National Bank of Greece S.A. (ADR)

General ticker "NBGRY" information:

National Bank of Greece S.A. (ADR) follows the US Stock Market performance with the rate: 45.5%.

Estimated limits based on current volatility of 3.1%: low 17.95$, high 19.08$

Factors to consider:

Company pays dividends (irregularly): last record date 2025-11-17, amount 0.19$ (Y1.01%)
Current price 89.9% above estimated high
Earnings for 9 months up through Q3 exceed our estimates

Stock Forecast*

* forecast is subjective and experimental, should not be used for any investment decisions

Long term estimates were made for the period from 2024-12-31 to 2026-12-31

Financial Metrics affecting the NBGRY estimates:

Positive: with PPE of 5.8 at the end of fiscal year the price was low
Negative: Operating cash flow per share per price, % of -35.85 <= 0
Positive: Operating profit margin, % of 42.47 > 18.34
Negative: Shareholder equity ratio, % of 11.24 <= 19.41
Positive: Industry operating cash flow per share per price (median), % of 10.64 > 10.21
Positive: Industry inventory ratio change (median), % of 0 <= 0
Positive: Inventory ratio change, % of 0 <= 0

YTD	2022-12-31	2023-12-31	2024-12-31
Operating Revenue	€2,271.00MM	€3,300.00MM	€3,572.00MM
Operating Expenses	€1,116.00MM	€1,821.00MM	€2,055.00MM
Operating Income	€1,155.00MM	€1,479.00MM	€1,517.00MM
Interest Expense	€152.00MM	€522.00MM	€696.00MM
Income(Loss)	€1,155.00MM	€1,479.00MM	€1,517.00MM
Taxes	€-263.00MM	€370.00MM	€356.00MM
Profit(Loss)*	€1,120.00MM	€1,106.00MM	€1,158.00MM
Stockholders Equity	€6,452.00MM	€7,626.00MM	€8,423.00MM
Assets	€78,113.00MM	€74,584.00MM	€74,957.00MM
Operating Cash Flow	€1,925.00MM	€-4,782.00MM	€-2,498.00MM
Capital expenditure	€193.00MM	€0.00MM	€0.00MM
Investing Cash Flow	€-1,082.00MM	€-3,125.00MM	€-2,900.00MM
Financing Cash Flow	€785.00MM	€490.00MM	€793.00MM
Earnings Per Share**	€1.22	€1.21	€1.27
Ordinary share to ADR	1.00x	1.00x	1.00x

* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.