Banca Transilvania SA

Banca Transilvania SA

BBVB:TLV
36.40
RON
-0.20
(-0.55%)
3.88EPS
9.15P/E
42.26BMarket Cap
Nov 20Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.91
0.94
1.49
1.85
2.33
3.21
4.15
3.69
3.54
4.56
6.21
8.04
9.5
9.51
Basic EPS, GAAP
0.64
0.19
1.23
0.77
1
1
1.57
1.11
1.42
1.71
2.32
3.65
3.59
3.71
Free Cash Flow per Basic Share
-0.38
0.75
1.23
1.77
3.42
5.69
6.74
10.48
8.59
-2.62
4.32
-3.64
-0.45
-11.43
Dividend per Share
- -
- -
- -
0.7
0.2
0.49
0.72
0.48
0.36
0.57
0.72
0.75
1.69
1.4
Book Value per Share
2.6
3.04
5
4.92
5.71
6.1
7.09
8.05
7.37
7.16
10.62
13.34
17.98
18.8
Tangible Book Value per Share
2.53
2.98
4.94
4.85
5.61
5.87
6.89
7.79
7.05
6.63
9.94
12.43
16.84
17.54
Basic Weighted Avg Shares
625
2,267
1,983
1,645
1,243
1,245
1,131
1,245
1,397
1,406
1,246
1,247
1,246
1,335
Sales/Revenue/Turnover
1,820
2,130
2,950
3,049
2,899
3,994
4,695
4,598
4,940
6,416
7,733
10,018
11,840
12,700
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
65
66
92
94
125
163
311
328
358
393
451
517
558
561
Net Income, GAAP
397
441
2,446
1,272
1,239
1,250
1,781
1,380
1,983
2,404
2,890
4,555
4,479
4,950
Effective Tax Rate (%)
14.94
14.19
- -
- -
13.87
26.14
13.31
12.23
12.08
11.16
19.47
13.08
15.41
15.93
Profit Margin (%)
21.8
20.71
82.92
41.74
42.76
31.29
37.94
30.02
40.15
37.48
37.37
45.46
37.83
38.97
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
871
946
1,271
1,248
1,644
3,112
3,562
3,731
3,690
5,264
12,142
15,185
18,168
19,955
Total Equity
3,183
3,797
6,241
6,153
7,140
7,880
9,214
10,414
10,564
9,472
13,897
17,437
23,298
24,398
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.35
10
- -
- -
15.28
12.53
14.43
9.93
13.68
16.01
13.71
14.93
11.6
12.15
Return on Common Equity (%)
13.32
12.65
48.79
20.57
18.69
16.99
21.7
14.64
19.72
25.29
26.1
30.53
22.95
24.38

Capital Structure

RON

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,246
1,246
1,246
Market Capitalization
32,890
38,989
42,257

Working Capital

RON

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
39,768
40,067
34,957
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

RON

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.19%
19.38%
33.61%
Free Cash Flow
-44.59%
-131.31%
-87.57%
Net Income, GAAP
11.14%
28.21%
-1.67%
Sales/Revenue/Turnover
15.73%
21.12%
18.18%
Total Cash Common Dividend
- -
37.28%
125.37%

Quarterly Revenue

RON

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,288
2,361
2,648
2,725
10,018
2025
2,745
2,793
3,091
3,216
11,840
2026
3,084
3,309
- -
- -
- -

Quarterly Earnings Per Share

RON

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.71
0.58
1.37
0.64
3.65
2025
0.6
0.76
1
1.04
3.59
2026
0.77
0.92
- -
- -
- -

Quarterly Dividends Per Share

RON

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.54
- -
0.01
0.75
2025
- -
1
0.02
0.53
1.69
2026
- -
0.84
- -
- -
- -

Company Description

CEO
Ömer Tetik
Full Time Employees
13,361
Sector
Finance
Industry
Major banks
Address
Cluj Napoca Romania
IPO Date
Aug 11, 2008
Business
Banca Transilvania SA is a Romania-based universal financial institution that provides a comprehensive range of retail, corporate, investment, and digital banking products and financial services to individual consumers, small and medium-sized enterprises, and large corporate clients. The company operates through multiple core business segments, including Retail Banking, SME Banking, Large Corporate Banking, Treasury and Financial Markets, and Non-Banking Financial Services. Its product and service portfolio includes deposit accounts, such as current accounts, high-yield savings accounts, and fixed-term deposits; lending solutions, including residential mortgage loans, personal consumer loans, auto loans, working capital credit facilities, investment loans, syndicated financing, and structured debt; card and transaction services, consisting of debit and credit cards, merchant acquiring solutions, point-of-sale and e-commerce payment gateways, domestic and cross-border funds transfers, and digital wallet payments via the BT Pay application; digital banking platforms, including NeoBT and BT24 Internet and Mobile Banking; trade finance and treasury services, encompassing letters of credit, bank guarantees, factoring, supply chain financing, foreign exchange transactions, cash management, and interest rate and currency risk hedging; wealth and asset management, comprising private banking, discretionary portfolio management, and mutual funds through BT Asset Management SAI; capital markets and advisory services, including securities brokerage, equity and debt underwriting, and mergers and acquisitions advisory through BT Capital Partners; and specialized non-banking financial products, including equipment and vehicle leasing through BT Leasing, microfinance through BT Microfinantare, consumer financing through BT Direct, and voluntary pension fund management through BT Pensii. Founded in 1993 and headquartered in Cluj-Napoca, Romania, the company operates an extensive nationwide branch network across Romania, maintains cross-border branches in Italy and Germany to serve the Romanian diaspora, and conducts regional banking operations in the Republic of Moldova through its subsidiary, BC Victoriabank SA. In recent developments, Banca Transilvania completed the acquisition of OTP Bank Romania SA, along with its subsidiaries OTP Leasing Romania and OTP Asset Management, from Hungary-based OTP Bank Group, substantially reinforcing its position as the largest banking group in Romania. Additionally, the group launched Salt Bank, a fully digital neo-bank built on the restructured infrastructure of Idea::Bank Romania in partnership with Engine by Starling, and issued international senior non-preferred MREL-compliant bonds across European capital markets to support regulatory capital targets and sustainable lending initiatives.