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Piraeus Financial Holdings S.A. (TPEIR.AT)

EUR9.38 +0.08 (+0.86%)
GR ATH Financial Services Banks - Regional
Address 4, Amerikis Street 105 64
Athens, GR
CEO Christos Loannis Megalou
IPO 1986-01-02
ISIN GRS831003009

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Also trades on Athens Stock Exchange · TPEIR.AT (EUR) Other OTC · BPIRF (USD) Other OTC · BPIRY (USD) Other OTC · PIRBF (USD)
Description

Piraeus Financial Holdings S.A. is a prominent financial institution providing a broad spectrum of banking and financial services, catering to clients both within Greece and globally. The company's operations are organized across several key divisions: Retail Banking, Corporate Banking, Piraeus Financial Markets, Other activities, and a dedicated NPE Management Unit for non-performing exposures. Its extensive product portfolio includes diverse deposit accounts, such as term, savings, and current options, alongside personal banking and payroll solutions. Customers also have access to various card products, including credit, debit, and prepaid options. The lending segment covers a wide array of financial products, encompassing mortgages, commercial real estate loans, corporate financing, consumer credit, vehicle loans, sovereign lending, personal loans, home equity, agricultural financing, restructuring facilities, and working capital loans, as well as overdraft services. Piraeus Financial Holdings also facilitates investments through mutual funds, corporate and treasury bonds, equities, and specialized energy finance and treasury products. Furthermore, it offers a comprehensive suite of insurance solutions, ranging from policies for cars, homes, and civil liability to health, endowment, accident/life, and lifestyle coverage, including corporate and group life and health plans, and protection against electronic and cyber risks. The institution delivers a host of other financial and advisory services, such as financial planning, asset management, payment and remittance solutions, cash management, settlement services, payroll processing, fixed income trading, foreign exchange, risk management, stock exchange services, corporate factoring, and both financial and operating leasing. Digital banking services, infrastructure advisory, project and real estate finance, remote banking, debt securities issuance, and commercial debt assessment and collection are also part of its offerings. Beyond core banking, the company's activities extend to portfolio, yachting, shopping center, property, and real estate management services. It also operates an insurance agency, engages in land and real estate development and construction, trades boat vehicles, cars, and equipment, and handles real estate purchases, sales, and rentals. Advisory, hotel and training, financial, telecommunication, and information technology services further diversify its business. Founded in 1916 and originally known as Piraeus Bank S.A., the company maintains its headquarters in Athens, Greece.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR9.38 +0.08 (+0.86%)
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Volume Profile
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Liquidity & share structure
Average Volume
4M
Beta
0.96
Float Shares
1.23B
Free Float %
99.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.26% -3.02% -0.61% -3.36% +21.33% +23.83% +55.70% +263.98% +432.15% -91.27% -100.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
9.38
Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 11 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.60
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -35.7% Q1'26: -7.6% (vs Q1'25)
  • EPS growth
    -4.7% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -382.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +44.0% (vs Q1'25)
  • ROIC
    Q1'26: +15.6% (vs Q1'25)
  • Share dilution
    +3.9% Q1'26: -1.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.31× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.88) × ERP
WACC = 50% × Ke + 50% × Kd (6.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 9.38
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
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
5 Rev. Ana.
3 EPS Ana.
Dec 2027
