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KMERF

Komercní banka, a.s.

USD

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Price alert · KMERF

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28.05 USD -26.93 -48.98%
As of Feb 5, 2026
35.00 Day range 35.00
35.00 52-week range 54.98
YTD
-48.98%
1 year
-21.10%
Open
35.00
Prev close
54.98
Mkt cap
5.42B
Vol
1
Avg vol
4
EPS
7.87
P/E
3.56
More statistics
Low
35.00
High
35.00
Earnings
Oct 29, 2026

5D chart

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Financial health

Altman Z-Score

0.06 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 11.8×
FY 2016: 11.9×FY 2017: 11.5×FY 2018: 10.3×FY 2019: 10.4×FY 2020: 14.0×FY 2021: 13.9×FY 2022: 7.7×FY 2023: 7.3×FY 2024: 9.5×FY 2025: 11.8×
FY 2016 5y median 9.5× FY 2025
P/S 2.0×
FY 2016: 4.3×FY 2017: 4.5×FY 2018: 3.6×FY 2019: 2.9×FY 2020: 4.5×FY 2021: 5.8×FY 2022: 3.6×FY 2023: 0.9×FY 2024: 4.6×FY 2025: 2.0×
FY 2016 5y median 3.6× FY 2025
P/B 1.7×
FY 2016: 1.6×FY 2017: 1.8×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.3×FY 2025: 1.7×
FY 2016 5y median 1.3× FY 2025
P/FCF 27.2×
FY 2016: 167×FY 2017: -2.0×FY 2018: 15.1×FY 2019: -403×FY 2020: 11.8×FY 2021: -166×FY 2022: -4.2×FY 2023: -7.9×FY 2024: 2.2×FY 2025: 27.2×
FY 2016 5y median -4.2× FY 2025
EV/EBITDA 7.2×
FY 2016: 2.5×FY 2017: 7.3×FY 2018: 6.6×FY 2019: 6.9×FY 2020: 0.0×FY 2021: 8.8×FY 2022: 7.0×FY 2023: 8.0×FY 2024: 7.0×FY 2025: 7.2×
FY 2016 5y median 7.2× FY 2025
EV/Sales 1.7×
FY 2016: 1.2×FY 2017: 3.9×FY 2018: 3.1×FY 2019: 2.8×FY 2020: 3.9×FY 2021: 5.4×FY 2022: 4.7×FY 2023: 1.4×FY 2024: 4.8×FY 2025: 1.7×
FY 2016 5y median 4.7× FY 2025
FCF Yield 3.7%
FY 2016: 0.6%FY 2017: -50.6%FY 2018: 6.6%FY 2019: -0.2%FY 2020: 8.5%FY 2021: -0.6%FY 2022: -23.9%FY 2023: -12.6%FY 2024: 46.1%FY 2025: 3.7%
FY 2016 5y median -0.6% FY 2025

Profitability

Gross Margin 34.7%
FY 2016: 84.8%FY 2017: 84.6%FY 2018: 74.6%FY 2019: 61.5%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 27.9%FY 2024: 111.0%FY 2025: 34.7%
FY 2016 5y median 100.0% FY 2025
Operating Margin 20.4%
FY 2016: 45.1%FY 2017: 48.1%FY 2018: 42.9%FY 2019: 35.1%FY 2020: 40.7%FY 2021: 52.3%FY 2022: 58.1%FY 2023: 14.7%FY 2024: 57.3%FY 2025: 20.4%
FY 2016 5y median 52.3% FY 2025
Net Margin 17.0%
FY 2016: 36.6%FY 2017: 39.2%FY 2018: 34.4%FY 2019: 28.1%FY 2020: 32.5%FY 2021: 41.5%FY 2022: 46.9%FY 2023: 12.0%FY 2024: 48.2%FY 2025: 17.0%
FY 2016 5y median 41.5% FY 2025
ROE 14.2%
FY 2016: 13.5%FY 2017: 15.8%FY 2018: 14.9%FY 2019: 14.1%FY 2020: 7.2%FY 2021: 10.3%FY 2022: 14.5%FY 2023: 12.5%FY 2024: 13.6%FY 2025: 14.2%
FY 2016 5y median 13.6% FY 2025
ROIC 1.3%
FY 2016: 8.4%FY 2017: 10.3%FY 2018: 10.0%FY 2019: 13.8%FY 2020: 4.8%FY 2021: 7.9%FY 2022: 1.4%FY 2023: 5.7%FY 2024: 6.5%FY 2025: 1.3%
FY 2016 5y median 5.7% FY 2025
ROA 1.1%
FY 2016: 1.5%FY 2017: 1.5%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 0.7%FY 2021: 1.0%FY 2022: 1.4%FY 2023: 1.0%FY 2024: 1.1%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 196.3%
FY 2016: -2.3%FY 2017: 1.6%FY 2018: 13.4%FY 2019: 22.8%FY 2020: -52.6%FY 2021: 22.1%FY 2022: 22.7%FY 2023: 244.8%FY 2024: -72.4%FY 2025: 196.3%
FY 2016 FY 2025
Operating Income 5.6%
FY 2016: 7.0%FY 2017: 8.4%FY 2018: 1.3%FY 2019: 0.4%FY 2020: -45.1%FY 2021: 56.9%FY 2022: 36.3%FY 2023: -12.5%FY 2024: 7.4%FY 2025: 5.6%
FY 2016 FY 2025
EPS (diluted) 4.7%
FY 2016: 7.3%FY 2017: 9.1%FY 2018: -0.6%FY 2019: 0.4%FY 2020: -45.3%FY 2021: 56.0%FY 2022: 38.5%FY 2023: -11.4%FY 2024: 10.4%FY 2025: 4.7%
FY 2016 FY 2025
Free Cash Flow -89.6%
FY 2016: -87.5%FY 2017: -9029.4%FY 2018: 111.7%FY 2019: -103.8%FY 2020: 2610.7%FY 2021: -111.0%FY 2022: -2962.7%FY 2023: 55.6%FY 2024: 621.2%FY 2025: -89.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.3×
FY 2016: 0.2×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 7.2×FY 2020: 0.0×FY 2021: 16.3×FY 2022: 2.8×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Quick Ratio 1.3×
FY 2016: 0.2×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 24.2×FY 2020: 0.0×FY 2021: 56.1×FY 2022: 40.8×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Debt / Equity 0.5×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -1.1×
FY 2016: -6.2×FY 2017: -1.3×FY 2018: -1.0×FY 2019: -0.4×FY 2020: 0.0×FY 2021: -0.6×FY 2022: 1.6×FY 2023: 3.0×FY 2024: 0.3×FY 2025: -1.1×
FY 2016 5y median 0.3× FY 2025
Interest Coverage 0.3×
FY 2016: 3.0×FY 2017: 3.1×FY 2018: 1.7×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 1.2×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 8.1%
FY 2016: 7.2%FY 2017: 4.4%FY 2018: 5.8%FY 2019: 6.2%FY 2020: 0.0%FY 2021: 2.5%FY 2022: 13.9%FY 2023: 9.9%FY 2024: 9.6%FY 2025: 8.1%
FY 2016 5y median 9.6% FY 2025
Payout Ratio 95.7%
FY 2016: 85.7%FY 2017: 50.5%FY 2018: 59.6%FY 2019: 64.4%FY 2020: 0.0%FY 2021: 35.3%FY 2022: 107.6%FY 2023: 72.3%FY 2024: 90.7%FY 2025: 95.7%
FY 2016 5y median 90.7% FY 2025

Annual · latest fiscal year ends 2025-12-31