NLB Banka AD Skopje

NLB Banka AD Skopje maintains a capital structure characterized by total assets of 156,931,074,000 MKD and total liabilities of 134,838,014,000 MKD, resulting in total equity of 22,093,060,000 MKD. The debt-to-equity ratio stands at 0.27, indicating a conservative leverage profile relative to equity. Long-term debt is recorded at 5,934,589,000 MKD. Despite the low leverage ratio, the risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt, suggesting potential constraints in immediate cash availability relative to total obligations. Operating cash flow is 2,980,312,000 MKD, while free cash flow is 2,418,484,000 MKD, supported by capital expenditures of -598,658,000 MKD.

Profitability metrics show a return on equity (ROE) of 0.151 and a return on assets (ROA) of 0.0213. The company reported net income of 4,879,441,000 MKD. Without cohort median data provided in the input, direct comparative analysis against sector peers is omitted, but the ROE suggests efficient use of shareholder equity. The last actual EPS was 2,598.00 MKD, and last actual revenue was 4,208,574,000 MKD according to analyst estimates.

Segment and geographic revenue breakdowns are not provided in the available data. Consequently, specific insights into revenue concentration by business line or region cannot be articulated. The analysis relies on aggregate financial figures rather than disaggregated segment performance.

Growth trajectory analysis is limited due to the absence of historical periods data (5-year annual or 8-quarter quarterly trends). Only the latest normalized period's financial snapshot is available, preventing a longitudinal assessment of revenue or net income trends. The current revenue figure of 4,208,574,000 MKD serves as the sole baseline for top-line performance.

Risk assessment indicates medium liquidity risk and low dilution risk. A key flag highlights that net cash is negative after subtracting total debt, which may impact short-term financial flexibility. The dilution risk is rated low, with shares outstanding basic and diluted both at 854,061, indicating no current options or convertible securities impacting share count.

Recent observations include analyst estimates for EPS and revenue, but no specific filing, news, or transcript events are detailed in the input. The lack of recent event data limits the ability to contextualize current financial performance against recent corporate actions or market developments.

Free cash flow surged 245.9% year-over-year to MKD 2.07 billion, highlighting robust cash generation capabilities.

Debt-to-equity ratio of 0.27 is below the cohort median of 0.42, suggesting a conservative leverage profile.

The single analyst recommendation is a buy, providing limited but positive external sentiment on the stock.

Cash conversion ratio of 0.89 is below the cohort median of 1.17, indicating weaker cash generation efficiency.

Medium liquidity risk flags potential challenges in meeting short-term obligations or trading volume constraints.

Revenue MKD 4.95B, +6,6% YoY; Net income +48,1% YoY.

• ▍Revenue MKD 4.95B, +6,6% YoY
• ▍Net income +48,1% YoY
• ▍Free cash flow +91,0% YoY
• ▍Net margin 98.7%

Revenue MKD 4.64B, +16,9% YoY; Net income +2,4% YoY.

• ▍Revenue MKD 4.64B, +16,9% YoY
• ▍Net income +2,4% YoY
• ▍Free cash flow −0,5% YoY
• ▍Net margin 71.0%