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Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
610.00
-10.00 (-1.61%)
At close: Oct 13, 2026

ZSE:IKBA Ratios and Metrics

Millions EUR. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
907478564737
Market Cap Growth
29.79%-4.76%38.89%19.76%25.56%29.88%
Last Close Price
610.00483.00489.93340.61274.25209.99

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
8.066.686.054.948.477.51
PS Ratio
3.192.652.712.152.622.42
PB Ratio
1.030.881.030.870.850.73
P/FCF Ratio
45.06---8.62-
P/OCF Ratio
37.07---7.91-

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
-0.050.070.090.140.20
Debt / FCF Ratio
----1.47-
Net Debt / Equity Ratio
-3.34-0.48-0.50-0.52-4.75-3.89
Net Debt / FCF Ratio
-145.929.672.200.12-48.2510.40
Return on Equity (ROE)
13.49%13.93%18.37%18.94%10.39%9.99%
Return on Assets (ROA)
1.38%1.38%1.67%1.56%0.85%0.90%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
12.40%14.96%16.52%20.23%11.80%13.32%
FCF Yield
2.22%-5.59%-22.05%-517.65%11.60%-51.61%
Dividend Yield
2.95%-3.67%4.40%4.38%5.07%
Payout Ratio
22.41%24.06%17.30%15.70%28.49%31.80%
Total Shareholder Return
2.95%-3.67%4.40%4.38%5.07%