12 Rev. Ana.
8 EPS Ana.
Dec 2028
9 Rev. Ana.
6 EPS Ana.
Revenue
2.37B
est.
2.86B
est: 2.57B (+11.2%)
2.41B
est: 2.27B (+6.4%)
2.36B
est: 1.84B (+27.9%)
2.26B
est: 1.89B (+19.3%)
2.22B
est: 1.89B (+17.1%)
2.69B
est: 2.31B (+16.1%)
2.64B
est: 2.40B (+9.9%)
3.38B
est: 2.42B (+40.0%)
3.78B
est: 2.72B (+39.0%)
2.43B
est: 2.65B (-8.2%)
2.82B
2.78B – 2.92B
+6.5% YoY
3.01B
2.83B – 3.24B
+6.9% YoY
3.20B
3.20B – 3.20B
+6.2% YoY
EBITDA
23.06M
est.
-51.58M
est: 24.94M (-306.8%)
-1.12B
est: 22.00M (-5,194.4%)
183.00M
est: 17.90M (+922.6%)
519.00M
est: 18.37M (+2,725.7%)
-416.00M
est: 18.40M (-2,361.4%)
-2.58B
est: 22.47M (-11,567.7%)
1.15B
est: 23.33M (+4,808.7%)
1.18B
est: 410.97M (+188.1%)
1.56B
est: 462.24M (+236.4%)
1.49B
est: 450.31M (+231.5%)
479.65M
473.34M – 497.05M
+6.5% YoY
512.89M
482.41M – 552.18M
+6.9% YoY
544.92M
544.47M – 545.37M
+6.2% YoY
EBIT
-70.59M
est.
-150.58M
est: -76.37M (-97.2%)
-1.22B
est: -67.37M (-1,709.5%)
80.00M
est: -54.79M (+246.0%)
389.00M
est: -56.23M (+791.8%)
-534.00M
est: -56.32M (-848.2%)
-2.69B
est: -68.80M (-3,811.6%)
1.04B
est: -71.41M (+1,552.2%)
1.08B
est: 330.47M (+226.2%)
1.44B
est: 371.69M (+286.3%)
1.44B
est: 362.10M (+297.1%)
385.69M
380.62M – 399.69M
+6.5% YoY
412.43M
387.92M – 444.02M
+6.9% YoY
438.18M
437.82M – 438.54M
+6.2% YoY
Net Income
-628.04B
est.
-34.36M
est: -627.48M (+94.5%)
-200.00M
est: -3.10B (+93.5%)
-158.00M
est: -6.07B (+97.4%)
280.00M
est: 3.04B (-90.8%)
-664.00M
est: -5.01B (+86.7%)
-3.01B
est: -2.95B (-2.2%)
950.00M
est: 596.72M (+59.2%)
788.00M
est: 1.05B (-25.1%)
1.07B
est: 1.14B (-6.7%)
1.06B
est: 1.07B (-0.5%)
1.20B
1.17B – 1.24B
+12.3% YoY
1.28B
1.24B – 1.41B
+6.7% YoY
1.40B
1.37B – 1.50B
+9.8% YoY
SGA
201.04M
est.
291.05M
est: 217.48M (+33.8%)
247.00M
est: 191.85M (+28.7%)
301.00M
est: 156.03M (+92.9%)
257.00M
est: 160.14M (+60.5%)
282.00M
est: 160.39M (+75.8%)
248.00M
est: 195.92M (+26.6%)
203.00M
est: 203.37M (-0.2%)
225.00M
est: 230.97M (-2.6%)
228.00M
est: 259.79M (-12.2%)
442.00M
est: 253.09M (+74.6%)
269.57M
266.03M – 279.36M
+6.5% YoY
288.26M
271.13M – 310.34M
+6.9% YoY
306.26M
306.00M – 306.51M
+6.2% YoY
EPS
-503.99
est.
7.62
est: -0.50 (+1,613.9%)
-7.60
est: -2.49 (-205.8%)
0.00
est: -4.87 (+100.0%)
10.02
est: 2.44 (+310.6%)
-0.53
est: -4.02 (+86.8%)
-3.51
est: -2.37 (-48.3%)
0.76
est: 0.48 (+58.7%)
0.59
est: 0.84 (-30.1%)
0.86
est: 0.87 (-1.3%)
0.82
est: 0.84 (-2.9%)
0.94
0.91 – 0.96
+10.8% YoY
1.03
0.96 – 1.09
+9.9% YoY
1.13
1.06 – 1.16
+9.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 B 3/5 1/5 4/5 4/5 1/5 3/5 3/5
2026-05-07 B 3/5 1/5 4/5 4/5 1/5 3/5 3/5
2026-05-06 B 3/5 1/5 4/5 4/5 1/5 3/5 3/5
2026-05-05 B 3/5 1/5 4/5 4/5 1/5 3/5 3/5
2026-05-04 B 3/5 1/5 4/5 4/5 1/5 3/5 3/5
2026-04-30 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-29 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-28 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-27 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-24 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-23 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-22 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-21 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-20 B 3/5 1/5 4/5 4/5 1/5 4/5 3/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-04-15 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.70B
OE per share TTM
-1.40
Owner's Yield
-16.08%
Maintenance CapEx ratio
25.99%
Maint CapEx / Avg PPE
31.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
185.0K
Shares Outstanding
1.23B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Christos Loannis Megalou MD, Chief Executive Officer & Executive Director 2M male
Vasileios Dimitrios Koutentakis Executive Director 894.8K male
Georgios Ioannis Liakopoulos Group General Counsel male
Ioannis Stamoulis Executive General Manager & Group Chief Risk Officer male
Charalampos Margaritis Executive GM & Group Chief Operating Officer male
Panagiotis Vlachopoulos Chief Investment Officer of Piraeus Bank male
Theodore Tzouros Executive GM & Chief of Corporate and Investment Banking male
Theodoros Gnardellis Executive General Manager & Group Chief Financial Officer male
Lydia Papadopoulou Company Secretary female
Chryssanthi Berbati GM and Head of Business Planning, IR & ESG female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits