Stock FIB FIRST INVESTMENT BANK AD
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Financials First Investment Bank AD

Equities

FIB

BG1100106050

Banks

End-of-day quote Bulgaria S.E.
Other stock markets
 06:00:00 2024-05-22 pm EDT 		5-day change 1st Jan Change
4.2 BGN -10.64% Intraday chart for First Investment Bank AD -5.41% +43.84%
Feb. 29 First Investment Bank AD Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Visa Platinum Business Debit Cards from Fibank Facilitate Businesses Banking CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 370.7 391.6 274.3 238.5 296.7 435.3
Enterprise Value (EV) 1 501.6 292.3 342 209.6 233.3 661.5
P/E ratio 2.25 x 2.85 x 5.17 x 2.16 x 3.05 x 2.76 x
Yield - - - - - -
Capitalization / Revenue 0.95 x 1.21 x 0.99 x 0.77 x 0.89 x 1.03 x
EV / Revenue 1.29 x 0.9 x 1.24 x 0.68 x 0.7 x 1.57 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.41 x 0.4 x 0.23 x 0.18 x 0.21 x 0.28 x
Nbr of stocks (in thousands) 110,000 110,000 149,085 149,085 149,085 149,085
Reference price 2 3.370 3.560 1.840 1.600 1.990 2.920
Announcement Date 3/1/19 3/9/20 3/1/21 5/14/22 4/29/23 4/29/24
1BGN in Million2BGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 390 323.8 276.3 309.3 332.5 421
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 161.8 154.4 51.5 124.8 110.1 177.8
Net income 1 164.6 137.6 44.97 110.6 97.24 157.6
Net margin 42.22% 42.49% 16.27% 35.75% 29.25% 37.43%
EPS 2 1.497 1.251 0.3560 0.7418 0.6523 1.057
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/1/19 3/9/20 3/1/21 5/14/22 4/29/23 4/29/24
1BGN in Million2BGN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 131 - 67.6 - - 226
Net Cash position 1 - 99.3 - 29 63.3 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 17.7% 15.1% 4.15% 8.79% 7.21% 10.6%
ROA (Net income/ Total Assets) 1.77% 1.36% 0.41% 0.96% 0.77% 1.12%
Assets 1 9,282 10,098 10,845 11,532 12,603 14,118
Book Value Per Share 2 8.280 8.870 8.140 8.820 9.350 10.50
Cash Flow per Share 2 1.630 3.290 1.270 1.760 1.770 2.230
Capex 1 14.8 13.4 12.4 14.4 42 29.5
Capex / Sales 3.8% 4.14% 4.49% 4.67% 12.63% 7%
Announcement Date 3/1/19 3/9/20 3/1/21 5/14/22 4/29/23 4/29/24
1BGN in Million2BGN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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