1. Slovenia Stocks

  2. •

    Finance

  3. •

    Major banks
Nova Ljubljanska banka d.d.

Nova Ljubljanska banka d.d.

42.70
EUR
-0.40
(-0.93%)
9.03P/E
Nov 05Next Earn
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
25.18
24.98
25.55
5.05
5,376.1
5.08
7.01
8.31
11.53
12.93
13.57
13.77
Basic EPS, GAAP
4.6
5.5
11.25
2.04
1,940.01
2.7
2.36
4.47
5.51
5.15
5.03
4.81
Free Cash Flow per Basic Share
-7.84
12.18
3.47
6.46
7,020.58
11.72
14.27
-1.5
13.38
-8.68
3.61
4.84
Dividend per Share
0.05
2.33
3.38
2.74
1,475.67
- -
1.01
1.05
1.15
2.29
2.66
1.29
Book Value per Share
71.14
74.77
82.68
80.81
84.29
97.64
103.94
118.28
144.14
161.3
189.08
194.75
Tangible Book Value per Share
69.17
73.07
80.93
79.06
82.32
94.56
100.98
115.37
141.04
156.27
183.29
188.79
Basic Weighted Avg Shares
20
20
20
100
- -
100
100
100
100
100
100
100
Sales/Revenue/Turnover
504
500
511
505
536
508
701
831
1,153
1,293
1,357
1,377
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
32
28
28
27
31
32
47
47
49
58
68
67
Net Income, GAAP
92
110
225
204
194
270
236
447
551
515
503
481
Effective Tax Rate (%)
10.66
11.47
1.68
9.33
6.3
1.86
5.18
5.22
2.61
12.81
12.58
12.59
Profit Margin (%)
18.25
22.02
44.05
40.33
36.09
53.06
33.71
53.75
47.77
39.81
37.07
34.94
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,004
760
381
340
470
564
1,245
1,121
1,607
1,870
2,419
2,079
Total Equity
1,450
1,526
1,688
1,657
1,731
2,123
2,216
2,422
2,948
3,298
3,860
3,973
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
7.54
14.3
12.46
11.72
14.82
11.73
20.11
20.99
16.85
14.36
13.21

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
722
848
869

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,419
4,341
3,601
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.54%
12.86%
17.05%
Free Cash Flow
-80.83%
-277.62%
-141.65%
Net Income, GAAP
24.03%
18.22%
-2.23%
Sales/Revenue/Turnover
11.36%
22.46%
4.99%
Total Cash Common Dividend
- -
- -
16.25%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
317
315
327
334
1,293
2025
332
336
336
353
1,357
2026
336
352
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.4
1.52
1.36
- -
5.15
2025
1.26
1.49
1.32
- -
5.03
2026
1.19
1.33
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
1.15
- -
- -
2.29
2025
0.04
1.33
- -
- -
2.66
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Blaž Brodnjak
Full Time Employees
8,107
Sector
Finance
Industry
Major banks
Address
Trg republike 2 Ljubljana LN Slovenia 1000
IPO Date
Nov 14, 2018
Website
nlb.si
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Business
Nova Ljubljanska Banka d.d. delivers a comprehensive suite of banking and financial solutions to individual and business customers across Slovenia, Southeast Europe, and wider European markets. As the largest banking and financial group headquartered in Slovenia and with a strategic focus on the Southeast European region, it extends its reach through a substantial network of branches and subsidiaries. The institution's operations are structured across key divisions, encompassing retail and corporate banking within Slovenia, strategic international markets, financial market activities, and other group functions. The bank provides a diverse array of offerings, including various deposit products such as savings and current accounts, alongside an extensive range of credit facilities like personal, residential, and sustainable green loans, as well as tailored financing for businesses. Furthermore, its portfolio features an assortment of payment cards, comprehensive investment services that cover securities trading, treasury instruments, and investment funds, in addition to a wide spectrum of insurance products. Complementary financial services include leasing, asset management, and payment processing. NLB Group has a strong emphasis on digital transformation, with ongoing initiatives to enhance operational efficiency and client experience, targeting significant digital penetration by 2030. Demonstrating robust financial health, the Group reported a profit after tax of €274.4 million for the first half of 2025 and an 11% year-over-year increase in total assets to €29.57 billion. Recent strategic moves include the successful issuance of Additional Tier 1 Notes in November 2025 and the merger of NLB Lease&Go and Summit Leasing Slovenia in July 2025, following its acquisition in 2024. Established in 1889, the bank maintains its central operations in Ljubljana, Slovenia.