National Bank of Greece SA (0RCR) Ratios
National Bank of Greece SA Ratios
GB:0RCR's free cash flow for Q2 2026 was $-91.00M. For the 2026 fiscal year, GB:0RCR's free cash flow was decreased by $-62.00M and operating cash flow was $-29.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.88 | 0.18 | 0.26 | 0.37 | 0.44 |
| Quick Ratio | 1.88 | 0.18 | 0.26 | 0.37 | 0.44 |
| Cash Ratio | 1.88 | 0.13 | 0.20 | 0.31 | 0.36 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.51 | 0.03 | -0.08 | 0.03 | 0.12 |
| Short-Term Operating Cash Flow Coverage | 0.51 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -64.34B | $ -55.67B | $ -51.68B | $ -50.46B | $ -53.89B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.06 | 0.04 | 0.04 | 0.03 |
| Debt-to-Equity Ratio | 0.79 | 0.51 | 0.40 | 0.46 | 0.39 |
| Debt-to-Capital Ratio | 0.44 | 0.34 | 0.29 | 0.31 | 0.28 |
| Long-Term Debt-to-Capital Ratio | 0.31 | 0.34 | 0.29 | 0.31 | 0.28 |
| Financial Leverage Ratio | 8.71 | 8.90 | 9.78 | 12.11 | 14.60 |
| Debt Service Coverage Ratio | 0.44 | 1.94 | 2.48 | 7.00 | 6.36 |
| Interest Coverage Ratio | 3.50 | 2.18 | 2.83 | 7.60 | 5.36 |
| Debt to Market Cap | 0.54 | 0.61 | 0.53 | 0.86 | 0.83 |
| Interest Debt Per Share | 7.64 | 5.44 | 3.93 | 3.39 | 2.60 |
| Net Debt to EBITDA | 0.89 | -2.15 | -5.37 | -10.88 | -18.48 |
| Profitability Margins | |||||
| Gross Profit Margin | 93.21% | 80.52% | 84.18% | 93.31% | 93.13% |
| EBIT Margin | 59.14% | 42.47% | 44.82% | 50.86% | 36.84% |
| EBITDA Margin | 66.57% | 47.68% | 50.52% | 58.43% | 44.35% |
| Operating Profit Margin | 59.14% | 42.47% | 44.82% | 50.86% | 36.84% |
| Pretax Profit Margin | 59.14% | 42.47% | 44.82% | 50.86% | 36.84% |
| Net Profit Margin | 45.21% | 32.42% | 33.52% | 49.32% | 39.97% |
| Continuous Operations Profit Margin | 45.31% | 32.50% | 33.61% | 39.28% | 36.15% |
| Net Income Per EBT | 76.44% | 76.33% | 74.78% | 96.97% | 108.51% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.60% | 1.54% | 1.48% | 1.43% | 1.03% |
| Return on Equity (ROE) | 13.90% | 13.75% | 14.50% | 17.36% | 15.08% |
| Return on Capital Employed (ROCE) | 2.17% | 9.61% | 9.51% | 5.42% | 2.80% |
| Return on Invested Capital (ROIC) | 1.60% | 7.35% | 7.13% | 4.18% | 2.74% |
| Return on Tangible Assets | 1.61% | 1.56% | 1.49% | 1.44% | 1.04% |
| Earnings Yield | 9.76% | 16.57% | 18.92% | 32.65% | 32.35% |
| Efficiency Ratios | |||||
| Receivables Turnover | 146.58 | 1.25 | 1.04 | 0.61 | 0.51 |
| Payables Turnover | 11.12 | 49.71 | 8.56 | 19.00 | 49.67 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.84 | 2.76 | 2.46 | 1.45 | 1.31 |
| Asset Turnover | 0.04 | 0.05 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.12 | -0.08 | -0.08 | -0.07 | -0.06 |
| Cash Conversion Cycle | -30.34 | 283.78 | 308.63 | 581.57 | 709.02 |
| Days of Sales Outstanding | 2.49 | 291.12 | 351.28 | 600.78 | 716.37 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 32.83 | 7.34 | 42.65 | 19.21 | 7.35 |
| Operating Cycle | 2.49 | 291.12 | 351.28 | 600.78 | 716.37 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.49 | 2.16 | -5.23 | 2.10 | 7.25 |
| Free Cash Flow Per Share | 0.95 | 1.84 | -5.23 | 1.89 | 7.05 |
| Dividend Paid and CapEx Coverage Ratio | 1.29 | 3.13 | 0.00 | 9.97 | 23.27 |
| Capital Expenditure Coverage Ratio | 2.75 | 6.60 | 0.00 | 9.97 | 37.04 |
| Operating Cash Flow Coverage Ratio | 0.21 | 0.46 | -1.56 | 0.65 | 2.97 |
| Operating Cash Flow to Sales Ratio | 0.53 | 0.55 | -1.45 | 0.85 | 3.06 |
| Free Cash Flow Yield | 7.29% | 23.97% | -81.82% | 50.49% | 240.73% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.24 | 6.03 | 5.28 | 3.06 | 3.09 |
| Price-to-Sales (P/S) Ratio | 4.63 | 1.96 | 1.77 | 1.51 | 1.24 |
| Price-to-Book (P/B) Ratio | 1.43 | 0.83 | 0.77 | 0.53 | 0.47 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.71 | 4.17 | -1.22 | 1.98 | 0.42 |
| Price-to-Operating Cash Flow Ratio | 8.73 | 3.54 | -1.22 | 1.78 | 0.40 |
| Price-to-Earnings Growth (PEG) Ratio | 0.00 | 1.22 | -6.45 | 0.11 | 0.00 |
| Enterprise Value Multiple | 7.85 | 1.95 | -1.86 | -8.30 | -15.69 |
| Enterprise Value | 14.56B | 3.33B | -3.11B | -11.01B | -15.09B |
| EV to EBITDA | 7.85 | 1.95 | -1.86 | -8.30 | -15.69 |
| EV to Sales | 5.23 | 0.93 | -0.94 | -4.85 | -6.96 |
| EV to Free Cash Flow | 15.47 | 1.99 | 0.65 | -6.36 | -2.34 |
| EV to Operating Cash Flow | 9.84 | 1.69 | 0.65 | -5.72 | -2.28 |
| Tangible Book Value Per Share | 8.43 | 8.58 | 7.79 | 6.61 | 5.93 |
| Shareholders’ Equity Per Share | 9.12 | 9.23 | 8.34 | 7.05 | 6.29 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.23 | 0.25 | 0.23 | 0.02 |
| Revenue Per Share | 2.81 | 3.92 | 3.61 | 2.48 | 2.37 |
| Net Income Per Share | 1.27 | 1.27 | 1.21 | 1.22 | 0.95 |
| Tax Burden | 0.76 | 0.76 | 0.75 | 0.97 | 1.09 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.18 | 0.08 | 0.06 | 0.07 | 0.07 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.17 | 1.70 | -3.23 | 1.38 | 7.36 |
Currency in EUR
