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Bank fuer Tirol und Vorarlberg AG (DE:ZTY)
FRANKFURT:ZTY
Germany Market
ZTY
Bank fuer Tirol und Vorarlberg AG
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Bank fuer Tirol und Vorarlberg AG (ZTY) Ratios

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Bank fuer Tirol und Vorarlberg AG Ratios

DE:ZTY's free cash flow for Q2 2026 was €0.70. For the 2026 fiscal year, DE:ZTY's free cash flow was decreased by € and operating cash flow was €0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 12.93 0.29 0.29 0.25
Quick Ratio
 0.00 12.93 0.29 0.29 0.25
Cash Ratio
 0.00 12.74 0.29 0.28 0.25
Solvency Ratio
 0.01 0.01 0.02 0.02 <0.01
Operating Cash Flow Ratio
 0.00 0.12 0.02 0.05 -0.05
Short-Term Operating Cash Flow Coverage
 0.00 0.12 0.00 0.00 0.00
Net Current Asset Value
€ -10.40B€ -9.47B€ -9.78B€ -9.54B€ -9.47B
Leverage Ratios
Debt-to-Assets Ratio
 0.17 0.16 0.08 0.07 0.08
Debt-to-Equity Ratio
 1.05 0.98 0.49 0.48 0.52
Debt-to-Capital Ratio
 0.51 0.49 0.33 0.32 0.34
Long-Term Debt-to-Capital Ratio
 0.51 0.46 0.33 0.32 0.34
Financial Leverage Ratio
 6.04 6.17 6.33 6.65 6.95
Debt Service Coverage Ratio
 0.55 0.20 0.81 -0.14 1.54
Interest Coverage Ratio
 0.40 0.45 0.82 0.72 1.38
Debt to Market Cap
 0.88 0.98 0.57 0.63 0.83
Interest Debt Per Share
 81.97 74.04 40.51 35.30 33.25
Net Debt to EBITDA
 -3.28 -9.39 -6.41 0.00 -10.75
Profitability Margins
Gross Profit Margin
62.21%63.11%61.15%100.00%83.18%
EBIT Margin
9.48%14.26%31.88%-8.26%23.14%
EBITDA Margin
12.29%18.05%36.45%0.00%30.66%
Operating Profit Margin
12.40%14.26%31.88%38.61%23.14%
Pretax Profit Margin
9.48%14.26%31.88%52.35%23.14%
Net Profit Margin
21.72%21.12%26.22%43.68%18.03%
Continuous Operations Profit Margin
14.13%10.76%26.93%44.74%18.43%
Net Income Per EBT
229.10%148.10%82.24%83.46%77.90%
EBT Per EBIT
76.45%100.00%100.00%135.59%100.00%
Return on Assets (ROA)
0.97%0.96%1.42%1.29%0.58%
Return on Equity (ROE)
6.06%5.95%8.96%8.57%4.01%
Return on Capital Employed (ROCE)
0.56%0.66%5.82%3.96%2.77%
Return on Invested Capital (ROIC)
0.56%0.49%4.92%3.38%2.21%
Return on Tangible Assets
0.97%0.96%1.42%1.29%0.58%
Earnings Yield
5.05%6.08%10.48%11.22%6.35%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 22.32 14.25 0.00
Payables Turnover
 0.00 0.00 12.26 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 1.93 1.92 2.20 1.16 1.17
Asset Turnover
 0.04 0.05 0.05 0.03 0.03
Working Capital Turnover Ratio
 -0.28 -0.35 -0.11 -0.06 -0.06
Cash Conversion Cycle
 0.00 0.00 -13.43 25.61 0.00
Days of Sales Outstanding
 0.00 0.00 16.35 25.61 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 29.78 0.00 0.00
Operating Cycle
 0.00 0.00 16.35 25.61 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 6.76 0.93 6.60 14.42 -15.89
Free Cash Flow Per Share
 -1.77 -0.50 5.32 13.60 -17.59
CapEx Per Share
 1.02 1.43 1.28 0.82 1.69
Free Cash Flow to Operating Cash Flow
 -0.26 -0.53 0.81 0.94 1.11
Dividend Paid and CapEx Coverage Ratio
 4.45 0.46 3.92 12.49 -7.98
Capital Expenditure Coverage Ratio
 6.63 0.65 5.14 17.49 -9.39
Operating Cash Flow Coverage Ratio
 0.09 0.01 0.21 0.50 -0.51
Operating Cash Flow to Sales Ratio
 0.34 0.05 0.29 1.22 -1.21
Free Cash Flow Yield
-2.10%-0.73%9.49%29.57%-47.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 19.79 16.43 9.54 8.92 15.76
Price-to-Sales (P/S) Ratio
 4.30 3.47 2.50 3.89 2.84
Price-to-Book (P/B) Ratio
 1.16 0.98 0.85 0.76 0.63
Price-to-Free Cash Flow (P/FCF) Ratio
 -47.61 -136.91 10.53 3.38 -2.13
Price-to-Operating Cash Flow Ratio
 12.50 73.21 8.48 3.19 -2.35
Price-to-Earnings Growth (PEG) Ratio
 -5.17 -0.56 0.69 0.08 0.00
Price-to-Fair Value
 1.16 0.98 0.85 0.76 0.63
Enterprise Value Multiple
 31.71 9.85 0.45 0.00 -1.49
Enterprise Value
 2.84B 1.29B 135.41M -219.95M -205.55M
EV to EBITDA
 31.71 9.85 0.45 0.00 -1.49
EV to Sales
 3.90 1.78 0.16 -0.50 -0.46
EV to Free Cash Flow
 -43.15 -70.09 0.69 -0.44 0.34
EV to Operating Cash Flow
 11.32 37.48 0.55 -0.41 0.38
Tangible Book Value Per Share
 74.30 70.97 66.87 61.40 60.44
Shareholders’ Equity Per Share
 72.60 69.56 65.55 60.20 59.23
Tax and Other Ratios
Effective Tax Rate
 -0.49 0.25 0.16 0.15 0.20
Revenue Per Share
 19.65 19.58 22.39 11.81 13.17
Net Income Per Share
 4.27 4.14 5.87 5.16 2.37
Tax Burden
 2.29 1.48 0.82 0.83 0.78
Interest Burden
 1.00 1.00 1.00 -6.33 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.18 0.21 0.10 0.15 0.13
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.59 0.22 1.09 2.73 -6.55
Currency in EUR