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Alpha Bank S.A. (ALPHA.AT)
Athens, GR
Alpha Services and Holdings S.A., known as Alpha Bank S.A., is a prominent financial institution delivering a comprehensive suite of banking and financial services to individuals, professionals, and corporate clients, operating across Greece and internationally. Its diverse operations are organized into key segments, including Retail Banking, Corporate Banking, Asset Management and Insurance, Investment Banking and Treasury, South Eastern Europe, and various other activities. The company offers a wide array of deposit options, such as savings, checking, and current accounts, alongside investment vehicles like term deposits, repurchase agreements (repos), and swaps. Its lending solutions encompass mortgage, consumer, and corporate loans, in addition to working capital facilities and letters of guarantee. Customers also have access to debit and credit cards. Beyond conventional banking, Alpha Bank extends its services to include leasing, factoring, and wealth management. It also provides insurance products, capital markets advisory, brokerage, and stock exchange services. Investment banking, interbank market transactions, and securitization are further components of its financial activities. Modern mobile and web banking platforms are available for client convenience. Uniquely, the group also holds interests in real estate management and hotel services. Founded in Athens, Greece, in 1879, the institution maintained a network of 450 branches as of December 31, 2021.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.34% | +8.33% | +8.33% | +4.54% | +8.94% | +8.63% | +39.39% | +170.07% | +263.46% | +59.39% | -99.59% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 13 | +2 |
| Hold | 1 | -1 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-9.4% Q1'26: -4.1% (vs Q1'25)
-
EPS growth+35.7% Q1'26: -22.1% (vs Q1'25)
-
FCF margin— Q1'26: +23.1% (vs Q1'25)
-
EBIT margin— Q1'26: +22.4% (vs Q1'25)
-
ROIC— Q1'26: +4.8% (vs Q1'25)
-
Share dilution-0.1% Q1'26: -0.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 10.28× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 2 EPS Ana. |
Dec 2027 12 Rev. Ana. 9 EPS Ana. |
Dec 2028 10 Rev. Ana. 9 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.26B
est: 2.35B (-3.8%)
|
2.44B
est: 2.49B (-1.9%)
|
2.47B
est: 2.44B (+1.4%)
|
2.60B
est: 2.58B (+0.6%)
|
2.31B
est: 2.24B (+3.0%)
|
2.57B
est: 2.35B (+9.3%)
|
249.08M
est: 1.95B (-87.2%)
|
2.27B
est: 1.94B (+17.4%)
|
4.09B
est: 1.74B (+135.4%)
|
5.06B
est: 2.18B (+131.5%)
|
4.58B
est: 2.20B (+108.0%)
|
2.43B
2.41B – 2.46B
+10.6% YoY
|
2.63B
2.50B – 2.73B
+8.1% YoY
|
2.79B
2.78B – 2.80B
+6.2% YoY
|
| EBITDA |
-1.72B
est: -45.59M (-3,681.1%)
|
215.01M
est: -48.28M (+545.3%)
|
349.21M
est: -47.32M (+837.9%)
|
-196.75M
est: -50.16M (-292.3%)
|
330.54M
est: -43.51M (+859.7%)
|
289.96M
est: -45.71M (+734.3%)
|
-2.66B
est: -37.88M (-6,933.2%)
