Agram banka d.d. (ZSE:KBZ)
Croatia · Delayed Price · Currency is EUR 39.80
+1.80 (4.74%)
At close: Jul 10, 2026
Agram banka d.d. 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 | Dec '25 Dec 31, 2025 | 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 | 22.27 | 22.27 | 22.92 | 22.5 | 18.55 | 17.31 |
Revenue Growth | -2.83% | -2.83% | 1.90% | 21.25% | 7.17% | 11.12% |
Net Income Net Income Growth | 7.07 | 7.07 | 8.77 | 8.19 | 6.03 | 5.48 |
Earnings Per Share EPS Growth | 3.65 | 3.65 | 4.52 | 4.22 | 3.11 | 2.83 |
EPS Growth | -19.41% | -19.41% | 7.08% | 35.85% | 10.07% | 46.28% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 |
Business Banking Business Banking Growth | 11.43 | 11.43 | 12.97 | 13.36 | 10.73 | 11.37 |
Citizenship Citizenship Growth | 5.69 | 5.69 | 3.67 | 4.88 | 4.57 | 3.75 |
The Treasury The Treasury Growth | 3.04 | 3.04 | 4.78 | 2.66 | 1.61 | 1.68 |
Other Other Growth | 2.05 | 2.05 | 2.04 | 1.59 | 1.65 | 0.51 |
Total Total Growth | 22.21 | 22.21 | 23.46 | 22.5 | 18.55 | 17.31 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 | 126.53 | 126.53 | 113.75 | 117.17 | 137.11 | 129.78 |
Total Debt Total Debt Growth | 33.34 | 33.34 | 107.48 | 99.41 | 88.32 | 86.25 |
Net Cash (Debt) Net Cash Growth | 93.19 | 93.19 | 6.27 | 17.76 | 48.78 | 43.53 |
Net Cash Growth | 1387.53% | 1387.53% | -64.72% | -63.60% | 12.07% | - |
Net Cash Per Share Net Cash Per Share Growth | 48.09 | 48.09 | 3.23 | 9.16 | 25.18 | 22.46 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 | 6.81 | 6.81 | 8.77 | -7.22 | -10.12 | -14.45 |
Capital Expenditures CapEx Growth | -0.78 | -0.78 | -0.73 | - | -2.99 | -1 |
Free Cash Flow Free Cash Flow Growth | 6.02 | 6.02 | 8.04 | -7.22 | -13.11 | -15.45 |
Free Cash Flow Growth | -25.07% | -25.07% | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | 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 | 31.72% | 31.72% | 38.25% | 36.39% | 32.48% | 31.62% |
FCF Margin | 27.05% | 27.05% | 35.07% | -32.10% | -70.65% | -89.27% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 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 | 2.150 | - | 2.150 | 2.000 | - | 1.410 |
Dividend Per Share Growth | -0.68% | - | 7.50% | - | - | - |
Dividend Yield | 5.40% | - | 6.40% | 8.01% | - | 6.36% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 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 | 10.92 | 10.20 | 8.31 | 7.01 | 8.32 | 10.36 |
P/FCF Ratio | 12.80 | 11.97 | 9.06 | - | - | - |
PS Ratio | 3.46 | 3.24 | 3.18 | 2.55 | 2.70 | 3.28 |