVL performed against the UA Banks industry.

Return vs Market: Insufficient data to determine how BAVL performed against the UA Market.

Price Volatility

Is BAVL's price volatile compared to industry and market?
BAVL volatility
BAVL Average Weekly Movement	2.9%
Banks Industry Average Movement	3.0%
Market Average Movement	4.5%
10% most volatile stocks in UA Market	9.8%
10% least volatile stocks in UA Market	2.4%

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

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

About the Company

Founded	Employees	CEO	Website
1992	5,433	Oleksandr Pysaruk	raiffeisen.ua

Raiffeisen Bank JSC provides various banking products and services to private and corporate clients, and businesses in Ukraine. It operates through four segments: Corporate and Small Enterprises, Micro Customers and Private Individuals, Financial Institutions, and Proprietary Business. The company offers current accounts; accounts for an individual entrepreneur; deposits; cash, repayment, consumer, investment, and other loans; lending for farmers; bank guarantees; energy efficiency and working capital financing; payment, salary, and credit cards; and custody services.

Raiffeisen Bank JSC Fundamentals Summary

How do Raiffeisen Bank JSC's earnings and revenue compare to its market cap?
BAVL fundamental statistics
Market cap	₴20.91b
Earnings (TTM)	₴6.00b
Revenue (TTM)	₴20.30b

3.5x

P/E Ratio

0.8x

P/B Ratio

Is BAVL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BAVL income statement (TTM)
Revenue	₴20.30b
Cost of Revenue	₴1.09b
Gross Profit	₴19.21b
Other Expenses	₴13.21b
Earnings	₴6.00b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.097
Gross Margin	94.61%
Net Profit Margin	29.53%
Debt/Equity Ratio	0.01%

How did BAVL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 16:54
End of Day Share Price	2024/12/10 00:00
Earnings	2024/06/30
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

Raiffeisen Bank JSC is covered by 4 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
Vitaliy Vavryshchuk	BG Capital (Ukraine)
Andriy Bespyatov	Dragon Capital
Dmitry Churin	Eavex Capital

Raiffeisen Bank JSC UKR:BAVL Stock Report