|
750.32M
est: -37.60M (+2,095.6%)
|
1.01B
est: -3.60M (+28,164.5%)
|
1.08B
est: -4.52M (+23,939.1%)
|
913.00M
est: -4.56M (+20,123.5%)
|
-5.04M
-5.10M – -4.99M
-10.6% YoY
|
-5.45M
-5.65M – -5.19M
-8.1% YoY
|
-5.79M
-5.81M – -5.77M
-6.2% YoY
|
| EBIT |
-1.86B
est: -155.01M (-1,101.0%)
|
61.57M
est: -164.17M (+137.5%)
|
168.28M
est: -160.90M (+204.6%)
|
-288.09M
est: -170.54M (-68.9%)
|
168.83M
est: -147.94M (+214.1%)
|
112.39M
est: -155.43M (+172.3%)
|
-2.93B
est: -128.79M (-2,174.0%)
|
543.88M
est: -127.84M (+525.4%)
|
835.00M
est: -68.08M (+1,326.6%)
|
871.00M
est: -85.62M (+1,117.2%)
|
861.00M
est: -86.34M (+1,097.3%)
|
-95.48M
-96.60M – -94.55M
-10.6% YoY
|
-103.19M
-106.92M – -98.19M
-8.1% YoY
|
-109.57M
-109.95M – -109.19M
-6.2% YoY
|
| Net Income |
-1.37B
est: -2.37B (+42.1%)
|
42.14M
est: 71.33M (-40.9%)
|
21.07M
est: 222.05M (-90.5%)
|
52.96M
est: 46.08M (+14.9%)
|
97.01M
est: 184.25M (-47.3%)
|
103.80M
est: 282.99M (-63.3%)
|
-2.91B
est: 129.89M (-2,337.4%)
|
368.10M
est: 374.78M (-1.8%)
|
662.00M
est: 519.45M (+27.4%)
|
668.00M
est: 768.00M (-13.0%)
|
943.00M
est: 819.00M (+15.1%)
|
965.05M
930.94M – 999.17M
+17.8% YoY
|
1.08B
1.06B – 1.20B
+12.3% YoY
|
1.17B
1.10B – 1.40B
+7.9% YoY
|
| SGA |
323.38M
est: 657.59M (-50.8%)
|
302.01M
est: 696.47M (-56.6%)
|
343.00M
est: 682.59M (-49.7%)
|
319.87M
est: 723.47M (-55.8%)
|
300.45M
est: 627.61M (-52.1%)
|
283.73M
est: 659.37M (-57.0%)
|
283.01M
est: 546.38M (-48.2%)
|
199.13M
est: 542.33M (-63.3%)
|
158.00M
est: 476.76M (-66.9%)
|
139.00M
est: 599.65M (-76.8%)
|
380.80M
est: 604.65M (-37.0%)
|
668.70M
662.14M – 676.51M
+10.6% YoY
|
722.65M
687.65M – 748.83M
+8.1% YoY
|
767.34M
764.68M – 769.99M
+6.2% YoY
|
| EPS |
-3.56
est: -1.02 (-248.3%)
|
0.03
est: 0.03 (-11.0%)
|
0.01
est: 0.10 (-85.7%)
|
0.03
est: 0.02 (+72.4%)
|
0.07
est: 0.08 (-14.2%)
|
0.07
est: 0.12 (-45.0%)
|
-1.50
est: 0.06 (-2,775.5%)
|
0.16
est: 0.16 (-1.1%)
|
0.26
est: 0.22 (+17.2%)
|
0.28
est: 0.32 (-13.1%)
|
0.38
est: 0.36 (+4.9%)
|
0.42
0.40 – 0.43
+15.4% YoY
|
0.48
0.46 – 0.52
+14.5% YoY
|
0.54
0.48 – 0.60
+12.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-25 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Vassilios E. Psaltis | Chief Executive Officer & Executive Director | 2M | male |
| Iason Kepaptsoglou | Head of Investor Relations | — | — |
| Ioannis Minas Emiris | Chief of Wholesale Banking | — | male |
| Lazaros A. Papagaryfallou | Deputy CEO & Executive Director | — | male |
| Michalis V. Tsarbopoulos | Chief Digital and Technology Officer | — | male |
| Spyridon Tzamtzis | Executive GM of IT & Chief Information Officer | — | male |
| Thaleia Z. Emiri | Chief Legal Officer | — | female |
| Vassilios Kosmas | Chief Financial Officer | — | male |
| Fragiski G. Melissa | Chief Human Resources Officer | — | female |
| Xenofon D. Avlonitis | Chief of Compliance | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ALPHA.AT
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
