OTP Bank Nyrt.

OTP.BD

Banks - Regional · Financial Services

Price

45380.00 HUF

-640.00 (-1.39%)

Market Cap

12.21T HUF

Exchange

Budapest Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Jul 25, 2026 · filings through Mar 31, 2026

Share count falling — buybacks

−1.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 262.1M (2021) → 257.3M (2025)

OTP Bank Nyrt. is Hungary's largest bank, offering everyday financial services like savings accounts, loans, mortgages, and credit cards to millions of individual customers and businesses. It also provides corporate banking, insurance, and investment products. Founded in 1949, OTP started as Hungary's national savings bank and has grown into the dominant retail bank in Central and Eastern Europe.

OTP makes money primarily through interest income on loans and fees from banking services. While headquartered in Budapest, it operates across more than a dozen countries, including Bulgaria, Serbia, Romania, Russia, and Ukraine, giving it broad regional reach. Its strong brand recognition and deep retail network in Hungary provide a solid competitive base, but its exposure to politically and economically volatile markets in Eastern Europe — particularly Ukraine and Russia — remains a significant ongoing risk to earnings stability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.8% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-3.9% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

10.8%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$46.1T cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

OTP Bank Nyrt. is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

68.4%

Premium pricing power — 68.4% gross margin

Operating Margin

18.4%

Healthy — 18.4% operating margin

ROCE

2.0%

Weak — 2.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+16.6%

Fast-growing sales (16.6% YoY)

EPS YoY

+13.8%

Earnings growing (13.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

282%

Turns 282% of profit into real cash

FCF Margin

65.5%

Converts sales into free cash efficiently (65.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.93

Moderate — manageable debt (0.93)

Interest Cover

0.97x

Dangerous — barely covers interest (1.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

10.3x

Attractive valuation — P/E 10.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

2.49%

Moderate income — 2.49% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

N/A

Data not available

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