CrediaBank S.A. (ATH:CREDIA)
Greece flag Greece · Delayed Price · Currency is EUR
0.9940
+0.0140 (1.43%)
At close: Aug 12, 2026

CrediaBank Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
253.44247.54-255.89104.56-260.13-25.81
Revenue Growth
------
Net Income
29.0315.22-325.4627.62-386.57-105.05
Earnings Per Share
0.020.01-0.790.07-5129.13-3857.13
EPS Growth
------

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Banking
60.5455.78-779.716.29-12.07-9.87
Corporate Banking
93.1496.17502.8286.65-19.33-13.51
Structured Financing
47.2135.48----
Corporate Center/Intercompany Eliminations
24.4836.21----
Treasury
38.0333.8526.6618.75-229.25-1.46
Total
263.4257.49-250.23111.69-260.65-24.84

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
896.99209.04217.16246.37164.18233.16
Total Debt
548.58445.53240.08111.2113.83114.55
Net Cash (Debt)
348.4-236.49-22.92135.1650.35118.61
Net Cash Growth
-37.54%--168.47%-57.55%-
Net Cash Per Share
0.20-0.15-0.060.33668.014355.22

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,011-828.8-493.57-292.25-183.4422.01
Capital Expenditures
-4.33---0.16-0.51-0.64
Free Cash Flow
-1,015-828.8-493.57-292.41-183.9521.37
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
11.45%6.15%-26.41%--
FCF Margin
-400.57%-334.82%--279.64%--

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
57.55170.58-20.68--
Forward PE
27.3623.2223.2223.2223.2223.22
P/FCF Ratio
-----9.21
PS Ratio
7.7210.49-4.365.46-0.39-7.63