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National Bank of Greece
NBG : NYSE : Financial
$1.99 0.19 | 10.56%
Today's Range: 1.81 - 2.07
Avg. Daily Volume: 4,613,500
12/17/14 - 4:02 PM ET

Financial Analysis


NATIONAL BANK OF GREECE's gross profit margin for the third quarter of its fiscal year 2014 has increased when compared to the same period a year ago. Even though sales decreased, the net income has increased.

At the same time, stockholders' equity ("net worth") has greatly increased by 47.78% from the same quarter last year.

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Income Statement Q3 FY14 Q3 FY13
Net Sales ($mil)1526.72189.37
EBITDA ($mil)247.27283.04
EBIT ($mil)192.33198.49
Net Income ($mil)-83.82-92.93


Balance Sheet Q3 FY14 Q3 FY13
Cash & Equiv. ($mil)10847.4510601.97
Total Assets ($mil)143089.12150188.42
Total Debt ($mil)9123.734846.88
Equity ($mil)13789.789331.03


Profitability Q3 FY14 Q3 FY13
Gross Profit Margin36.534.28
EBITDA Margin16.1912.92
Operating Margin12.69.07
Sales Turnover0.050.06
Return on Assets1.560.46
Return on Equity16.287.45
Debt Q3 FY14 Q3 FY13
Current Ratio0.00.0
Debt/Capital0.40.34
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q3 FY14 Q3 FY13
Shares outstanding (mil)3532.832396.43
Div / share0.00.0
EPS-0.02-0.04
Book value / share3.93.89
Institutional Own % n/a n/a
Avg Daily Volume4447169.03752381.0

Valuation


SELL. NATIONAL BANK OF GREECE's P/E ratio indicates a significant discount compared to an average of 22.67 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 19.74. Conducting a second comparison, its price-to-book ratio of 0.46 indicates a significant discount versus the S&P 500 average of 2.73 and a discount versus the industry average of 1.17. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, NATIONAL BANK OF GREECE proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
NBG 1.82 Peers 22.67   NBG NM Peers 40.42

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

NBG is trading at a significant discount to its peers.

 

Neutral. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

NBG's P/CF is negative making the measure meaningless.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
NBG 7.50 Peers 42.08   NBG NM Peers 1.41

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

NBG is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

NBG's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
NBG 0.46 Peers 1.17   NBG -80.74 Peers 24.14

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

NBG is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, NBG is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
NBG 0.86 Peers 2.53   NBG -14.10 Peers 3.22

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

NBG is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

NBG significantly trails its peers on the basis of sales growth

 

 

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