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How does OPTIMA.AT make money? Does OPTIMA.AT have pricing power? What's the Earnings Whisper? Will OPTIMA.AT profit more as the business scales? What is OPTIMA.AT's management track record? Is OPTIMA.AT's current price justified?

Optima bank S.A.

€13.01 +$5.23 (+67.22%)

ATH · 16 Sep 2026 08:20 UTC

Previous Close

€12.69

Day Range

€12.9€13.22

Year Range

€7.52€13.42

Market Cap

2.88B

AVG Volume

325.76K

Trailing/Forward PE

14.95/10.84

PEG ratio

0.63

Dividend Yield

1.77%

Next Earnings Date

2026-12-02

Primary Exchange

Athens Stock Exchange

Revenue (EUR)

OPTIMA.AT Revenue (EUR) by quarter
Period	Revenue (EUR)
26 Q2	123.16M
26 Q1	107.11M
25 Q4	-112.09M
25 Q3	92.12M
25 Q2	89.67M
25 Q1	88.17M

Net Income (EUR)

OPTIMA.AT Net Income (EUR) by quarter
Period	Net Income (EUR)
26 Q2	56.82M
26 Q1	47.5M
25 Q4	46.64M
25 Q3	42.25M
25 Q2	42.09M
25 Q1	39M

Operating Income (EUR)

OPTIMA.AT Operating Income (EUR) by quarter
Period	Operating Income (EUR)
26 Q2	69.6M
26 Q1	58.14M
25 Q4	56.56M
25 Q3	51.38M
25 Q2	50.13M
25 Q1	47.23M

EBITDA (EUR)

OPTIMA.AT EBITDA (EUR) by quarter
Period	EBITDA (EUR)
26 Q2	69.6M
26 Q1	60.38M
25 Q4	57.16M
25 Q3	51.38M
25 Q2	50.13M
25 Q1	49.38M

Cash Flows (EUR)

OPTIMA.AT Cash Flows (EUR) by quarter
Period	Cash Flows (EUR)
26 Q2	31.99M
26 Q1	57.8M
25 Q4	103.39M
25 Q3	-10.35M
25 Q2	43.33M
25 Q1	54.83M

EPS (EUR)

OPTIMA.AT EPS (EUR) by quarter
Period	EPS (EUR)
26 Q2	0.26
26 Q1	0.21
25 Q4	0.21
25 Q3	0.19
25 Q2	0.19
25 Q1	0.18

Expenses (EUR)

OPTIMA.AT Expenses (EUR) by quarter
Period	Expenses (EUR)
26 Q2	11.44M
26 Q1	10.39M
25 Q4	10.03M
25 Q3	9.84M
25 Q2	9.39M
25 Q1	8.91M

Cash & Debt (EUR)

OPTIMA.AT Cash & Debt (EUR) by quarter
Period	Cash & Debt (EUR)
26 Q2	890.85M
26 Q1	612.56M
25 Q4	683.84M
25 Q3	846.23M
25 Q2	780.93M
25 Q1	582.07M
23 Q2	536.8M
22 Q4	331.65M

Debt ratios

OPTIMA.AT Debt ratios by quarter
Period	Debt ratios
26 Q2	-0.91
26 Q1	-0.56
25 Q4	-1.11

Margins

OPTIMA.AT Margins by quarter
Period	Margins
26 Q2	74.98%
26 Q1	74.36%
25 Q4	124.46%
25 Q3	76.9%
25 Q2	76.51%
25 Q1	73.49%

Return on Capital

OPTIMA.AT Return on Capital by quarter
Period	Return on Capital
26 Q2	7.11%
26 Q1	5.98%
25 Q4	6.34%
25 Q3	6.03%
25 Q2	6.39%
25 Q1	5.92%

Shares Outstanding

OPTIMA.AT Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	221.09M
26 Q1	221.07M
25 Q4	221.07M
25 Q3	221.29M
25 Q2	221.3M
25 Q1	221.31M

Dividends (EUR)

OPTIMA.AT Dividends (EUR) by quarter
Period	Dividends (EUR)
Jun 26	0.23
Jun 25	0.19
Jun 24	0.15

Book Value Per Share (EUR)

OPTIMA.AT Book Value Per Share (EUR) by quarter
Period	Book Value Per Share (EUR)
26 Q2	3.61
26 Q1	3.59
25 Q4	3.33
25 Q3	3.17
25 Q2	2.98
25 Q1	2.98

Total Assets (EUR)

OPTIMA.AT Total Assets (EUR) by quarter
Period	Total Assets (EUR)
26 Q2	8.68B
26 Q1	7.79B
25 Q4	7.56B
25 Q3	6.72B
25 Q2	6.25B
25 Q1	5.69B
23 Q2	3.21B
22 Q4	2.61B

