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Podravska banka d.d. (ZSE:PDBA)
Croatia flag Croatia · Delayed Price · Currency is EUR
75.50
+1.00 (1.34%)
At close: Jul 24, 2026

Podravska banka d.d. Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
24.4724.8223.9620.3915.7115.05
Revenue Growth
3.06%3.56%17.51%29.84%4.38%1.88%
Net Income
-2.92-2.477.524.051.622.03
Earnings Per Share
-4.38-3.7111.306.09-3.05
EPS Growth
--85.66%--29.48%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
191.06270.8241.17196.86155.21122.61
Total Debt
620.4930.2866.9168.8475.7268.82
Net Cash (Debt)
-429.43240.52174.25128.0279.4953.78
Net Cash Growth
-38.03%36.11%61.06%47.78%19.73%
Net Cash Per Share
-645.35361.45261.86192.39-80.83

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-19.8113.467.54-1.412.88-31.19
Capital Expenditures
-1.55-0.99-0.7-0.1-0.25-0.22
Free Cash Flow
-21.3512.476.84-1.512.63-31.41
Free Cash Flow Growth
-82.28%----

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
-11.92%-9.96%31.39%19.87%10.28%13.47%
FCF Margin
-87.25%50.25%28.55%-7.38%16.77%-208.77%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingJul '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
5.000-5.0004.500
Dividend Per Share Growth
0%-11.11%-
Dividend Yield
6.71%-6.39%16.36%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
--7.265.0911.0410.04
P/FCF Ratio
-4.517.98-6.77-
PS Ratio
2.052.272.281.011.141.35