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National Bank of Greece S.A. (ETE.AT)
Athens, GI, GR
National Bank of Greece S.A. (NBG), a prominent financial institution, delivers a comprehensive suite of financial products and services across a broad international footprint. Its operations span Greece, the United Kingdom, North Macedonia, Romania, Cyprus, Bulgaria, Malta, Egypt, and Luxembourg. NBG organizes its diverse activities into several key operational divisions: Retail Banking, Corporate & Investment Banking, a dedicated Trouble Assets Unit, Global Markets and Asset Management, Insurance, International Banking Operations, and Other services. Retail Banking caters to individuals, professionals, and small to medium-sized enterprises (SMEs). This segment offers a wide array of services including various deposit and investment options, bancassurance, mortgage and consumer loans, financing for small businesses, and a full spectrum of card products (debit, credit, and prepaid). These services are accessible through its extensive branch network and digital platforms. The Corporate & Investment Banking segment provides tailored financial and investment advisory, deposit solutions, lending facilities, foreign exchange, and trade finance to its corporate clientele. It also specializes in providing credit to large and medium-sized corporations, alongside dedicated shipping finance services. A dedicated Trouble Assets Unit is responsible for the management and recovery of non-performing loans. The Global Markets and Asset Management division handles treasury operations, and offers comprehensive asset management, custody, private equity, and brokerage services. NBG's Insurance segment provides a diverse range of insurance products. Through its foreign branches, the International Banking Operations segment delivers a full suite of traditional commercial banking services, including commercial and retail credit, trade financing, foreign exchange, and deposit products. This segment also encompasses international shipping finance, investment banking, and brokerage activities. The "Other" segment primarily focuses on real estate management and warehousing operations. Within Greece, as of December 31, 2021, NBG maintains a substantial physical presence, featuring 337 branches, 16 Transaction Offices, 2 I-Bank Stores, and an extensive network of 1,474 ATMs. Established in 1841, National Bank of Greece S.A. is headquartered in Athens, Greece.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.33% | +1.93% | -5.62% | -1.92% | +8.35% | +9.85% | +39.18% | +177.82% | +464.43% | +379.19% | -99.47% |
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 | 12 | 0 |
| Hold | 3 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-22.0% Q1'26: -12.4% (vs Q1'25)
-
EPS growth+0.0% Q1'26: -9.1% (vs Q1'25)
-
FCF margin— Q1'26: -17.6% (vs Q1'25)
-
EBIT margin— Q1'26: +59.9% (vs Q1'25)
-
ROIC— Q1'26: +9.3% (vs Q1'25)
-
Share dilution+8.8% Q1'26: +26.8% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.81× (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 9 Rev. Ana. 7 EPS Ana. |
Dec 2027 10 Rev. Ana. 8 EPS Ana. |
Dec 2028 9 Rev. Ana. 7 EPS Ana. |
Dec 2029 4 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.85B
est: 3.43B (-17.1%)
|
2.09B
est: 2.31B (-9.4%)
|
1.96B
est: 1.65B (+18.4%)
|
1.65B
est: 1.39B (+18.8%)
|
2.02B
est: 1.71B (+17.6%)
|
2.81B
est: 2.34B (+19.8%)
|
2.17B
est: 1.85B (+17.0%)
|
2.27B
est: 1.96B (+16.1%)
|
3.30B
est: 2.71B (+21.7%)
|
3.57B
est: 2.86B (+25.1%)
|
2.79B
est: 2.72B (+2.4%)
