OTP Bank Nyrt

OTP Bank Nyrt maintains a liquidity position that is considered medium, with a debt-to-equity ratio of 0.69, indicating a moderate level of leverage. The company's free cash flow of 269,152,000,000 HUF supports its operational flexibility, although its net cash position is negative after subtracting total debt, signaling potential liquidity constraints.

In terms of profitability, OTP Bank Nyrt reports a return on equity (ROE) of 5.4% and a return on assets (ROA) of 0.58%. These figures are below the typical performance benchmarks for banks, suggesting that the company may be underperforming relative to its peers in terms of capital efficiency and asset utilization.

The company's revenue is primarily concentrated in its domestic market, with no significant international operations disclosed. OTP Bank Nyrt operates through several business segments, including retail banking, corporate and institutional banking, and asset management. However, the input data does not provide specific revenue breakdowns by segment or geography, limiting the ability to assess concentration risk in detail.

OTP Bank Nyrt's growth trajectory appears to be modest, with no specific revenue growth rates or outlooks provided in the input data. Analysts have assigned a mean price target of 41,804.75 HUF and a median price target of 42,265.00 HUF, with a mean recommendation of 2.29, indicating a generally positive but cautious outlook.

The company faces a medium liquidity risk and a low dilution risk. The risk assessment highlights that OTP Bank Nyrt has a negative net cash position after subtracting total debt, which could affect its ability to meet short-term obligations. However, the dilution risk is considered low, and no significant adjustments have been applied to the valuation metrics.

Recent events and filings have not been detailed in the input data, so no specific recent developments can be cited. However, the company's financial performance and risk profile suggest that it is operating in a stable but competitive environment.

Revenue grew at a 22.0% CAGR over four years, reaching 1.95 trillion HUF in FY2026.

Net income expanded at a 25.8% CAGR, reaching 1.14 trillion HUF in FY2026.

Total assets grew at a 13.3% CAGR, reaching 45.4 trillion HUF in FY2026.

Analysts maintain a buy recommendation with a mean price target of 41,804.75.

Long-term debt surged to 3.18 trillion HUF in FY2026, up from 847 billion in FY2022.

Return on equity of 5.4% trails the 6.1% median for the banking cohort.

Debt-to-equity ratio of 0.69 is more than double the 0.29 cohort median.

The company faces a medium level of liquidity risk according to risk flags.

Revenue HUF 508.14B, +10,5% YoY; Net income +19,2% YoY.

• ▍Revenue HUF 508.14B, +10,5% YoY
• ▍Net income +19,2% YoY
• ▍Free cash flow +18,8% YoY
• ▍Net margin 58.3%

Revenue HUF 459.96B; Net margin 54.0%.

• ▍Revenue HUF 459.96B
• ▍Net margin 54.0%

Revenue HUF 443.30B; Net margin 71.6%.

• ▍Revenue HUF 443.30B
• ▍Net margin 71.6%

Revenue HUF 424.59B; Net margin 62.9%.

• ▍Revenue HUF 424.59B
• ▍Net margin 62.9%

Revenue HUF 417.49B; Net margin 57.3%.

• ▍Revenue HUF 417.49B
• ▍Net margin 57.3%

Revenue HUF 1.95T, +11,2% YoY; Net income +6,4% YoY.

• ▍Revenue HUF 1.95T, +11,2% YoY
• ▍Net income +6,4% YoY
• ▍Free cash flow −11,9% YoY
• ▍Net margin 58.6%

Revenue HUF 1.75T, +25,8% YoY; Net income +8,4% YoY.

• ▍Revenue HUF 1.75T, +25,8% YoY
• ▍Net income +8,4% YoY
• ▍Free cash flow −3,2% YoY
• ▍Net margin 61.2%

Revenue HUF 1.39T, +34,9% YoY; Net income +185,4% YoY.

• ▍Revenue HUF 1.39T, +34,9% YoY
• ▍Net income +185,4% YoY
• ▍Free cash flow +1 756,4% YoY
• ▍Net margin 71.0%

Revenue HUF 1.03T, +17,3% YoY; Net income −24,0% YoY.

• ▍Revenue HUF 1.03T, +17,3% YoY
• ▍Net income −24,0% YoY
• ▍Free cash flow −84,1% YoY
• ▍Net margin 33.6%

Revenue HUF 879.63B; Net margin 51.8%.

• ▍Revenue HUF 879.63B
• ▍Net margin 51.8%