N1V2 Stock Financial Analysis - Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) (DB) Stock

Overview

Nova Ljubljanska Banka d.d. (NLB) is a prominent financial institution based in Slovenia and operates extensively within the banking sector. As the largest bank in Slovenia, NLB provides a comprehensive range of financial services including retail and corporate banking, wealth management, and investment services. One of NLB’s significant projects includes expanding its digital banking services and enhancing its digital platforms to better serve the evolving needs of its customers and strengthen its market position in South-Eastern Europe. Furthermore, NLB is actively involved in various sustainability and community-oriented initiatives, aiming to integrate corporate responsibility deeply into its business operations. These strategic activities underscore NLB's commitment to innovation and community engagement within the banking industry.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 1,305.95 MM.
The operating income for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 647.16 MM.
The net income for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 496.90 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,305.95	647.16	496.90
2025-03-31	1,281.03	641.95	500.37
2024-12-31	1,277.04	658.37	514.55
2024-09-30	1,292.52	698.12	591.30
2024-06-30	1,257.01	690.19	600.03
2024-03-31	1,211.30	666.49	570.58
2023-12-31	1,180.45	640.32	550.70
2023-09-30	1,072.76	567.88	456.01
2023-06-30	1,002.00	504.38	402.55
2023-03-31	918.25	427.08	345.19
2022-12-31	812.26	348.15	446.86
2022-09-30	761.33	309.11	408.67
2022-06-30	714.79	275.32	383.61
2022-03-31	722.91	298.25	393.61
2021-12-31	722.91	304.01	236.40
2021-09-30	674.25	298.40	370.59
2021-06-30	608.24	261.99	335.84
2021-03-31	539.09	223.86	316.00
2020-12-31	460.28	167.31	269.71
2020-09-30	474.80	171.90	135.97
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	25.73
2024-09-30	29.56	29.53
2024-06-30	29.99	29.96
2024-03-31	28.52	28.49
2023-12-31	27.54	27.50
2023-09-30	22.80	22.76
2023-06-30	20.13	20.09
2023-03-31	17.26	17.22
2022-12-31	22.34	22.30
2022-09-30	20.43	20.41
2022-06-30	19.18	19.16
2022-03-31	19.68	19.66
2021-12-31	11.82	11.80
2021-09-30	18.54	18.55
2021-06-30	16.80	16.82
2021-03-31	15.78	15.80
2020-12-31	13.49	13.50
2020-09-30	6.80	6.82
2020-06-30	8.64	8.66
2020-03-31	7.71	7.73

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is -2,593.92 MM.
The cash from investing activities for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is -824.22 MM.
The cash from financing activities for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 2,365.35 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-2,593.92	-824.22	2,365.35
2025-03-31	-2,477.74	-1,053.82	1,986.02
2024-12-31	-2,173.78	-1,338.22	1,366.72
2024-09-30	-1,692.84	-1,230.34	1,138.99
2024-06-30	-836.40	-1,067.44	1,305.83
2024-03-31	-197.20	-950.72	1,420.44
2023-12-31	553.08	-638.29	1,222.72
2023-09-30	315.69	-475.41	1,446.68
2023-06-30	462.66	-354.17	1,573.51
2023-03-31	161.54	-241.38	696.36
2022-12-31	-584.79	-41.19	943.68
2022-09-30	-771.50	-48.95	733.88
2022-06-30	-900.28	208.47	128.22
2022-03-31	-840.68	138.38	1,584.90
2021-12-31	-643.88	-337.34	2,006.48
2021-09-30	-284.10	165.76	2,074.56
2021-06-30	-342.77	-88.90	2,226.20
2021-03-31	90.92	167.71	1,619.94
2020-12-31	-123.97	586.48	1,412.81
2020-09-30	-209.81	184.29	1,563.49
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 0.02.
The roe for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 0.16.
The roic for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 0.09.
The croic for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is -0.26.
The ocroic for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is -0.42.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.02	0.16	0.09	-0.26	-0.42
2025-03-31	0.02	0.16	0.10	-0.34	-0.33
2024-12-31	0.02	0.17	0.11	-0.34	-0.33
2024-09-30	0.02	0.21	0.11	-0.11	-0.16
2024-06-30	0.02	0.22	0.12	0.06	-0.04
2024-03-31	0.02	0.23	0.12	0.28	0.07
2023-12-31	0.02	0.19	0.10	0.29	0.07
2023-09-30	0.02	0.17	0.09	0.40	0.11
2023-06-30	0.02	0.17	0.09	0.39	0.11
2023-03-31	0.01	0.15	0.09	0.17	0.04
2022-12-31	0.02	0.18	0.12	-0.02	-0.14
2022-09-30	0.02	0.18	0.12	-0.02	-0.14
2022-06-30	0.02	0.17	0.10	-0.15	-0.24
2022-03-31	0.02	0.18	0.09	0.19	-0.18
2021-12-31	0.01	0.11	0.06	0.24	-0.15
2021-09-30	0.02	0.20	0.10	0.54	-0.08
2021-06-30	0.02	0.19	0.09	0.50	-0.09
2021-03-31	0.02	0.18	0.11	0.66	0.03
2020-12-31	0.02	0.16	0.10	0.67	-0.04
2020-09-30	0.01	0.08	0.06	0.63	-0.09
2020-06-30	0.01	0.11	0.07	0.65	-0.06
2020-03-31	0.01	0.09	0.06	0.22	-0.16

Gross Margins

The gross margin for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 1.00.
The net margin for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 0.39.
The operating margin for Nova Ljubljanska Banka d.d. - Depositary Receipt (Common Stock) as of 30 June 2025 is 0.50.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.39	0.50
2025-03-31	1.00	0.42	0.49
2024-12-31	1.00	0.47	0.55
2024-09-30	1.00	0.49	0.56
2024-06-30	1.00	0.48	0.56
2024-03-31	1.00	0.50	0.52
2023-12-31	1.00	0.43	0.53
2023-09-30	1.00	0.40	0.50
2023-06-30	1.00	0.40	0.50
2023-03-31	1.00	0.38	0.47
2022-12-31	1.00	0.54	0.41
2022-09-30	1.00	0.54	0.41
2022-06-30	1.00	0.53	0.39
2022-03-31	1.00	0.56	0.41
2021-12-31	1.00	0.34	0.40
2021-09-30	1.00	0.56	0.43
2021-06-30	1.00	0.56	0.42
2021-03-31	1.00	0.60	0.41
2020-12-31	1.00	0.61	0.34
2020-09-30	1.00	0.29	0.36
2020-06-30	1.00	0.33	0.36
2020-03-31	1.00	0.30	0.34