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STOCKS

National Bank of Greece (DE:NAGF)

:NAGF

NAGF

National Bank of Greece SA

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National Bank of Greece SA (NAGF) Ratios

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National Bank of Greece SA Ratios

DE:NAGF's free cash flow for Q1 2025 was €0.83. For the 2025 fiscal year, DE:NAGF's free cash flow was decreased by € and operating cash flow was €0.49. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.19	0.36	2.64K	8.09K	3.49K
Quick Ratio	0.19	0.36	5.25K	18.09K	10.20K
Cash Ratio	0.15	0.26	2.17K	6.67K	3.24K
Solvency Ratio	0.02	0.02	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.05	-0.10	240.63	2.21K	2.78K
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	€ -55.45B	€ -50.29B	€ -50.51B	€ -53.93B	€ -58.46B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.04	0.04	0.03	0.03
Debt-to-Equity Ratio	0.42	0.40	0.46	0.39	0.44
Debt-to-Capital Ratio	0.30	0.29	0.31	0.28	0.30
Long-Term Debt-to-Capital Ratio	0.30	0.29	0.00	0.00	0.00
Financial Leverage Ratio	8.57	9.78	12.11	14.60	15.32
Debt Service Coverage Ratio	2.51	0.00	6.97	6.34	-0.05
Interest Coverage Ratio	3.10	0.00	9.10	5.92	0.24
Debt to Market Cap	0.33	0.53	0.00	0.00	0.00
Interest Debt Per Share	4.58	3.36	3.39	2.60	2.65
Net Debt to EBITDA	-3.11	-6.04	-10.91	-18.51	0.00
Profitability Margins
Gross Profit Margin	90.91%	108.52%	100.00%	100.00%	100.00%
EBIT Margin	52.48%	58.62%	47.78%	39.55%	-5.95%
EBITDA Margin	53.84%	58.78%	54.83%	47.52%	0.00%
Operating Profit Margin	52.48%	58.78%	57.31%	43.66%	1.89%
Pretax Profit Margin	55.48%	58.62%	47.87%	39.55%	15.96%
Net Profit Margin	37.65%	43.84%	46.42%	42.92%	1.28%
Continuous Operations Profit Margin	44.07%	43.96%	36.88%	38.81%	15.50%
Net Income Per EBT	67.86%	74.78%	96.97%	108.51%	7.99%
EBT Per EBIT	105.73%	99.73%	83.51%	90.59%	842.86%
Return on Assets (ROA)	1.46%	1.48%	1.43%	1.03%	0.04%
Return on Equity (ROE)	13.06%	14.50%	17.36%	15.08%	0.65%
Return on Capital Employed (ROCE)	8.96%	5.17%	1.77%	1.05%	0.06%
Return on Invested Capital (ROIC)	7.12%	3.88%	2.75%	1.89%	0.13%
Return on Tangible Assets	1.48%	1.49%	1.44%	1.04%	0.04%
Earnings Yield	9.92%	19.22%	32.65%	32.35%	1.60%
Efficiency Ratios
Receivables Turnover	1.18	0.79	0.65	0.47	2.62
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.26	1.88	1.54	1.22	1.56
Asset Turnover	0.04	0.03	0.03	0.02	0.03
Working Capital Turnover Ratio	-0.06	-0.08	0.11	0.11	0.24
Cash Conversion Cycle	308.26	459.47	565.42	769.21	139.40
Days of Sales Outstanding	308.26	459.47	565.42	769.21	139.40
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	308.26	459.47	565.42	769.21	139.40
Cash Flow Ratios
Operating Cash Flow Per Share	3.26	-5.10	2.10	7.25	12.15
Free Cash Flow Per Share	2.31	-5.10	1.89	7.05	11.95
CapEx Per Share	0.22	0.56	0.21	0.20	0.19
Free Cash Flow to Operating Cash Flow	0.71	1.00	0.90	0.97	0.98
Dividend Paid and CapEx Coverage Ratio	14.79	-9.05	9.97	37.04	62.40
Capital Expenditure Coverage Ratio	14.79	-9.05	9.97	37.04	62.40
Operating Cash Flow Coverage Ratio	0.81	-1.52	0.65	2.97	5.01
Operating Cash Flow to Sales Ratio	1.02	-1.85	0.80	3.28	4.29
Free Cash Flow Yield	18.99%	-81.16%	50.49%	240.73%	528.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.10	5.20	3.06	3.09	62.63
Price-to-Sales (P/S) Ratio	3.80	2.28	1.42	1.33	0.80
Price-to-Book (P/B) Ratio	1.27	0.75	0.53	0.47	0.41
Price-to-Free Cash Flow (P/FCF) Ratio	5.27	-1.23	1.98	0.42	0.19
Price-to-Operating Cash Flow Ratio	3.74	-1.23	1.78	0.40	0.19
Price-to-Earnings Growth (PEG) Ratio	-2.14	-6.35	0.11	<0.01	-0.55
Price-to-Fair Value	1.27	0.75	0.53	0.47	0.41
Enterprise Value Multiple	3.94	-2.16	-8.32	-15.72	0.00
Enterprise Value	6.20B	-3.20B	-11.01B	-15.09B	-8.67B
EV to EBITDA	3.93	-2.16	-8.32	-15.72	0.00
EV to Sales	2.12	-1.27	-4.56	-7.47	-3.35
EV to Free Cash Flow	2.94	0.68	-6.36	-2.34	-0.79
EV to Operating Cash Flow	2.09	0.68	-5.72	-2.28	-0.78
Tangible Book Value Per Share	9.67	7.79	6.61	5.93	5.25
Shareholders’ Equity Per Share	9.64	8.34	7.05	6.29	5.53
Tax and Other Ratios
Effective Tax Rate	0.21	0.25	0.23	0.02	0.03
Revenue Per Share	3.21	2.76	2.64	2.21	2.83
Net Income Per Share	1.21	1.21	1.22	0.95	0.04
Tax Burden	0.68	0.75	0.97	1.09	0.08
Interest Burden	1.06	1.00	1.00	1.00	-2.68
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.07	0.08	0.07	0.08	0.06
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	2.30	-4.22	1.38	7.36	154.28

Currency in EUR

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