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Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
600.00
-20.00 (-3.23%)
At close: Nov 3, 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
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
897478564737
Market Cap Growth
27.66%-4.76%38.89%19.76%25.56%29.88%
Last Close Price
600.00483.00489.93340.61274.25209.99

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
8.156.686.054.948.477.51
PS Ratio
3.152.652.712.152.622.42
PB Ratio
0.980.881.030.870.850.73
P/FCF Ratio
----8.62-
P/OCF Ratio
----7.91-

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '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
-4.11-0.48-0.50-0.52-4.75-3.89
Net Debt / FCF Ratio
13.219.672.200.12-48.2510.40
Return on Equity (ROE)
12.63%13.93%18.37%18.94%10.39%9.99%
Return on Assets (ROA)
1.25%1.38%1.67%1.56%0.85%0.90%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
12.27%14.96%16.52%20.23%11.80%13.32%
FCF Yield
-31.65%-5.59%-22.05%-517.65%11.60%-51.61%
Dividend Yield
3.00%-3.43%3.97%3.80%4.23%
Payout Ratio
23.04%24.06%17.30%15.70%28.49%31.80%
Total Shareholder Return
3.00%-3.43%3.97%3.80%4.23%