ADBKF Stock Financial Analysis - Addiko Bank AG (OTCPK) Stock

Overview

Addiko Bank AG, headquartered in Austria, operates predominantly in the banking and financial services industry. The bank chiefly serves the Central and Eastern European (CEE) markets with a focus on retail and small and medium-sized enterprise (SME) sectors. It is structured around providing straightforward banking solutions, with an emphasis on consumer loans and payment services. Key projects for Addiko Bank AG include its specialized approach to digital banking, offering efficient, direct banking channels that enhance customer experience and operational efficiency. Notably, the bank undergoes continual transformation, with recent strategic priorities geared towards expanding its digital offerings and improving cost efficiency to strengthen its market position within the competitive European banking landscape.

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 Addiko Bank AG as of June 30, 2025 is 275.40 MM.
The operating income for Addiko Bank AG as of June 30, 2025 is 76.00 MM.
The net income for Addiko Bank AG as of June 30, 2025 is 43.90 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	275.40	76.00	43.90
2025-03-31	278.00	77.30	44.30
2024-12-31	277.10	77.50	45.40
2024-09-30	280.80	84.40	48.70
2024-06-30	287.30	90.10	47.10
2024-03-31	286.40	94.60	47.00
2023-12-31	276.60	88.00	41.10
2023-09-30	265.70	66.40	36.20
2023-06-30	250.40	70.10	32.60
2023-03-31	234.60	59.60	28.90
2022-12-31	229.30	57.40	25.70
2022-09-30	227.60	53.00	23.60
2022-06-30	223.70	52.40	20.10
2022-03-31	224.70	52.60	15.10
2021-12-31	222.30	47.00	13.60
2021-09-30	212.10	39.00	17.40
2021-06-30	212.40	36.10	19.70
2021-03-31	198.10	24.60	14.80
2020-12-31	191.50	19.00	1.40
2020-09-30	227.80	56.40	5.30
2020-06-30

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	2.35
2024-09-30	2.52	2.52
2024-06-30	2.44	2.44
2024-03-31	2.42	2.42
2023-12-31	2.12
2023-09-30	1.86	1.86
2023-06-30	1.68	1.68
2023-03-31
2022-12-31	1.32
2022-09-30	1.22	1.22
2022-06-30	1.03	1.04
2022-03-31
2021-12-31	0.70	0.70
2021-09-30
2021-06-30	1.01	1.01
2021-03-31
2020-12-31	0.07	0.07
2020-09-30
2020-06-30	0.14	0.13

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Addiko Bank AG as of June 30, 2025 is 204.80 MM.
The cash from investing activities for Addiko Bank AG as of June 30, 2025 is -267.20 MM.
The cash from financing activities for Addiko Bank AG as of June 30, 2025 is -5.10 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	204.80	-267.20	-5.10
2025-03-31
2024-12-31	363.50	-333.80	-33.00
2024-09-30
2024-06-30	268.80	-237.00	-33.90
2024-03-31
2023-12-31	174.60	-271.70	-31.60
2023-09-30
2023-06-30	326.30	-351.20	-31.90
2023-03-31
2022-12-31	211.40	-182.90	-6.70
2022-09-30
2022-06-30	79.30	0.30	-45.10
2022-03-31
2021-12-31	258.60	-2.70	-52.50
2021-09-30
2021-06-30	199.30	-6.40	-13.10
2021-03-31
2020-12-31	277.70	-7.90	-6.90
2020-09-30
2020-06-30

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

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

Management Effectiveness

The roa for Addiko Bank AG as of June 30, 2025 is 0.01.
The roe for Addiko Bank AG as of June 30, 2025 is 0.05.
The roic for Addiko Bank AG as of June 30, 2025 is 0.05.
The croic for Addiko Bank AG as of June 30, 2025 is -0.00.
The ocroic for Addiko Bank AG as of June 30, 2025 is 0.41.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.05	0.05	-0.00	0.41
2025-03-31	0.01	0.06	0.05	-0.00	0.42
2024-12-31	0.01	0.06	0.06	-0.00	0.32
2024-09-30	0.01	0.06	0.06	-0.00	0.32
2024-06-30		0.06
2024-03-31		0.06
2023-12-31			0.05	-0.07
2023-09-30			0.04	-0.07
2023-06-30		0.04
2023-03-31		0.04
2022-12-31
2022-09-30		0.00
2022-06-30		0.00	0.00
2022-03-31		0.00
2021-12-31			0.00
2021-09-30	0.00	0.02
2021-06-30	0.00		0.02	0.21	0.22
2021-03-31	0.00	0.02	0.02	0.29	0.31
2020-12-31	0.00		0.05	9.81	10.24
2020-09-30	0.00	0.01	0.01	0.08	0.11
2020-06-30	0.00	0.00	0.00	0.08	0.11

Gross Margins

The gross margin for Addiko Bank AG as of June 30, 2025 is 1.00.
The net margin for Addiko Bank AG as of June 30, 2025 is 0.16.
The operating margin for Addiko Bank AG as of June 30, 2025 is 0.28.

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	0.16	0.28
2025-03-31	1.00	0.16	0.28
2024-12-31	1.00	0.17	0.30
2024-09-30	1.00	0.16	0.31
2024-06-30
2024-03-31
2023-12-31
2023-09-30		0.13	0.28
2023-06-30		0.13	0.28
2023-03-31		0.12	0.25
2022-12-31
2022-09-30		0.00	0.00
2022-06-30		0.00	0.00
2022-03-31
2021-12-31
2021-09-30
2021-06-30	1.00	0.09	0.16
2021-03-31	1.00	0.07	0.14
2020-12-31	1.00	0.01	0.03
2020-09-30	1.00	0.02	0.25
2020-06-30	1.00	0.01	0.14

AT:ADKO
GB:ADKOV
DE:ZYE1	€21.40