4.35%
7.14%
7.14%
14.29%
26.05%
95.63%
103.53%
AI Spotlight on BTS
Company Description
Bank für Tirol und Vorarlberg AG, together with its subsidiaries, provides corporate and retail banking products and services in Austria and internationally.It operates through five segments: Corporate Customers, private Customers, Financial Markets, Leasing, and Cable Car.The company offers various deposit and loan products, as well as asset management services.
It also provides structured corporate financing, investment financing, development loan, hire purchase, investment loan, home loan, payment transaction, insurance, and other financial services.In addition, the company engages in operation of cable cars, as well as provision of other tourism operations.It serves small, medium, and large companies, as well as public accountants, private customers, and freelancers.
The company was founded in 1904 and is headquartered in Innsbruck, Austria.
Market Data
| Last Price | 60 |
| Change Percentage | 4.35% |
| Open | 60 |
| Previous Close | 57.5 |
| Market Cap ( Millions) | 2226 |
| Volume | 99 |
| Year High | 60 |
| Year Low | 47 |
| M A 50 | 55.89 |
| M A 200 | 54.06 |
Financial Ratios
| FCF Yield | 20.60% |
| Dividend Yield | 0.67% |
| ROE | 9.25% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 0.93 |
| Price Earnings Ratio | 10.34 |
| Price To FCF | 4.85 |
| Price To sales | 4.59 |
| EV / EBITDA | 0 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Move
Expected Growth : 5.2 %
What the company do ?
Move from Bank für Tirol und Vorarlberg AG: A transfer of funds from a customer's account at Bank für Tirol und Vorarlberg AG to another bank account.
Why we expect these perspectives ?
The growth of online fund transfers from Bank für Tirol und Vorarlberg AG is driven by increasing digitalization, convenience, and security. The Austrian banking industry's shift towards digital channels and the growing adoption of online banking services are key drivers of this trend.
Segment n°2 -> Mix
Expected Growth : 10.2 %
What the company do ?
Mix is a digital banking platform from Bank für Tirol und Vorarlberg AG, offering a user-friendly interface for managing finances and accessing banking services.
Why we expect these perspectives ?
The digital banking platform's growth is driven by increasing adoption of online banking, demand for user-friendly interfaces, and the need for convenient financial management. Additionally, the platform's ability to provide access to banking services remotely will continue to drive growth.
Segment n°3 -> Match
Expected Growth : 8.5 %
What the company do ?
Match from Bank für Tirol und Vorarlberg AG refers to a payment matching service that automatically reconciles and assigns incoming payments to open invoices.
Why we expect these perspectives ?
The payment matching service is expected to grow driven by increasing adoption of digital payment systems, rising demand for automation in accounting processes, and the need for efficient cash flow management.
Bank Für Tirol Und Vorarlberg Ag Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services for high net worth individuals, including investment advice, portfolio management, and wealth planning. |
| Corporate Banking | Financial solutions for businesses, including cash management, trade finance, and risk management. |
| Retail Banking | Everyday banking services for individuals, including current accounts, credit cards, and personal loans. |
| Mortgage Lending | Home financing solutions for individuals and businesses, including mortgage loans and construction financing. |
| Investment Products | Range of investment products, including mutual funds, exchange-traded funds, and structured products. |
| Payment Services | Secure and efficient payment solutions for businesses, including card acquiring and online payment processing. |
| Treasury Services | Cash management and treasury solutions for businesses, including foreign exchange and interest rate management. |
Bank für Tirol und Vorarlberg AG's Porter Forces
Threat Of Substitutes
The threat of substitutes for Bank für Tirol und Vorarlberg AG is medium, as there are alternative financial institutions and digital payment methods available to customers.
Bargaining Power Of Customers
The bargaining power of customers is low, as Bank für Tirol und Vorarlberg AG has a strong brand presence and a wide range of financial products and services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium, as Bank für Tirol und Vorarlberg AG relies on a network of suppliers for its operations, but has some flexibility in choosing its suppliers.
Threat Of New Entrants
The threat of new entrants is low, as entering the banking industry requires significant capital and regulatory approvals, making it a barrier to entry.
Intensity Of Rivalry
The intensity of rivalry is high, as Bank für Tirol und Vorarlberg AG operates in a competitive banking industry with many established players, and must differentiate itself through its products and services.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 34.39% |
| Debt Cost | 5.22% |
| Equity Weight | 65.61% |
| Equity Cost | 5.22% |
| WACC | 5.22% |
| Leverage | 52.40% |
Bank für Tirol und Vorarlberg AG : Quality Control
Bank für Tirol und Vorarlberg AG passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BKS.VI | BKS Bank AG, together with its subsidiaries, provides various banking products and services. The company operates through four segments: Corporate and Business Banking, Retail Banking, Financial Markets, and Other segments. … |
| PCZ.DE | ProCredit Holding AG & Co. KGaA, together with its subsidiaries, provides commercial banking services for small and medium enterprises and private customers in Europe, South America, and Germany. The company's … |
| TBCG.L | TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. The company operates through Retail; … |
| VATN.SW | Valiant Holding AG, together with its subsidiaries, provides financial services to private retail clients, affluent private clients, self-employed individuals, and small and medium-sized companies. The company offers savings; real estate … |
| SPOL.OL | SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, the public sector, clubs, and societies. The company offers deposits, financing, savings, advisory, life and non-life insurance, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 Ostlandet
A-Score
1-Year Total Return ->
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BKS Bank
A-Score
1-Year Total Return ->
🥉
Valiant Holding
A-Score
1-Year Total Return ->
4
BTV
A-Score
1-Year Total Return ->
5
TBC Bank
A-Score
1-Year Total Return ->
6
