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KBC Groep NV
Buy, Hold or Sell?

Let's analyze Kbc together

I guess you are interested in KBC Groep NV. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of KBC Groep NV. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Kbc (30 sec.)










What can you expect buying and holding a share of Kbc? (30 sec.)

How much money do you get?

How much money do you get?
‚ā¨4.30
When do you have the money?
1 year
How often do you get paid?
67.5%

What is your share worth?

Current worth
‚ā¨54.60
Expected worth in 1 year
‚ā¨-662.39
How sure are you?
75.0%

+ What do you gain per year?

Total Gains per Share
‚ā¨-713.04
Return On Investment
-1,054.5%

For what price can you sell your share?

Current Price per Share
‚ā¨67.62
Expected price per share
‚ā¨63.89 - ‚ā¨70.41
How sure are you?
50%
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1. Valuation of Kbc (5 min.)




Live pricePrice per Share (EOD)

‚ā¨67.62

Intrinsic Value Per Share

‚ā¨-278.89 - ‚ā¨400.57

Total Value Per Share

‚ā¨-224.29 - ‚ā¨455.16

2. Growth of Kbc (5 min.)




Is Kbc growing?

Current yearPrevious yearGrowGrow %
How rich?$24.1b$105.4b$172.1b62.0%

How much money is Kbc making?

Current yearPrevious yearGrowGrow %
Making money$823.5m$869.7m-$46.2m-5.6%
Net Profit Margin25.1%35.7%--

How much money comes from the company's main activities?

3. Financial Health of Kbc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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What can you expect buying and holding a share of Kbc? (5 min.)

Welcome investor! Kbc's management wants to use your money to grow the business. In return you get a share of Kbc.

What can you expect buying and holding a share of Kbc?

First you should know what it really means to hold a share of Kbc. And how you can make/lose money.

Speculation

The Price per Share of Kbc is ‚ā¨67.62. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Kbc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Kbc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ‚ā¨54.60. Based on the TTM, the Book Value Change Per Share is ‚ā¨-179.25 per quarter. Based on the YOY, the Book Value Change Per Share is ‚ā¨179.04 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ‚ā¨0.99 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Kbc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share
Usd Eps1.362.0%1.962.9%2.103.1%1.642.4%1.572.3%
Usd Book Value Change Per Share-765.83-1,132.6%-195.13-288.6%194.90288.2%0.430.6%0.460.7%
Usd Dividend Per Share0.000.0%1.081.6%2.333.4%1.011.5%0.931.4%
Usd Total Gains Per Share-765.83-1,132.6%-194.05-287.0%197.23291.7%1.442.1%1.392.1%
Usd Price Per Share75.57-68.36-61.39-65.28-63.97-
Price to Earnings Ratio13.93-9.31-7.30-2.95-6.96-
Price-to-Total Gains Ratio-0.10--0.75-5.50-22.77-18.95-
Price to Book Ratio1.27-0.38-0.86-0.96-1.18-
Price-to-Total Gains Ratio-0.10--0.75-5.50-22.77-18.95-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share73.611132
Number of shares13
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share1.081.01
Usd Book Value Change Per Share-195.130.43
Usd Total Gains Per Share-194.051.44
Gains per Quarter (13 shares)-2,522.6918.72
Gains per Year (13 shares)-10,090.7674.87
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
156-10147-10101522265
2112-20293-2019210545140
3168-30440-3028315767215
4224-40587-4037421090290
5280-50733-50465262112365
6336-60880-60556315134440
7391-71027-70647367157515
8447-81173-80738420179590
9503-91320-90829472201665
10559-101467-100920525224740

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%39.01.00.097.5%74.05.00.093.7%
Book Value Change Per Share1.03.00.025.0%6.06.00.050.0%11.09.00.055.0%24.016.00.060.0%47.032.00.059.5%
Dividend per Share3.00.01.075.0%11.00.01.091.7%17.00.03.085.0%27.00.013.067.5%27.00.052.034.2%
Total Gains per Share1.03.00.025.0%8.04.00.066.7%14.06.00.070.0%30.010.00.075.0%53.026.00.067.1%
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Fundamentals of Kbc

About KBC Groep NV

KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company provides demand deposits and savings accounts; home and mortgage loans; consumer finance and SME funding services; credit, investment fund and asset management, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, and stockbroking services. It offers digital and mobile banking services. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.

Fundamental data was last updated by Penke on 2024-07-07 23:43:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of KBC Groep NV.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit¬†Kbc earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • A Net Profit Margin of 7.4%¬†means that¬†€0.07 for each €1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of KBC Groep NV:

  • The MRQ is 7.4%. The company is making a profit. +1
  • The TTM is 25.1%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ7.4%TTM25.1%-17.6%
TTM25.1%YOY35.7%-10.7%
TTM25.1%5Y29.5%-4.4%
5Y29.5%10Y31.4%-1.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.4%38.5%-31.1%
TTM25.1%29.6%-4.5%
YOY35.7%26.3%+9.4%
5Y29.5%23.6%+5.9%
10Y31.4%20.4%+11.0%
1.1.2. Return on Assets

Shows how efficient Kbc is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • 0.1% Return on Assets means that¬†Kbc generated¬†€0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of KBC Groep NV:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.2%-0.1%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%+0.0%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.3%-0.2%
TTM0.2%0.2%+0.0%
YOY0.2%0.2%+0.0%
5Y0.2%0.2%0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Kbc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • 2.3% Return on Equity means Kbc generated €0.02¬†for each¬†€1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of KBC Groep NV:

  • The MRQ is 2.3%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.2%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.3%TTM3.2%-1.0%
TTM3.2%YOY3.8%-0.6%
TTM3.2%5Y2.9%+0.3%
5Y2.9%10Y3.2%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.3%3.1%-0.8%
TTM3.2%2.5%+0.7%
YOY3.8%2.7%+1.1%
5Y2.9%2.5%+0.4%
10Y3.2%2.8%+0.4%
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1.2. Operating Efficiency of KBC Groep NV.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Kbc is operating .

