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NBGRY

National Bank of Greece S.A.

USD

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Price alert · NBGRY

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17.55 USD -0.57 -3.15%
As of Oct 30, 2026
17.63 Day range 17.70
16.65 52-week range 20.66
YTD
-0.57%
1 year
-0.57%
Open
17.68
Prev close
18.12
Mkt cap
15.85B
Vol
1.02K
Avg vol
45.59K
EPS
1.44
P/E
12.19
More statistics
Low
17.63
High
17.70

5D chart

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Financial health

Altman Z-Score

-0.56 Distress zone

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

Piotroski F-Score

4 / 9 Average

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

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 3
  • P/B 2

Valuation

P/E 10.8×
FY 2016: -205×FY 2017: -1182×FY 2018: -6468×FY 2019: -10.7×FY 2020: 46.9×FY 2021: 3.6×FY 2022: 2.4×FY 2023: 4.9×FY 2024: 6.0×FY 2025: 10.8×
FY 2016 5y median 4.9× FY 2025
P/S 4.2×
FY 2016: 283×FY 2017: 265×FY 2018: 329×FY 2019: 1.4×FY 2020: 0.6×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 4.2×
FY 2016 5y median 1.6× FY 2025
P/B 1.4×
FY 2016: 85.6×FY 2017: 77.5×FY 2018: 109×FY 2019: 0.5×FY 2020: 0.3×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 1.4×
FY 2016 5y median 0.7× FY 2025
P/FCF 14.5×
FY 2016: -119×FY 2017: -67.7×FY 2018: 121×FY 2019: -1.4×FY 2020: 0.1×FY 2021: 0.5×FY 2022: 1.6×FY 2023: -1.1×FY 2024: -2.8×FY 2025: 14.5×
FY 2016 5y median 0.5× FY 2025
EV/EBITDA 7.1×
FY 2016: 3062×FY 2017: -16123×FY 2018: 5163×FY 2019: -3.9×FY 2020: -16.5×FY 2021: -15.2×FY 2022: -8.8×FY 2023: -2.1×FY 2024: 2.0×FY 2025: 7.1×
FY 2016 5y median -2.1× FY 2025
EV/Sales 3.9×
FY 2016: 281×FY 2017: 264×FY 2018: 325×FY 2019: -0.8×FY 2020: -3.3×FY 2021: -6.8×FY 2022: -5.2×FY 2023: -1.1×FY 2024: 0.9×FY 2025: 3.9×
FY 2016 5y median -1.1× FY 2025
FCF Yield 6.9%
FY 2016: -0.8%FY 2017: -1.5%FY 2018: 0.8%FY 2019: -72.7%FY 2020: 705.7%FY 2021: 207.3%FY 2022: 63.8%FY 2023: -88.2%FY 2024: -35.7%FY 2025: 6.9%
FY 2016 5y median 6.9% FY 2025

Profitability

Gross Margin 82.9%
FY 2016: 84.5%FY 2017: 87.3%FY 2018: 86.6%FY 2019: 87.3%FY 2020: 92.7%FY 2021: 93.1%FY 2022: 93.3%FY 2023: 84.2%FY 2024: 80.5%FY 2025: 82.9%
FY 2016 5y median 84.2% FY 2025
Operating Margin 47.9%
FY 2016: 2.1%FY 2017: -6.7%FY 2018: 0.8%FY 2019: 12.7%FY 2020: 14.7%FY 2021: 36.8%FY 2022: 50.9%FY 2023: 44.8%FY 2024: 42.5%FY 2025: 47.9%
FY 2016 5y median 44.8% FY 2025
Net Margin 35.9%
FY 2016: -138.0%FY 2017: -22.7%FY 2018: -5.1%FY 2019: -12.6%FY 2020: 1.2%FY 2021: 40.0%FY 2022: 49.3%FY 2023: 33.5%FY 2024: 32.4%FY 2025: 35.9%
FY 2016 5y median 35.9% FY 2025
ROE 12.3%
FY 2016: -41.8%FY 2017: -6.6%FY 2018: -1.7%FY 2019: -4.8%FY 2020: 0.7%FY 2021: 15.1%FY 2022: 17.4%FY 2023: 14.5%FY 2024: 13.7%FY 2025: 12.3%
FY 2016 5y median 14.5% FY 2025
ROIC 1.5%
FY 2016: 0.1%FY 2017: -0.6%FY 2018: -0.1%FY 2019: 1.3%FY 2020: 1.5%FY 2021: 2.7%FY 2022: 4.2%FY 2023: 7.1%FY 2024: 7.4%FY 2025: 1.5%
FY 2016 5y median 4.2% FY 2025
ROA 1.4%
FY 2016: -3.7%FY 2017: -0.7%FY 2018: -0.1%FY 2019: -0.4%FY 2020: 0.0%FY 2021: 1.0%FY 2022: 1.4%FY 2023: 1.5%FY 2024: 1.5%FY 2025: 1.4%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue -13.2%
FY 2016: -26.5%FY 2017: -6.5%FY 2018: -15.6%FY 2019: 22.2%FY 2020: 39.3%FY 2021: -22.8%FY 2022: 4.7%FY 2023: 45.3%FY 2024: 8.2%FY 2025: -13.2%
FY 2016 FY 2025
Operating Income -2.0%
FY 2016: 101.2%FY 2017: -404.7%FY 2018: 109.9%FY 2019: 1876.9%FY 2020: 61.1%FY 2021: 93.0%FY 2022: 44.6%FY 2023: 28.1%FY 2024: 2.6%FY 2025: -2.0%
FY 2016 FY 2025
EPS (diluted) -3.9%
FY 2016: 41.3%FY 2017: 84.8%FY 2018: 80.9%FY 2019: -205.0%FY 2020: 112.9%FY 2021: 2531.6%FY 2022: 28.4%FY 2023: -0.8%FY 2024: 5.0%FY 2025: -3.9%
FY 2016 FY 2025
Free Cash Flow 136.2%
FY 2016: -328.0%FY 2017: -54.2%FY 2018: 158.6%FY 2019: -144.4%FY 2020: 648.7%FY 2021: -41.0%FY 2022: -73.2%FY 2023: -376.1%FY 2024: 47.8%FY 2025: 136.2%
FY 2016 FY 2025

Financial Health

Current Ratio 1.9×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 1.9×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 1.9×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 1.9×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.5×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -0.6×
FY 2016: -18.5×FY 2017: 88.3×FY 2018: -58.4×FY 2019: -10.9×FY 2020: -19.2×FY 2021: -18.5×FY 2022: -10.9×FY 2023: -5.4×FY 2024: -2.1×FY 2025: -0.6×
FY 2016 5y median -5.4× FY 2025
Interest Coverage 3.3×
FY 2016: 0.1×FY 2017: -0.5×FY 2018: 0.1×FY 2019: 1.0×FY 2020: 2.0×FY 2021: 5.4×FY 2022: 7.6×FY 2023: 2.8×FY 2024: 2.2×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 4.7%FY 2025: 4.4%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 52.2%
FY 2016: -0.1%FY 2017: -0.5%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 28.7%FY 2025: 52.2%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31