|
2.83B
2.77B – 2.89B
+4.0% YoY
|
3.02B
2.94B – 3.08B
+6.7% YoY
|
3.21B
3.21B – 3.22B
+6.5% YoY
|
3.35B
3.27B – 3.42B
+4.1% YoY
|
| EBITDA |
-3.41B
est: 1.52B (-324.7%)
|
192.00M
est: 1.02B (-81.2%)
|
-32.00M
est: 730.80M (-104.4%)
|
104.00M
est: 614.34M (-83.1%)
|
389.00M
est: 758.51M (-48.7%)
|
568.00M
est: 1.04B (-45.2%)
|
962.00M
est: 820.43M (+17.3%)
|
1.33B
est: 865.06M (+53.4%)
|
1.67B
est: 1.41B (+18.4%)
|
1.70B
est: 1.48B (+14.8%)
|
1.64B
est: 1.41B (+15.8%)
|
1.47B
1.44B – 1.50B
+4.0% YoY
|
1.57B
1.53B – 1.60B
+6.7% YoY
|
1.67B
1.67B – 1.67B
+6.5% YoY
|
1.74B
1.70B – 1.78B
+4.1% YoY
|
| EBIT |
-3.61B
est: 1.30B (-376.8%)
|
43.00M
est: 875.73M (-95.1%)
|
-131.00M
est: 626.81M (-120.9%)
|
13.00M
est: 526.92M (-97.5%)
|
257.00M
est: 650.58M (-60.5%)
|
414.00M
est: 889.50M (-53.5%)
|
799.00M
est: 703.69M (+13.5%)
|
1.16B
est: 741.97M (+55.7%)
|
1.48B
est: 1.27B (+16.5%)
|
1.52B
est: 1.34B (+13.5%)
|
1.65B
est: 1.27B (+29.3%)
|
1.32B
1.30B – 1.35B
+4.0% YoY
|
1.41B
1.38B – 1.44B
+6.7% YoY
|
1.51B
1.50B – 1.51B
+6.5% YoY
|
1.57B
1.53B – 1.60B
+4.1% YoY
|
| Net Income |
-4.23B
est: -2.91B (-45.4%)
|
-2.89B
est: 24.58M (-11,846.5%)
|
-443.00M
est: -105.71M (-319.1%)
|
-84.00M
est: 35.20M (-338.6%)
|
-255.00M
est: 337.42M (-175.6%)
|
33.00M
est: 230.00M (-85.7%)
|
867.00M
est: 673.46M (+28.7%)
|
1.12B
est: 720.60M (+55.4%)
|
1.11B
est: 1.35B (-18.1%)
|
1.16B
est: 1.43B (-19.3%)
|
1.26B
est: 1.34B (-6.2%)
|
1.34B
1.26B – 1.42B
-0.3% YoY
|
1.53B
1.43B – 1.62B
+13.9% YoY
|
1.70B
1.62B – 1.78B
+11.6% YoY
|
1.63B
1.58B – 1.67B
-4.4% YoY
|
| SGA |
271.00M
est: 266.20M (+1.8%)
|
219.00M
est: 178.86M (+22.4%)
|
220.00M
est: 128.02M (+71.8%)
|
211.00M
est: 107.62M (+96.1%)
|
206.00M
est: 132.88M (+55.0%)
|
179.00M
est: 181.68M (-1.5%)
|
191.00M
est: 143.73M (+32.9%)
|
191.00M
est: 151.54M (+26.0%)
|
249.00M
est: 272.50M (-8.6%)
|
272.00M
est: 287.00M (-5.2%)
|
498.00M
est: 273.39M (+82.2%)
|
284.21M
278.14M – 290.67M
+4.0% YoY
|
303.37M
295.17M – 309.12M
+6.7% YoY
|
323.16M
322.89M – 323.42M
+6.5% YoY
|
336.53M
328.36M – 343.53M
+4.1% YoY
|
| EPS |
-9.20
est: -3.19 (-188.7%)
|
-3.30
est: 0.03 (-12,348.1%)
|
-0.48
est: -0.12 (-314.2%)
|
-0.09
est: 0.04 (-333.2%)
|
-0.28
est: 0.37 (-175.7%)
|
0.04
est: 0.25 (-85.7%)
|
0.95
est: 0.74 (+28.7%)
|
1.22
est: 0.80 (+52.9%)
|
1.21
est: 1.36 (-11.3%)
|
1.27
est: 1.45 (-12.3%)
|
1.27
est: 1.36 (-6.3%)
|
1.38
1.27 – 1.43
+1.6% YoY
|
1.54
1.44 – 1.63
+11.9% YoY
|
1.72
1.64 – 1.79
+11.6% YoY
|
1.64
1.59 – 1.68
-4.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 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 |
|---|---|---|---|
| Pavlos Konstantinos Mylonas | Chief Executive Officer & Executive Director | 2M | — |
| Christina T. Theofilidi | Executive Director & GM of Retail Banking | 1M | female |
| Eleftherios Kororos | Assistant GM & Group Chief Information Officer | — | male |
| Georgios Triantafillakis | General Manager of Group Legal Services | — | male |
| Gregory Papagrigoris | Head of IR | — | male |
| Panagiotis-Ioannis A. Dasmanoglou | GM of Group Compliance & Corporate Governance and Secretary | — | male |
| Stratos Molyviatis | GM & Group COO | — | male |
| Chara Dalekou | General Manager of Group Marketing | — | female |
| Vasilis Karamouzis | General Manager of Corporate & Investment Banking | — | male |
| Christos D. Christodoulou | GM & Group Chief Financial Officer | — | 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 ETE.AT
Short-term intention
Target Price Distribution
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