  • Measures how much profit Kbc makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • An Operating Margin of -0.4%¬†means the company generated €0.00 ¬†for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of KBC Groep NV:

  • The MRQ is -0.4%. The company is operating very inefficient. -2
  • The TTM is 28.6%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ-0.4%TTM28.6%-29.0%
TTM28.6%YOY131.9%-103.2%
TTM28.6%5Y72.7%-44.1%
5Y72.7%10Y75.3%-2.6%
1.2.2. Operating Ratio

Measures how efficient Kbc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Banks - Regional industry mean).
  • An Operation Ratio of 0.15 means that the operating costs are €0.15 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of KBC Groep NV:

  • The MRQ is 0.146. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.481. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.146TTM0.481-0.334
TTM0.481YOY0.577-0.096
TTM0.4815Y0.565-0.084
5Y0.56510Y0.568-0.003
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1.3. Liquidity of KBC Groep NV.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Kbc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Banks - Regional industry mean).
  • A Current Ratio of 0.24¬†means the company has €0.24 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of KBC Groep NV:

  • The MRQ is 0.245. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.229. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.245TTM0.229+0.016
TTM0.229YOY0.222+0.007
TTM0.2295Y0.169+0.059
5Y0.16910Y0.120+0.049
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.2290.124+0.105
YOY0.2220.167+0.055
5Y0.1690.207-0.038
10Y0.1200.131-0.011
1.3.2. Quick Ratio

Measures if Kbc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • A Quick Ratio of -0.59¬†means the company can pay off €-0.59 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of KBC Groep NV:

  • The MRQ is -0.589. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 0.020. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ-0.589TTM0.020-0.610
TTM0.020YOY0.222-0.201
TTM0.0205Y0.147-0.127
5Y0.14710Y0.124+0.023
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1.4. Solvency of KBC Groep NV.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Kbc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Kbc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94¬†means that Kbc assets are¬†financed with 93.8% credit (debt) and the remaining percentage (100% - 93.8%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of KBC Groep NV:

  • The MRQ is 0.938. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.287. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.938TTM0.287+0.651
TTM0.287YOY0.723-0.435
TTM0.2875Y0.763-0.475
5Y0.76310Y0.849-0.087
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9380.915+0.023
TTM0.2870.916-0.629
YOY0.7230.918-0.195
5Y0.7630.919-0.156
10Y0.8490.926-0.077
1.4.2. Debt to Equity Ratio

Measures if Kbc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,521.7% means that company has €15.22 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of KBC Groep NV:

  • The MRQ is 15.217. The company is unable to pay all its debts with equity. -1
  • The TTM is 4.602. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.217TTM4.602+10.614
TTM4.602YOY12.854-8.251
TTM4.6025Y12.047-7.445
5Y12.04710Y13.371-1.323
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.21710.799+4.418
TTM4.60210.909-6.307
YOY12.85411.266+1.588
5Y12.04711.324+0.723
10Y13.37112.886+0.485
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2. Market Valuation of KBC Groep NV

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures¬†how much money you pay¬†for each share for¬†every €1 in earnings Kbc generates.

  • Above 15 is considered overpriced but¬†always compare¬†Kbc to the¬†Banks - Regional industry mean.
  • A PE ratio of 13.93 means the investor is paying €13.93¬†for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of KBC Groep NV:

  • The EOD is 13.564. Based on the earnings, the company is underpriced. +1
  • The MRQ is 13.925. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.308. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD13.564MRQ13.925-0.361
MRQ13.925TTM9.308+4.617
TTM9.308YOY7.304+2.005
TTM9.3085Y2.951+6.357
5Y2.95110Y6.961-4.010
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD13.5643.369+10.195
MRQ13.9253.418+10.507
TTM9.3084.741+4.567
YOY7.3046.901+0.403
5Y2.9519.496-6.545
10Y6.9619.770-2.809
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of KBC Groep NV:

  • The EOD is 0.614. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 0.631. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is -0.125. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD0.614MRQ0.631-0.016
MRQ0.631TTM-0.125+0.755
TTM-0.125YOY-1.731+1.606
TTM-0.1255Y3.825-3.950
5Y3.82510Y2.684+1.141
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.614-2.327+2.941
MRQ0.631-2.360+2.991
TTM-0.125-1.072+0.947
YOY-1.7316.461-8.192
5Y3.8250.248+3.577
10Y2.6840.032+2.652
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Kbc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Banks - Regional industry mean).
  • A PB ratio of 1.27 means the investor is paying €1.27¬†for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of KBC Groep NV:

