ZYE1 Fundamental Analysis - ADDIKO BANK AG

Fundamental Rating

ZYE1 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. While ZYE1 seems to be doing ok healthwise, there are quite some concerns on its profitability. ZYE1 has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

ZYE1 had positive earnings in the past year.

ZYE1 had a positive operating cash flow in the past year.

In the past 5 years ZYE1 has always been profitable.

ZYE1 had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ZYE1's Return On Assets of 0.71% is in line compared to the rest of the industry. ZYE1 outperforms 51.58% of its industry peers.

ZYE1's Return On Equity of 5.41% is on the low side compared to the rest of the industry. ZYE1 is outperformed by 67.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.71%
ROE	5.41%
ROIC	N/A

ROA(3y)0.6%

ROA(5y)0.41%

ROE(3y)4.66%

ROE(5y)3.17%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 14.10%, ZYE1 is doing worse than 76.84% of the companies in the same industry.

ZYE1's Profit Margin has improved in the last couple of years.

ZYE1 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.1%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y37.44%

PM growth 5Y2.11%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ZYE1 does not have a ROIC to compare to the WACC, probably because it is not profitable.

ZYE1 has less shares outstanding than it did 1 year ago.

ZYE1 has less shares outstanding than it did 5 years ago.

ZYE1 has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of ZYE1 is 0.16, which is an excellent value as it means it would take ZYE1, only 0.16 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of ZYE1 (0.16) is better than 98.95% of its industry peers.

ZYE1 has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.

ZYE1 has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. ZYE1 outperforms 96.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.16
Altman-Z	N/A

ROIC/WACCN/A

WACC18.49%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.22% over the past year.

ZYE1 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.51% yearly.

ZYE1 shows a small growth in Revenue. In the last year, the Revenue has grown by 7.15%.

ZYE1 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.10% yearly.

EPS 1Y (TTM)11.22%

EPS 3Y49.81%

EPS 5Y5.51%

EPS Q2Q%-7.4%

Revenue 1Y (TTM)7.15%

Revenue growth 3Y8.74%

Revenue growth 5Y3.1%

Sales Q2Q%2.65%

3.2 Future

The Earnings Per Share is expected to grow by 12.99% on average over the next years. This is quite good.

ZYE1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.12% yearly.

EPS Next Y-1.7%

EPS Next 2Y11.09%

EPS Next 3Y12.99%

EPS Next 5YN/A

Revenue Next Year2.64%

Revenue Next 2Y4.36%

Revenue Next 3Y5.12%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.11, which indicates a very decent valuation of ZYE1.

ZYE1's Price/Earnings ratio is a bit cheaper when compared to the industry. ZYE1 is cheaper than 68.42% of the companies in the same industry.

ZYE1 is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 9.08, which indicates a very decent valuation of ZYE1.

Based on the Price/Forward Earnings ratio, ZYE1 is valued a bit cheaper than 77.89% of the companies in the same industry.

ZYE1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.11
Fwd PE	9.08

4.2 Price Multiples

ZYE1's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ZYE1 is cheaper than 96.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.19
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as ZYE1's earnings are expected to grow with 12.99% in the coming years.

PEG (NY)N/A

PEG (5Y)1.65

EPS Next 2Y11.09%

EPS Next 3Y12.99%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.77%, ZYE1 is a good candidate for dividend investing.

ZYE1's Dividend Yield is rather good when compared to the industry average which is at 4.93. ZYE1 pays more dividend than 96.84% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, ZYE1 pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.77%

5.2 History

The dividend of ZYE1 decreases each year by -13.27%.

Dividend Growth(5Y)-13.27%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

53.52% of the earnings are spent on dividend by ZYE1. This is a bit on the high side, but may be sustainable.

DP53.52%

EPS Next 2Y11.09%

EPS Next 3Y12.99%

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ADDIKO BANK AG

FRA:ZYE1 (9/15/2025, 7:00:00 PM)

21.4

-0.1 (-0.47%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13

Earnings (Next)11-06 2025-11-06

Inst Owners24.72%

Inst Owner ChangeN/A

Ins Owners23.24%

Ins Owner ChangeN/A

Market Cap417.30M

Analysts42.22

Price Target20.61 (-3.69%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.77%

Yearly Dividend1.26

Dividend Growth(5Y)-13.27%

DP53.52%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0.51%

PT rev (3m)0.31%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-1.28%

EPS NY rev (3m)-1.28%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.64%

Revenue NY rev (3m)-0.64%

Valuation

		Industry Rank	Sector Rank
PE	9.11
Fwd PE	9.08
P/S	1.3
P/FCF	1.19
P/OCF	1.15
P/B	0.5
P/tB	0.51
EV/EBITDA	N/A

EPS(TTM)2.35

EY10.98%

EPS(NY)2.36

Fwd EY11.01%

FCF(TTM)17.99

FCFY84.09%

OCF(TTM)18.64

OCFY87.11%

SpS16.51

BVpS43.05

TBVpS41.73

PEG (NY)N/A

PEG (5Y)1.65

Profitability

		Industry Rank	Sector Rank
ROA	0.71%
ROE	5.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.1%
GM	N/A
FCFM	108.98%

ROA(3y)0.6%

ROA(5y)0.41%

ROE(3y)4.66%

ROE(5y)3.17%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y37.44%

PM growth 5Y2.11%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.16
Debt/EBITDA	N/A
Cap/Depr	72.41%
Cap/Sales	3.91%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	772.91%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC18.49%

ROIC/WACCN/A

Cap/Depr(3y)57.84%

Cap/Depr(5y)59.36%

Cap/Sales(3y)3.43%

Cap/Sales(5y)3.97%

Profit Quality(3y)655.24%

Profit Quality(5y)4535.83%

High Growth Momentum

Growth

EPS 1Y (TTM)11.22%

EPS 3Y49.81%

EPS 5Y5.51%

EPS Q2Q%-7.4%

EPS Next Y-1.7%

EPS Next 2Y11.09%

EPS Next 3Y12.99%

EPS Next 5YN/A

Revenue 1Y (TTM)7.15%

Revenue growth 3Y8.74%

Revenue growth 5Y3.1%

Sales Q2Q%2.65%

Revenue Next Year2.64%

Revenue Next 2Y4.36%

Revenue Next 3Y5.12%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y112.93%

FCF growth 3Y12.33%

FCF growth 5YN/A

OCF growth 1Y108.07%

OCF growth 3Y12.02%

OCF growth 5YN/A

ADDIKO BANK AG (ZYE1.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens