OTP Bank Nyrt.

OTPBF

Banks - Regional · Financial Services

Price

$151.25

-1.98 (-1.29%)

Market Cap

$40.71B

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Mixed

Valuation

Strong

Dividends

Strong

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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)

Winston Score History

The full picture

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.

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

+4.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-7.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

0 HUF/ 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 Runway

5+ years

Quarterly Free Cash Flow

44.2T HUF cash & investments at current burn rate

Growth context

OTP Bank Nyrt. is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+2.3%

Nearly flat sales (+2.3% YoY)

Profit growth

EPS YoY

+4.1%

Modest earnings growth (+4.1% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

10.5x

Attractive valuation — P/E 10.5

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

Cheaper or dearer next year

P/E vs Forward

+1.1

GROWING

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

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Dividends

Dividend

Dividend Yield

2.49%

Moderate income — 2.49% yield

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

Dividend record

Dividend Growth

+156.0%

Dividend growing fast (156.0% YoY)

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