  • The EOD is 1.238. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.271. Based on the equity, the company is underpriced. +1
  • The TTM is 0.376. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.238MRQ1.271-0.033
MRQ1.271TTM0.376+0.896
TTM0.376YOY0.863-0.488
TTM0.3765Y0.961-0.586
5Y0.96110Y1.178-0.217
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.2380.414+0.824
MRQ1.2710.420+0.851
TTM0.3760.439-0.063
YOY0.8630.594+0.269
5Y0.9610.763+0.198
10Y1.1780.991+0.187
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of KBC Groep NV compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---703.501-179.247-75%179.042-493%0.395-178062%0.423-166326%
Book Value Per Share--54.599603.227-91%228.965-76%196.728-72%118.906-54%
Current Ratio--0.2450.229+7%0.222+10%0.169+45%0.120+104%
Debt To Asset Ratio--0.9380.287+226%0.723+30%0.763+23%0.849+10%
Debt To Equity Ratio--15.2174.602+231%12.854+18%12.047+26%13.371+14%
Dividend Per Share---0.988-100%2.137-100%0.927-100%0.855-100%
Eps--1.2461.800-31%1.926-35%1.504-17%1.446-14%
Free Cash Flow Per Share--27.5206.528+322%-16.707+161%4.615+496%4.551+505%
Free Cash Flow To Equity Per Share--28.7968.754+229%-17.045+159%4.809+499%3.944+630%
Gross Profit Margin--0.9620.962+0%0.9650%0.985-2%0.993-3%
Intrinsic Value_10Y_max--400.566--------
Intrinsic Value_10Y_min---278.893--------
Intrinsic Value_1Y_max--21.410--------
Intrinsic Value_1Y_min---7.420--------
Intrinsic Value_3Y_max--78.603--------
Intrinsic Value_3Y_min---40.205--------
Intrinsic Value_5Y_max--153.005--------
Intrinsic Value_5Y_min---92.369--------
Market Cap26939401198.080-5%28184520000.00026275469535.960+7%23874350409.385+18%25344519877.225+11%24948440396.231+13%
Net Profit Margin--0.0740.251-70%0.357-79%0.295-75%0.314-76%
Operating Margin---0.0040.286-101%1.319-100%0.727-101%0.753-100%
Operating Ratio--0.1460.481-70%0.577-75%0.565-74%0.568-74%
Pb Ratio1.238-3%1.2710.376+238%0.863+47%0.961+32%1.178+8%
Pe Ratio13.564-3%13.9259.308+50%7.304+91%2.951+372%6.961+100%
Price Per Share67.620-3%69.42062.800+11%56.395+23%59.972+16%58.765+18%
Price To Free Cash Flow Ratio0.614-3%0.631-0.125+120%-1.731+375%3.825-84%2.684-77%
Price To Total Gains Ratio-0.096+3%-0.099-0.748+658%5.504-102%22.774-100%18.952-101%
Quick Ratio---0.5890.020-3032%0.222-366%0.147-501%0.124-576%
Return On Assets--0.0010.002-33%0.002-37%0.002-25%0.002-31%
Return On Equity--0.0230.032-30%0.038-40%0.029-22%0.032-28%
Total Gains Per Share---703.501-178.259-75%181.179-488%1.323-53291%1.278-55126%
Usd Book Value--24130996200.000277606335350.000-91%105478264100.000-77%90591767960.000-73%54845845200.000-56%
Usd Book Value Change Per Share---765.831-195.128-75%194.905-493%0.430-178062%0.461-166326%
Usd Book Value Per Share--59.436656.673-91%249.251-76%214.158-72%129.441-54%
Usd Dividend Per Share---1.075-100%2.326-100%1.009-100%0.931-100%
Usd Eps--1.3571.960-31%2.097-35%1.637-17%1.575-14%
Usd Free Cash Flow--12162927800.0002878802700.000+322%-7707832300.000+163%2098875230.000+479%2087962015.000+483%
Usd Free Cash Flow Per Share--29.9587.107+322%-18.187+161%5.024+496%4.955+505%
Usd Free Cash Flow To Equity Per Share--31.3479.530+229%-18.555+159%5.235+499%4.294+630%
Usd Market Cap29326232144.230-5%30681668472.00028603476136.846+7%25989617855.657+18%27590044338.347+11%27158872215.337+13%
Usd Price Per Share73.611-3%75.57168.364+11%61.392+23%65.285+16%63.971+18%
Usd Profit--550831600.000823525900.000-33%869791400.000-37%696322990.000-21%674932000.000-18%
Usd Revenue--7422074800.0004066193150.000+83%2447717100.000+203%2527892490.000+194%2248666590.000+230%
Usd Total Gains Per Share---765.831-194.053-75%197.231-488%1.440-53291%1.392-55126%
 EOD+5 -3MRQTTM+13 -23YOY+11 -255Y+12 -2410Y+12 -24

3.2. Fundamental Score

Let's check the fundamental score of KBC Groep NV based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1513.564
Price to Book Ratio (EOD)Between0-11.238
Net Profit Margin (MRQ)Greater than00.074
Operating Margin (MRQ)Greater than0-0.004
Quick Ratio (MRQ)Greater than1-0.589
Current Ratio (MRQ)Greater than10.245
Debt to Asset Ratio (MRQ)Less than10.938
Debt to Equity Ratio (MRQ)Less than115.217
Return on Equity (MRQ)Greater than0.150.023
Return on Assets (MRQ)Greater than0.050.001
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of KBC Groep NV based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5053.728
Ma 20Greater thanMa 5067.139
Ma 50Greater thanMa 10066.946
Ma 100Greater thanMa 20066.091
OpenGreater thanClose67.200
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2023-03-312023-06-302023-09-302023-12-312024-03-31
Net Debt  -17,859,000-12,228,000-30,087,00013,397,000-16,690,0008,303,000-8,387,00019,736,00011,349,000
Inventory  -48,238,000-15,276,000-63,514,00010,933,000-52,581,0009,544,000-43,037,00085,683,00042,646,000
Long-term Assets Other  -932,00074,000-858,00078,000-780,00056,000-724,000300,288,000299,564,000
Cash and Short Term Investments  38,729,00015,101,00053,830,000-11,457,00042,373,000-7,843,00034,530,000-79,766,000-45,236,000
EBIT  4,044,000-2,842,0001,202,000-122,0001,080,000-244,000836,000-861,000-25,000
Operating Income  4,044,000-2,842,0001,202,000-122,0001,080,000-244,000836,000-861,000-25,000



Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets359,477,000
Total Liabilities337,310,000
Total Stockholder Equity22,167,000
 As reported
Total Liabilities 337,310,000
Total Stockholder Equity+ 22,167,000
Total Assets = 359,477,000

Assets

Total Assets359,477,000
Total Current Assets55,260,000
Long-term Assets304,217,000
Total Current Assets
Cash And Cash Equivalents 45,236,000
Short-term Investments -90,472,000
Net Receivables 2,590,000
Inventory 42,646,000
Other Current Assets 55,260,000
Total Current Assets  (as reported)55,260,000
Total Current Assets  (calculated)55,260,000
+/-0
Long-term Assets
Property Plant Equipment 3,751,000
Long Term Investments 77,651,000
Intangible Assets 2,360,000
Long-term Assets Other 299,564,000
Long-term Assets  (as reported)304,217,000
Long-term Assets  (calculated)383,326,000
+/- 79,109,000

Liabilities & Shareholders' Equity

Total Current Liabilities225,816,000
Long-term Liabilities111,494,000
Total Stockholder Equity22,167,000
Total Current Liabilities
Short-term Debt 13,010,000
Other Current Liabilities 212,806,000
Total Current Liabilities  (as reported)225,816,000
Total Current Liabilities  (calculated)225,816,000
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)111,494,000
Long-term Liabilities  (calculated)0
+/- 111,494,000
Total Stockholder Equity
Common Stock1,461,000
Retained Earnings 14,814,000
Accumulated Other Comprehensive Income 1,158,000
Other Stockholders Equity 4,734,000
Total Stockholder Equity (as reported)22,167,000
Total Stockholder Equity (calculated)22,167,000
+/-0
Other
Capital Stock1,461,000
Cash and Short Term Investments -45,236,000
Common Stock Shares Outstanding 406,000
Liabilities and Stockholders Equity 359,477,000
Net Debt 11,349,000
Net Invested Capital 51,942,000
Short Long Term Debt Total 56,585,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-06-302002-12-312002-06-302001-12-312001-06-302000-06-30
> Total Assets 
175,563,300
209,067,000
228,076,604
225,296,000
221,731,000
214,723,000
225,587,000
241,572,000
241,236,000
240,829,000
249,234,000
296,208,000
305,557,000
315,769,000
325,801,000
319,989,000
320,376,000
322,647,000
325,400,000
338,392,000
344,169,000
350,327,000
355,597,000
358,170,000
377,351,000
383,576,000
355,317,000
347,400,000
344,415,000
334,219,000
324,231,000
340,128,000
350,232,000
328,590,000
320,823,000
322,493,000
312,899,000
305,109,000
285,382,000
290,635,000
285,848,000
270,010,000
256,886,000
258,567,000
253,297,000
250,260,000
241,306,000
246,179,000
252,768,000
251,612,000
245,174,000
258,396,000
256,654,000
257,632,000
252,356,000
261,551,000
265,681,000
266,016,000
275,200,000
287,293,000
296,479,000
296,885,000
292,342,000
304,022,000
301,934,000
304,740,000
283,808,000
292,332,000
289,548,000
294,830,000
290,735,000
301,451,000
317,388,000
321,193,000
320,743,000
351,818,000
368,596,000
354,336,000
340,346,000
369,903,000
369,807,000
363,528,000
355,872,000
347,355,000
368,077,000
358,453,000
346,921,000
359,477,000
359,477,000346,921,000358,453,000368,077,000347,355,000355,872,000363,528,000369,807,000369,903,000340,346,000354,336,000368,596,000351,818,000320,743,000321,193,000317,388,000301,451,000290,735,000294,830,000289,548,000292,332,000283,808,000304,740,000301,934,000304,022,000292,342,000296,885,000296,479,000287,293,000275,200,000266,016,000265,681,000261,551,000252,356,000257,632,000256,654,000258,396,000245,174,000251,612,000252,768,000246,179,000241,306,000250,260,000253,297,000258,567,000256,886,000270,010,000285,848,000290,635,000285,382,000305,109,000312,899,000322,493,000320,823,000328,590,000350,232,000340,128,000324,231,000334,219,000344,415,000347,400,000355,317,000383,576,000377,351,000358,170,000355,597,000350,327,000344,169,000338,392,000325,400,000322,647,000320,376,000319,989,000325,801,000315,769,000305,557,000296,208,000249,234,000240,829,000241,236,000241,572,000225,587,000214,723,000221,731,000225,296,000228,076,604209,067,000175,563,300
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,487,000
176,372,000
179,968,000
167,716,000
17,987,000
163,910,000
7,973,000
10,906,000
8,150,000
10,235,000
6,142,000
3,841,000
4,867,000
5,235,000
4,742,000
6,509,000
4,763,000
6,930,000
9,073,000
11,275,000
9,356,000
9,132,000
7,968,000
8,924,000
11,009,000
9,574,000
8,891,000
16,765,000
23,898,000
24,699,000
36,356,000
41,399,000
33,933,000
36,442,000
35,621,000
36,878,000
22,941,000
21,300,000
10,037,000
9,664,000
10,299,000
9,181,000
25,267,000
29,792,000
26,321,000
56,708,000
69,928,000
58,299,000
42,805,000
67,880,000
55,966,000
52,426,000
54,245,000
41,254,000
56,411,000
44,847,000
37,210,000
55,260,000
55,260,00037,210,00044,847,00056,411,00041,254,00054,245,00052,426,00055,966,00067,880,00042,805,00058,299,00069,928,00056,708,00026,321,00029,792,00025,267,0009,181,00010,299,0009,664,00010,037,00021,300,00022,941,00036,878,00035,621,00036,442,00033,933,00041,399,00036,356,00024,699,00023,898,00016,765,0008,891,0009,574,00011,009,0008,924,0007,968,0009,132,0009,356,00011,275,0009,073,0006,930,0004,763,0006,509,0004,742,0005,235,0004,867,0003,841,0006,142,00010,235,0008,150,00010,906,0007,973,000163,910,00017,987,000167,716,000179,968,000176,372,0009,487,000000000000000000000000000000000
       Cash And Cash Equivalents 
0
1,034,000
5,765,335
0
3,530,000
0
6,012,000
0
0
0
4,859,000
1,587,000
1,692,000
1,742,000
6,252,000
1,627,000
2,064,000
1,789,000
6,953,000
3,208,000
3,667,000
4,478,000
35,301,000
4,165,000
3,966,000
8,043,000
25,345,000
8,338,000
8,551,000
7,625,000
7,276,000
9,048,000
16,214,000
6,749,000
15,305,000
13,266,000
7,973,000
10,906,000
6,228,000
10,235,000
6,142,000
3,841,000
4,438,000
5,235,000
4,742,000
6,509,000
4,391,000
6,930,000
6,047,000
8,245,000
5,784,000
5,798,000
4,453,000
5,344,000
7,254,000
6,000,000
5,184,000
13,329,000
20,306,000
21,070,000
32,546,000
37,738,000
29,901,000
32,642,000
31,346,000
32,893,000
18,700,000
16,967,000
8,046,000
7,758,000
8,368,000
7,489,000
23,578,000
28,227,000
24,594,000
55,074,000
68,034,000
56,319,000
40,663,000
65,650,000
53,360,000
49,759,000
51,435,000
38,729,000
53,830,000
42,373,000
34,530,000
45,236,000
45,236,00034,530,00042,373,00053,830,00038,729,00051,435,00049,759,00053,360,00065,650,00040,663,00056,319,00068,034,00055,074,00024,594,00028,227,00023,578,0007,489,0008,368,0007,758,0008,046,00016,967,00018,700,00032,893,00031,346,00032,642,00029,901,00037,738,00032,546,00021,070,00020,306,00013,329,0005,184,0006,000,0007,254,0005,344,0004,453,0005,798,0005,784,0008,245,0006,047,0006,930,0004,391,0006,509,0004,742,0005,235,0004,438,0003,841,0006,142,00010,235,0006,228,00010,906,0007,973,00013,266,00015,305,0006,749,00016,214,0009,048,0007,276,0007,625,0008,551,0008,338,00025,345,0008,043,0003,966,0004,165,00035,301,0004,478,0003,667,0003,208,0006,953,0001,789,0002,064,0001,627,0006,252,0001,742,0001,692,0001,587,0004,859,0000006,012,00003,530,00005,765,3351,034,0000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,649,000
2,816,000
2,633,000
2,212,000
1,727,000
0
711,000
31,711,000
8,000
16,467,000
16,811,000
18,268,000
15,059,000
8,955,000
8,955,000
16,663,000
12,593,000
15,992,000
17,742,000
10,737,000
11,770,000
16,791,000
14,651,000
14,626,000
0
10,105,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28,524,000
25,356,000
28,108,000
21,133,000
28,209,000
28,233,000
30,072,000
25,596,000
0
0
0
0
0
0
0
0
0
0
0
-8,000
0
0
0
0
-90,472,000
-90,472,0000000-8,0000000000000025,596,00030,072,00028,233,00028,209,00021,133,00028,108,00025,356,00028,524,0000000000000000000000000010,105,000014,626,00014,651,00016,791,00011,770,00010,737,00017,742,00015,992,00012,593,00016,663,0008,955,0008,955,00015,059,00018,268,00016,811,00016,467,0008,00031,711,000711,00001,727,0002,212,0002,633,0002,816,0002,649,00000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,211,000
167,324,000
163,754,000
160,967,000
2,682,000
150,644,000
0
0
1,922,000
0
0
0
429,000
0
0
0
372,000
0
3,026,000
3,030,000
3,572,000
3,334,000
3,515,000
3,580,000
3,755,000
3,574,000
3,707,000
3,436,000
3,592,000
3,629,000
3,810,000
3,661,000
4,032,000
3,800,000
4,275,000
3,985,000
4,241,000
4,333,000
1,991,000
1,906,000
1,931,000
1,692,000
1,689,000
1,565,000
1,727,000
1,634,000
1,894,000
1,980,000
2,142,000
2,230,000
2,606,000
2,667,000
2,818,000
2,525,000
2,581,000
2,474,000
2,680,000
2,590,000
2,590,0002,680,0002,474,0002,581,0002,525,0002,818,0002,667,0002,606,0002,230,0002,142,0001,980,0001,894,0001,634,0001,727,0001,565,0001,689,0001,692,0001,931,0001,906,0001,991,0004,333,0004,241,0003,985,0004,275,0003,800,0004,032,0003,661,0003,810,0003,629,0003,592,0003,436,0003,707,0003,574,0003,755,0003,580,0003,515,0003,334,0003,572,0003,030,0003,026,0000372,000000429,0000001,922,00000150,644,0002,682,000160,967,000163,754,000167,324,0002,211,000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,000
24,000
24,000
31,000
21,000
13,000
13,000
960,000
14,000
13,000
10,000
0
29,000
45,000
17,000
19,000
19,000
19,000
19,000
10,045,000
10,001,000
9,282,000
66,316,000
68,030,000
68,672,000
48,238,000
63,514,000
52,581,000
43,037,000
55,260,000
55,260,00043,037,00052,581,00063,514,00048,238,00068,672,00068,030,00066,316,0009,282,00010,001,00010,045,00019,00019,00019,00019,00017,00045,00029,000010,00013,00014,000960,00013,00013,00021,00031,00024,00024,0008,0000000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
126,780,000
156,845,000
148,344,000
139,443,000
111,295,000
129,295,000
124,486,000
118,403,000
86,718,000
103,398,000
102,733,000
104,943,000
84,598,000
80,857,000
79,545,000
77,524,000
77,661,000
78,510,000
81,384,000
82,562,000
84,188,000
87,261,000
83,143,000
83,493,000
84,894,000
85,853,000
86,883,000
85,213,000
85,782,000
83,422,000
81,709,000
79,592,000
77,843,000
77,301,000
76,842,000
74,245,000
74,170,000
93,955,000
75,995,000
78,715,000
77,394,000
82,991,000
86,438,000
86,066,000
85,035,000
84,571,000
82,519,000
78,019,000
78,810,000
77,378,000
77,240,000
77,903,000
77,553,000
79,360,000
81,495,000
81,648,000
83,489,000
304,217,000
304,217,00083,489,00081,648,00081,495,00079,360,00077,553,00077,903,00077,240,00077,378,00078,810,00078,019,00082,519,00084,571,00085,035,00086,066,00086,438,00082,991,00077,394,00078,715,00075,995,00093,955,00074,170,00074,245,00076,842,00077,301,00077,843,00079,592,00081,709,00083,422,00085,782,00085,213,00086,883,00085,853,00084,894,00083,493,00083,143,00087,261,00084,188,00082,562,00081,384,00078,510,00077,661,00077,524,00079,545,00080,857,00084,598,000104,943,000102,733,000103,398,00086,718,000118,403,000124,486,000129,295,000111,295,000139,443,000148,344,000156,845,000126,780,000000000000000000000000000000000
       Property Plant Equipment 
1,602,900
1,979,000
2,091,340
2,408,000
2,147,000
2,667,000
2,150,000
2,730,000
2,786,000
2,736,000
2,194,000
2,247,000
2,295,000
2,353,000
2,120,000
2,035,000
1,858,000
1,901,000
1,906,000
1,886,000
2,017,000
2,155,000
2,234,000
2,795,000
2,935,000
3,160,000
2,964,000
2,908,000
2,956,000
2,937,000
2,890,000
2,888,000
2,651,000
2,671,000
2,693,000
2,660,000
2,647,000
2,618,000
2,651,000
2,638,000
2,526,000
2,590,000
2,580,000
2,539,000
2,534,000
2,494,000
2,467,000
2,424,000
2,260,000
2,254,000
2,278,000
2,252,000
2,248,000
2,280,000
2,297,000
2,315,000
2,343,000
2,392,000
2,449,000
2,512,000
2,541,000
2,548,000
2,722,000
3,245,000
3,314,000
3,314,000
2,737,000
3,615,000
3,742,000
3,752,000
3,248,000
3,710,000
3,653,000
3,602,000
3,136,000
3,669,000
3,646,000
3,580,000
3,049,000
3,577,000
3,505,000
3,483,000
2,989,000
3,516,000
3,576,000
3,604,000
3,702,000
3,751,000
3,751,0003,702,0003,604,0003,576,0003,516,0002,989,0003,483,0003,505,0003,577,0003,049,0003,580,0003,646,0003,669,0003,136,0003,602,0003,653,0003,710,0003,248,0003,752,0003,742,0003,615,0002,737,0003,314,0003,314,0003,245,0002,722,0002,548,0002,541,0002,512,0002,449,0002,392,0002,343,0002,315,0002,297,0002,280,0002,248,0002,252,0002,278,0002,254,0002,260,0002,424,0002,467,0002,494,0002,534,0002,539,0002,580,0002,590,0002,526,0002,638,0002,651,0002,618,0002,647,0002,660,0002,693,0002,671,0002,651,0002,888,0002,890,0002,937,0002,956,0002,908,0002,964,0003,160,0002,935,0002,795,0002,234,0002,155,0002,017,0001,886,0001,906,0001,901,0001,858,0002,035,0002,120,0002,353,0002,295,0002,247,0002,194,0002,736,0002,786,0002,730,0002,150,0002,667,0002,147,0002,408,0002,091,3401,979,0001,602,900
       Goodwill 
0
0
0
0
386,000
0
538,000
0
0
0
555,000
0
0
0
1,260,000
0
0
0
1,692,000
0
0
0
3,094,000
0
0
0
3,479,000
0
0
0
2,918,000
0
0
0
1,861,000
0
0
0
1,502,000
0
0
0
987,000
0
0
0
950,000
0
0
0
933,000
0
0
0
594,000
0
0
0
597,000
0
0
0
719,000
0
0
0
719,000
0
0
0
877,000
0
0
0
845,000
0
0
0
913,000
0
0
0
1,346,000
0
0
0
1,240,000
0
01,240,0000001,346,000000913,000000845,000000877,000000719,000000719,000000597,000000594,000000933,000000950,000000987,0000001,502,0000001,861,0000002,918,0000003,479,0000003,094,0000001,692,0000001,260,000000555,000000538,0000386,0000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
71,030,000
70,754,000
69,042,000
67,666,000
65,400,000
65,153,000
64,537,000
62,394,000
63,432,000
89,005,000
70,694,000
73,396,000
72,506,000
77,687,000
81,119,000
80,783,000
80,348,000
79,313,000
77,217,000
72,708,000
74,012,000
72,050,000
71,962,000
72,177,000
71,662,000
73,438,000
75,449,000
75,605,000
77,432,000
77,651,000
77,651,00077,432,00075,605,00075,449,00073,438,00071,662,00072,177,00071,962,00072,050,00074,012,00072,708,00077,217,00079,313,00080,348,00080,783,00081,119,00077,687,00072,506,00073,396,00070,694,00089,005,00063,432,00062,394,00064,537,00065,153,00065,400,00067,666,00069,042,00070,754,00071,030,0000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
233,700
255,000
289,666
103,000
643,000
95,000
748,000
239,000
228,000
222,000
763,000
1,379,000
1,386,000
1,428,000
1,283,000
1,794,000
1,839,000
1,852,000
1,988,000
2,071,000
2,270,000
3,030,000
3,501,000
3,539,000
3,813,000
4,084,000
3,866,000
3,730,000
3,715,000
3,670,000
398,000
3,346,000
2,316,000
2,294,000
395,000
2,269,000
2,251,000
2,107,000
396,000
1,822,000
1,358,000
1,364,000
341,000
1,289,000
1,282,000
1,284,000
339,000
1,271,000
1,274,000
1,266,000
325,000
1,277,000
1,272,000
1,292,000
365,000
965,000
970,000
988,000
402,000
1,008,000
1,152,000
1,164,000
486,000
1,219,000
1,228,000
1,264,000
611,000
1,335,000
1,559,000
1,567,000
763,000
1,594,000
1,666,000
1,681,000
706,000
0
0
0
836,000
0
1,773,000
2,243,000
985,000
2,406,000
2,470,000
2,439,000
1,115,000
2,360,000
2,360,0001,115,0002,439,0002,470,0002,406,000985,0002,243,0001,773,0000836,000000706,0001,681,0001,666,0001,594,000763,0001,567,0001,559,0001,335,000611,0001,264,0001,228,0001,219,000486,0001,164,0001,152,0001,008,000402,000988,000970,000965,000365,0001,292,0001,272,0001,277,000325,0001,266,0001,274,0001,271,000339,0001,284,0001,282,0001,289,000341,0001,364,0001,358,0001,822,000396,0002,107,0002,251,0002,269,000395,0002,294,0002,316,0003,346,000398,0003,670,0003,715,0003,730,0003,866,0004,084,0003,813,0003,539,0003,501,0003,030,0002,270,0002,071,0001,988,0001,852,0001,839,0001,794,0001,283,0001,428,0001,386,0001,379,000763,000222,000228,000239,000748,00095,000643,000103,000289,666255,000233,700
