CrediaBank S.A.

CrediaBank S.A.

0.95
EUR
-0.03
(-3.32%)
0.02EPS
60.59P/E
2.29BMarket Cap
Nov 12Next 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
907,730.03
1,678,246.59
61,248.38
32,530.59
52,524.35
6,334.85
7,896.88
-8,584.09
-170.9
-2,028.75
0.26
0.33
0.16
0.16
Basic EPS, GAAP
-1,688,012.24
-808,501.85
-210,665.88
-18,887.64
-3,692.26
-115.64
557.81
-34,195.29
-3,177.89
-4,225.79
0.06
-0.73
0.01
0.02
Free Cash Flow per Basic Share
-6,225,162.31
-1,314,008.83
-412,549.39
-9,618.29
136,938.52
12,897.31
16,685.38
17,447.5
3,870.1
-1,644.94
-0.28
-0.45
-0.11
-0.02
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
4,338,205.01
3,519,304.65
180,579.59
146,678.79
146,695.6
32,746.12
32,958.51
13,963.38
3,154.31
-451.06
3,688.75
0.5
0.56
0.64
Tangible Book Value per Share
3,957,032.6
3,075,683.88
168,941.02
134,691.19
133,839.4
29,383.23
29,430.19
10,116.2
2,602.97
-931.35
3,197.61
0.36
0.41
0.51
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
445
445
1,741
1,758
Sales/Revenue/Turnover
64
121
104
104
168
129
71
-77
-6
-186
114
145
277
288
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
6
6
6
7
8
13
13
16
17
16
20
32
32
Net Income, GAAP
-112
-50
-347
-50
- -
-2
5
-306
-105
-387
28
-325
15
33
Effective Tax Rate (%)
- -
- -
- -
- -
62.08
149.64
- -
- -
- -
- -
3.43
- -
76.26
59.92
Profit Margin (%)
-174.45
-41.29
-334.87
-47.64
0.26
-1.83
7.06
398.36
1,859.53
208.3
24.19
-224.34
5.49
11.57
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
79
79
780
1,015
14
117
119
119
115
114
111
189
256
224
Total Equity
410
355
680
634
633
491
494
209
331
-55
446
875
979
1,278
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
0.04
-0.38
- -
- -
- -
- -
8.96
- -
1.32
2.51
Return on Common Equity (%)
- -
-20.74
-85.64
-10.89
-2.22
-0.46
1.01
-87.13
-38.85
- -
- -
-49.25
1.64
2.96

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
1,741
1,741
1,996
Market Capitalization
- -
- -
2,291

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
683
357
753
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
-95.44%
-173.6%
11.82%
Free Cash Flow
-189.47%
-39.35%
-3.86%
Net Income, GAAP
-866.57%
-257.61%
-104.67%
Sales/Revenue/Turnover
283.41%
609.85%
91.04%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
29
29
34
53
145
2025
55
64
53
104
277
2026
61
69
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.01
-0.19
0.01
-0.73
2025
- -
- -
- -
- -
0.01
2026
- -
0.01
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

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

Company Description

CEO
Eleni Vrettou
Full Time Employees
1,202
Sector
Finance
Industry
Regional banks
Address
Athens Greece
IPO Date
Jun 2, 1964
Business
CrediaBank S.A., a commercial banking institution, provides a comprehensive suite of retail, corporate, and investment banking products and financial services to individual consumers, small and medium-sized enterprises (SMEs), and corporate entities primarily in Greece and Southeastern Europe. The company operates through several core business segments, including Retail Banking, Corporate and Commercial Banking, Wealth Management and Private Banking, and Treasury and Financial Markets. Its product and service portfolio encompasses deposit accounts, including demand deposits, savings accounts, fixed-term deposits, and payroll accounts; retail lending products, comprising residential mortgage loans, home equity lines of credit, unsecured personal loans, auto loans, and consumer credit lines; commercial financing facilities, such as working capital loans, term debt facilities, syndicated lending, commercial real estate financing, project finance, equipment leasing, and factoring solutions; payment and cash management services, including domestic and cross-border wire transfers, automated clearing house (ACH) payments, point-of-sale (POS) merchant acquiring, and electronic invoicing; card products, comprising consumer and commercial debit, credit, and prepaid payment cards; trade finance solutions, including letters of credit, documentary collections, bank guarantees, and export-import financing; wealth and asset management offerings, encompassing mutual funds, discretionary portfolio management, structured investment products, securities brokerage, and private banking advisory; and bancassurance products, covering life, health, property, casualty, credit protection, and business continuity insurance. The bank also provides digital banking infrastructure, including omni-channel mobile banking applications, internet banking platforms, automated teller machine (ATM) networks, and open banking application programming interface (API) integrations. In recent developments, CrediaBank S.A. has executed a series of strategic transformation initiatives, including a major corporate reorganization to streamline its branch operations and optimize digital distribution channels; the completion of a capital increase and Tier 2 subordinated debt issuance to bolster regulatory capital adequacy and support balance sheet expansion; the formation of strategic fintech partnerships to enhance artificial intelligence-driven credit scoring and expand instant payment capabilities; the acquisition and integration of specialized non-performing loan (NPL) portfolio servicing and digital consumer finance assets; and the rollout of green financing frameworks and sustainability-linked loan offerings aligned with environmental, social, and governance (ESG) banking standards. Founded in 1993, CrediaBank S.A. maintains its corporate headquarters in Athens, Greece, and serves its clients through an extensive nationwide branch network, digital platforms, and specialized corporate business centers.