GRANIT Bank Nyilvanosan Mukodo Reszvenytarsasag

GRANIT Bank Nyilvanosan Mukodo Reszvenytarsasag

BBUD:GRNT
8,440.00
HUF
+140.00
(+1.69%)
825.86EPS
12.72P/E
166.45BMarket Cap
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
336.32
375.73
475.61
745.89
1,635.94
2,844.28
3,383.29
3,148.57
2,620.95
Basic EPS, GAAP
61.23
65.79
95.84
230.75
675.12
1,179.06
1,218.83
894.66
723.09
Free Cash Flow per Basic Share
-17.84
-11.5
7,225.27
2,002.9
4,718.61
22,719.86
10,130.91
-2,570.72
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
708.25
782.11
1,224.05
1,402.76
2,182.73
4,624.73
7,974.46
8,916.54
- -
Tangible Book Value per Share
670.26
734.93
1,142.31
1,275.02
1,846.54
3,758.98
6,929.57
7,569.3
- -
Basic Weighted Avg Shares
17
17
17
17
17
17
16
19
19
Sales/Revenue/Turnover
5,674
6,339
8,024
12,584
27,600
47,986
53,341
60,525
49,730
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
139
303
471
572
987
1,804
3,114
3,692
- -
Net Income, GAAP
1,033
1,110
1,617
3,893
11,390
19,892
19,216
17,198
13,720
Effective Tax Rate (%)
16.13
18.75
18.25
15.17
13.96
13.09
9.67
14.92
15.66
Profit Margin (%)
18.21
17.51
20.15
30.94
41.27
41.45
36.02
28.41
27.59
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20,322
53,566
22,506
34,356
74,836
99,948
136,152
167,110
- -
Total Equity
13,293
14,539
20,651
26,676
59,100
81,520
148,075
165,018
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2.17
2.91
7.44
11.22
11.54
7.42
4.98
- -
Return on Common Equity (%)
- -
8.83
9.56
17.57
37.66
34.64
17.29
11.26
- -

Capital Structure

HUF

•

in mil. unless spec.
Jun'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19
18
18
Market Capitalization
234,522
226,149
166,445

Working Capital

HUF

•

in mil. unless spec.
Jun'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
653,201
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

HUF

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
56.35%
11.44%
Free Cash Flow
- -
51.11%
-130.94%
Net Income, GAAP
- -
78.81%
-10.5%
Sales/Revenue/Turnover
- -
54.93%
13.47%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
7,700
- -
13,200
53,341
2025
12,070
7,490
- -
15,300
60,525
2026
14,870
- -
- -
- -
- -

Quarterly Earnings Per Share

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
213.38
- -
315.06
1,218.83
2025
59
291.32
- -
270.84
894.66
2026
108
- -
- -
- -
- -

Quarterly Dividends Per Share

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Éva Hegedus
Sector
Finance
Industry
Regional banks
Address
Budapest Hungary
Business
GRANIT Bank Nyilvanosan Mukodo Reszvenytarsasag operates as a digital-first commercial bank providing retail, corporate, and investment banking solutions primarily in Hungary and across the Central and Eastern European region. The bank operates through three principal business segments: Retail Banking, Corporate Banking, and Investment and Wealth Management. Its Retail Banking segment offers digital and mobile account opening with biometric verification; domestic and multi-currency current accounts; fixed-rate and indexed term deposits; residential mortgage loans, home improvement financing, and government-subsidized retail lending facilities; unsecured digital personal loans; debit and credit card issuance with digital wallet integration; and domestic and cross-border wire transfer and payment services. Its Corporate Banking segment provides business checking and escrow accounts; working capital financing and revolving credit lines; structured investment loans and project financing; subsidized enterprise loans under national credit frameworks such as the Szechenyi Card Program; cash management, liquidity optimization, and factoring services; commercial documentary operations; and treasury services, including foreign currency spot, forward, and derivative hedging solutions. Its Investment and Wealth Management segment offers securities brokerage and custody services; domestic government debt, corporate bond, and equities trading; private banking and discretionary asset management; and third-party and proprietary mutual fund distribution. Founded in 2010 and headquartered in Budapest, Hungary, the institution delivers its services predominantly through proprietary mobile banking applications, web platforms, and its integrated video banking system. In recent strategic developments, the company converted into a public limited company and listed its shares and debt securities on the Budapest Stock Exchange. The institution expanded its geographic presence internationally by launching digital banking services in Romania to offer cross-border retail financial services. Additionally, the bank strengthened its wealth management and capital markets capabilities through strategic integrations with Diofa Asset Management (Diofa Alapkezelo) and Equilor Investment Ltd. (Equilor Befektetesi), expanded its portfolio of sustainable green mortgages and corporate ESG loans, and deployed artificial intelligence-based customer service and automated credit assessment tools.