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
117,931,000
113,477,000
120,408,000
120,809,000
121,119,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000121,119,000120,809,000120,408,000113,477,000117,931,000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-126,780,000
-156,845,000
-148,344,000
-139,443,000
-111,295,000
-129,295,000
-124,486,000
-118,403,000
-86,718,000
-103,398,000
-102,733,000
-104,943,000
-84,598,000
-80,857,000
-79,545,000
-77,524,000
-77,661,000
-78,510,000
-81,384,000
-82,562,000
-84,188,000
-87,261,000
-83,143,000
-83,493,000
-84,894,000
-85,853,000
-86,883,000
-85,213,000
-85,782,000
-83,422,000
-81,709,000
-79,592,000
-77,843,000
-77,301,000
-76,842,000
-74,245,000
-74,170,000
-93,955,000
-75,995,000
-78,715,000
-77,394,000
-82,991,000
-86,438,000
-86,066,000
-85,035,000
-84,571,000
-82,519,000
-78,019,000
-78,810,000
-77,378,000
-1,040,000
-1,139,000
-567,000
-932,000
-858,000
-780,000
-724,000
299,564,000
299,564,000-724,000-780,000-858,000-932,000-567,000-1,139,000-1,040,000-77,378,000-78,810,000-78,019,000-82,519,000-84,571,000-85,035,000-86,066,000-86,438,000-82,991,000-77,394,000-78,715,000-75,995,000-93,955,000-74,170,000-74,245,000-76,842,000-77,301,000-77,843,000-79,592,000-81,709,000-83,422,000-85,782,000-85,213,000-86,883,000-85,853,000-84,894,000-83,493,000-83,143,000-87,261,000-84,188,000-82,562,000-81,384,000-78,510,000-77,661,000-77,524,000-79,545,000-80,857,000-84,598,000-104,943,000-102,733,000-103,398,000-86,718,000-118,403,000-124,486,000-129,295,000-111,295,000-139,443,000-148,344,000-156,845,000-126,780,000000000000000000000000000000000
> Total Liabilities 
167,816,800
200,954,000
218,005,201
214,725,000
211,335,000
203,822,000
214,614,000
230,236,000
229,552,000
228,843,000
237,209,000
281,263,000
289,500,000
298,847,000
308,334,000
303,230,000
303,820,000
304,803,000
306,947,000
320,533,000
325,835,000
331,859,000
337,110,000
341,505,000
360,771,000
368,159,000
339,942,000
336,086,000
328,379,000
317,282,000
307,054,000
321,913,000
332,434,000
309,810,000
302,149,000
303,961,000
293,879,000
287,758,000
268,611,000
272,664,000
269,131,000
252,343,000
240,926,000
242,194,000
237,319,000
235,678,000
226,793,000
230,457,000
237,052,000
235,375,000
228,653,000
241,072,000
239,677,000
240,211,000
236,545,000
245,818,000
249,448,000
249,482,000
257,843,000
269,388,000
278,414,000
278,482,000
273,540,000
285,502,000
282,917,000
285,464,000
264,176,000
272,908,000
270,249,000
275,246,000
270,370,000
281,729,000
297,177,000
300,309,000
299,212,000
329,550,000
345,496,000
330,739,000
317,268,000
346,793,000
349,567,000
343,488,000
335,063,000
20,870,000
23,743,000
25,683,000
26,143,000
337,310,000
337,310,00026,143,00025,683,00023,743,00020,870,000335,063,000343,488,000349,567,000346,793,000317,268,000330,739,000345,496,000329,550,000299,212,000300,309,000297,177,000281,729,000270,370,000275,246,000270,249,000272,908,000264,176,000285,464,000282,917,000285,502,000273,540,000278,482,000278,414,000269,388,000257,843,000249,482,000249,448,000245,818,000236,545,000240,211,000239,677,000241,072,000228,653,000235,375,000237,052,000230,457,000226,793,000235,678,000237,319,000242,194,000240,926,000252,343,000269,131,000272,664,000268,611,000287,758,000293,879,000303,961,000302,149,000309,810,000332,434,000321,913,000307,054,000317,282,000328,379,000336,086,000339,942,000368,159,000360,771,000341,505,000337,110,000331,859,000325,835,000320,533,000306,947,000304,803,000303,820,000303,230,000308,334,000298,847,000289,500,000281,263,000237,209,000228,843,000229,552,000230,236,000214,614,000203,822,000211,335,000214,725,000218,005,201200,954,000167,816,800
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
203,233,000
213,191,000
222,179,000
224,065,000
219,234,000
229,374,000
226,140,000
229,263,000
208,932,000
217,158,000
213,913,000
217,377,000
214,530,000
225,598,000
240,611,000
243,687,000
243,653,000
272,168,000
289,257,000
273,733,000
255,320,000
285,577,000
228,726,000
225,603,000
240,393,000
225,030,000
222,080,000
202,108,000
191,799,000
225,816,000
225,816,000191,799,000202,108,000222,080,000225,030,000240,393,000225,603,000228,726,000285,577,000255,320,000273,733,000289,257,000272,168,000243,653,000243,687,000240,611,000225,598,000214,530,000217,377,000213,913,000217,158,000208,932,000229,263,000226,140,000229,374,000219,234,000224,065,000222,179,000213,191,000203,233,0000000000000000000000000000000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,260,000
25,346,000
25,917,000
24,938,000
