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Istarska kreditna banka Umag d.d. (ZSE:IKBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
590.00
0.00 (0.00%)
At close: Aug 31, 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
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
877478564737
Market Cap Growth
23.95%-4.76%38.89%19.76%25.56%29.88%
Last Close Price
590.00483.00489.93340.61274.25209.99

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.806.686.054.948.477.51
PS Ratio
3.092.652.712.152.622.42
PB Ratio
1.000.881.030.870.850.73
P/FCF Ratio
43.59---8.62-
P/OCF Ratio
35.86---7.91-

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Aug '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
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
12.82%14.96%16.52%20.23%11.80%13.32%
FCF Yield
2.29%-5.59%-22.05%-517.65%11.60%-51.61%
Dividend Yield
3.05%-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
3.05%-3.67%4.40%4.38%5.07%