OTP Bank Nyrt.

OTPBF

Banks - Regional · Financial Services

Price

$152.00

+0.00 (+0.00%)

Market Cap

$40.91B

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Jul 26, 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 is a large commercial bank based in Hungary. It offers everyday banking services like savings accounts, loans, mortgages, and credit cards to regular people and businesses. It is the biggest bank in Hungary and one of the largest banks in Central and Eastern Europe.

OTP makes money by charging interest on loans and collecting fees for banking services. It operates across more than a dozen countries, including Bulgaria, Serbia, Slovenia, Croatia, Ukraine, and several others in the region, giving it a broad geographic footprint that most local competitors cannot match. The bank has grown significantly through acquisitions in recent years, which has expanded its customer base but also introduced integration risk. The main risk OTP faces is its exposure to politically and economically volatile markets in Eastern Europe, including Ukraine, where ongoing conflict creates uncertainty for loan repayment and overall financial 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

-28.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-4.2% 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

19.4%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$46.0T cash & investments

Quarterly Free Cash Flow

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

Revenue declining

OTP Bank Nyrt.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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

104.1%

Premium pricing power — 104.1% gross margin

Operating Margin

29.7%

Excellent — 29.7% operating margin

ROCE

2.1%

Weak — 2.1% 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

+5.2%

Slow sales growth (5.2% YoY)

EPS YoY

+13.5%

Earnings growing (13.5% 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

202%

Turns 202% of profit into real cash

FCF Margin

51.7%

Converts sales into free cash efficiently (51.7%)

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

0.98x

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)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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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

+156.0%

Dividend growing fast (156.0% YoY)

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