PE Ratio

OPTIMA.AT PE Ratio by quarter
Period	PE Ratio
Sep 26	15.72
Sep 26	16.22
Sep 26	14.74
Aug 26	14.86
Aug 26	14.69
Aug 26	13.87
Aug 26	13.44
Jul 26	12.91
Jul 26	12.63
Jul 26	12.57
Jul 26	12.82
Jul 26	12.7
Jun 26	12.98
Jun 26	13.52
Jun 26	13.65
Jun 26	13.25
May 26	13.84
May 26	13.54
May 26	13.21
May 26	11.83
Apr 26	11.52
Apr 26	11.81
Apr 26	12.52
Apr 26	11.57
Apr 26	10.92

Free Cash Flow Yield

OPTIMA.AT Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	6.92%
Sep 26	6.7%
Sep 26	7.38%
Aug 26	7.32%
Aug 26	7.41%
Aug 26	7.84%
Aug 26	8.09%
Jul 26	8.43%
Jul 26	8.61%
Jul 26	8.65%
Jul 26	8.49%
Jul 26	8.57%
Jun 26	8.67%
Jun 26	8.32%
Jun 26	8.24%
Jun 26	8.49%
May 26	8.13%
May 26	8.31%
May 26	8.51%
May 26	9.5%
Apr 26	9.76%
Apr 26	9.52%
Apr 26	8.98%
Apr 26	9.72%
Apr 26	10.3%

Price to Sales

OPTIMA.AT Price to Sales by quarter
Period	Price to Sales
Sep 26	15.87
Sep 26	16.38
Sep 26	14.88
Aug 26	15
Aug 26	14.83
Aug 26	14
Aug 26	13.57
Jul 26	13.03
Jul 26	12.75
Jul 26	12.69
Jul 26	12.94
Jul 26	12.82
Jun 26	13.98
Jun 26	14.56
Jun 26	14.7
Jun 26	14.27
May 26	14.9
May 26	14.58
May 26	14.23
May 26	12.74
Apr 26	12.41
Apr 26	12.72
Apr 26	13.49
Apr 26	12.46
Apr 26	11.76

EV/EBITDA

OPTIMA.AT EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	12.25
Sep 26	12.66
Sep 26	11.45
Aug 26	11.55
Aug 26	11.41
Aug 26	10.74
Aug 26	10.39
Jul 26	9.96
Jul 26	9.74
Jul 26	9.69
Jul 26	9.89
Jul 26	9.79
Jun 26	9.49
Jun 26	9.94
Jun 26	10.04
Jun 26	9.71
May 26	10.19
May 26	9.95
May 26	9.68
May 26	8.56
Apr 26	8.3
Apr 26	8.53
Apr 26	9.12
Apr 26	8.34
Apr 26	7.81

Price/Operating Cashflow

OPTIMA.AT Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	14.33
Sep 26	14.79
Sep 26	13.43
Aug 26	13.55
Aug 26	13.39
Aug 26	12.64
Aug 26	12.25
Jul 26	11.76
Jul 26	11.51
Jul 26	11.46
Jul 26	11.68
Jul 26	11.57
Jun 26	11.43
Jun 26	11.91
Jun 26	12.02
Jun 26	11.67
May 26	12.18
May 26	11.92
May 26	11.63
May 26	10.42
Apr 26	10.15
Apr 26	10.4
Apr 26	11.03
Apr 26	10.19
Apr 26	9.62

Price to Book

OPTIMA.AT Price to Book by quarter
Period	Price to Book
Sep 26	3.53
Sep 26	3.65
Sep 26	3.31
Aug 26	3.34
Aug 26	3.3
Aug 26	3.12
Aug 26	3.02
Jul 26	2.9
Jul 26	2.84
Jul 26	2.83
Jul 26	2.88
Jul 26	2.85
Jun 26	3
Jun 26	3.12
Jun 26	3.15
Jun 26	3.06
May 26	3.2
May 26	3.13
May 26	3.05
May 26	2.73
Apr 26	2.66
Apr 26	2.73
Apr 26	2.89
Apr 26	2.67
Apr 26	2.52
Mar 26	2.64
Mar 26	2.6
Mar 26	2.77
Mar 26	2.7
Feb 26	3.09
Feb 26	3.05
Feb 26	2.99
Feb 26	3.05
Jan 26	2.73
Jan 26	2.62
Jan 26	2.64
Jan 26	2.52
Jan 26	2.46
Dec 25	2.58
Dec 25	2.55
Dec 25	2.64
Dec 25	2.66
Nov 25	2.59
Nov 25	2.62
Nov 25	2.65
Nov 25	2.6
Oct 25	2.7
Oct 25	2.66
Oct 25	2.77
Oct 25	2.9
Oct 25	2.96
Sep 25	2.76
Sep 25	2.78
Sep 25	2.73
Sep 25	2.61
Aug 25	2.62
Aug 25	2.67
Aug 25	2.72
Aug 25	2.59
Aug 25	2.38
Jul 25	2.4
Jul 25	2.45
Jul 25	2.52
Jul 25	2.28

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Optima bank S.A.

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