APS Bank plc (MSE:APS)
Malta · Delayed Price · Currency is EUR 0.6100
+0.0200 (3.39%)
At close: Nov 13, 2026
APS Bank Financials Overview
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 107.22 | 88.54 | 75.11 | 81.97 | 65.02 | 65.75 |
Revenue Growth | 29.98% | 17.89% | -8.37% | 26.07% | -1.11% | 32.54% |
Net Income Net Income Growth | 28.4 | 16.18 | 17.6 | 19.8 | 8 | 14.64 |
Earnings Per Share EPS Growth | 0.06 | 0.04 | 0.05 | 0.05 | 0.02 | 0.06 |
EPS Growth | - | -10.87% | -11.54% | 111.11% | -57.06% | 47.89% |
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Investment Services Investment Services Growth | 9.51 | 9.26 | 2.46 | 1.79 | 2.71 |
Retail Retail Growth | 52.35 | 48.9 | 42.09 | 36.07 | 36.49 |
Liquidity Management and Structured Loans Liquidity Management and Structured Loans Growth | 12.92 | 7.14 | 7.12 | -0.55 | 4.53 |
Commercial Commercial Growth | 29.02 | 27.45 | 27.2 | 25.26 | 19.94 |
Total Total Growth | 103.8 | 92.76 | 78.88 | 62.57 | 63.66 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 377.89 | 462.28 | 420.32 | 205.64 | 178.16 | 282.92 |
Total Debt Total Debt Growth | 133.15 | 111.86 | 140.08 | 190.07 | 111.01 | 117.71 |
Net Cash (Debt) Net Cash Growth | 244.74 | 350.42 | 280.25 | 15.56 | 67.15 | 165.21 |
Net Cash Growth | -8.07% | 25.04% | 1700.61% | -76.82% | -59.36% | 33.04% |
Net Cash Per Share Net Cash Per Share Growth | 0.50 | 0.89 | 0.74 | 0.04 | 0.21 | 0.65 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | - | -357.2 | -314.92 | -495.34 | -275.04 | -259.28 |
Capital Expenditures CapEx Growth | - | -6.35 | -11.71 | -8.86 | -5.43 | -0.65 |
Free Cash Flow Free Cash Flow Growth | - | -363.55 | -326.63 | -504.2 | -280.47 | -259.93 |
Free Cash Flow Growth | - | - | - | - | - | - |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 26.49% | 18.28% | 23.43% | 24.15% | 12.31% | 22.26% |
FCF Margin | - | -410.60% | -434.88% | -615.11% | -431.39% | -395.35% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 14, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.030 | 0.030 | 0.034 | 0.031 | 0.027 | 0.018 |
Dividend Per Share Growth | 6.81% | -11.29% | 10.03% | 15.67% | 48.07% | 24.83% |
Dividend Yield | 4.96% | 7.86% | 6.09% | 5.35% | 4.36% | - |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 14, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 10.56 | 11.55 | 12.08 | 11.05 | 28.20 | - |
PS Ratio | 2.79 | 2.11 | 2.83 | 2.67 | 3.47 | - |