23,771,000
41,363,000
38,382,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,099,000
14,557,000
11,091,000
6,668,000
21,600,000
15,040,000
5,235,000
13,010,000
13,010,0005,235,00015,040,00021,600,0006,668,00011,091,00014,557,00014,099,00000000000000000038,382,00041,363,00023,771,00024,938,00025,917,00025,346,00026,260,0000000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,260,000
25,346,000
25,917,000
24,938,000
23,771,000
41,363,000
38,382,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000000038,382,00041,363,00023,771,00024,938,00025,917,00025,346,00026,260,0000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
91,489
0
151,000
0
130,000
0
0
0
166,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
192,184,000
203,709,000
212,368,000
215,434,000
210,375,000
203,191,000
204,133,000
208,450,000
200,561,000
206,203,000
202,521,000
205,833,000
203,448,000
210,749,000
229,181,000
228,538,000
231,013,000
252,276,000
265,665,000
253,160,000
244,028,000
253,075,000
259,505,000
260,604,000
258,608,000
0
257,184,000
251,189,000
0
0
00251,189,000257,184,0000258,608,000260,604,000259,505,000253,075,000244,028,000253,160,000265,665,000252,276,000231,013,000228,538,000229,181,000210,749,000203,448,000205,833,000202,521,000206,203,000200,561,000208,450,000204,133,000203,191,000210,375,000215,434,000212,368,000203,709,000192,184,00000000000000000000000000000000000000000000000000166,000000130,0000151,000091,48900
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,413,000
1,293,000
1,334,000
1,342,000
1,278,000
1,413,000
960,000
1,276,000
1,294,000
1,206,000
1,457,000
1,506,000
2,029,000
1,528,000
1,247,000
1,649,000
1,874,000
1,819,000
2,114,000
6,243,000
1,736,000
2,162,000
214,627,000
211,046,000
229,302,000
218,362,000
200,480,000
187,068,000
186,564,000
212,806,000
212,806,000186,564,000187,068,000200,480,000218,362,000229,302,000211,046,000214,627,0002,162,0001,736,0006,243,0002,114,0001,819,0001,874,0001,649,0001,247,0001,528,0002,029,0001,506,0001,457,0001,206,0001,294,0001,276,000960,0001,413,0001,278,0001,342,0001,334,0001,293,0001,413,0000000000000000000000000000000000000000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
307,054,000
0
0
0
302,149,000
0
0
0
268,611,000
0
0
0
240,926,000
242,194,000
237,319,000
235,678,000
226,793,000
230,457,000
237,052,000
235,375,000
228,653,000
241,072,000
239,677,000
240,211,000
236,545,000
245,818,000
249,448,000
249,482,000
257,843,000
269,388,000
278,414,000
278,482,000
273,540,000
285,502,000
282,917,000
285,464,000
264,176,000
272,908,000
270,249,000
275,246,000
270,370,000
281,729,000
297,177,000
300,309,000
299,212,000
329,550,000
345,496,000
330,739,000
317,268,000
346,793,000
349,567,000
343,488,000
335,063,000
20,870,000
23,743,000
25,683,000
26,143,000
111,494,000
111,494,00026,143,00025,683,00023,743,00020,870,000335,063,000343,488,000349,567,000346,793,000317,268,000330,739,000345,496,000329,550,000299,212,000300,309,000297,177,000281,729,000270,370,000275,246,000270,249,000272,908,000264,176,000285,464,000282,917,000285,502,000273,540,000278,482,000278,414,000269,388,000257,843,000249,482,000249,448,000245,818,000236,545,000240,211,000239,677,000241,072,000228,653,000235,375,000237,052,000230,457,000226,793,000235,678,000237,319,000242,194,000240,926,000000268,611,000000302,149,000000307,054,000000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,315,000
18,430,000
18,554,000
18,846,000
19,193,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000019,193,00018,846,00018,554,00018,430,00019,315,000000000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
5,936,000
6,069,000
7,852,280
8,449,000
8,429,000
9,000,000
9,148,000
9,523,000
10,001,000
10,322,000
10,519,000
13,315,000
14,382,000
15,227,000
15,751,000
15,365,000
15,198,000
16,594,000
17,219,000
16,632,000
17,201,000
17,316,000
17,348,000
15,554,000
15,459,000
14,254,000
14,210,000
10,136,000
14,888,000
16,416,000
16,662,000
17,677,000
17,259,000
18,245,000
18,147,000
18,012,000
18,500,000
16,834,000
16,255,000
17,449,000
16,188,000
17,128,000
15,598,000
16,005,000
15,620,000
14,228,000
14,159,000
15,368,000
15,719,000
16,240,000
16,524,000
17,327,000
16,977,000
17,421,000
15,811,000
15,733,000
16,233,000
16,534,000
17,357,000
17,905,000
18,065,000
18,403,000
18,802,000
18,520,000
19,017,000
19,276,000
19,632,000
19,424,000
19,299,000
19,584,000
20,365,000
19,722,000
20,211,000
20,884,000
21,531,000
22,268,000
23,100,000
23,597,000
23,078,000
23,110,000
20,240,000
20,040,000
20,809,000
23,142,000
22,854,000
23,864,000
24,261,000
22,167,000
22,167,00024,261,00023,864,00022,854,00023,142,00020,809,00020,040,00020,240,00023,110,00023,078,00023,597,00023,100,00022,268,00021,531,00020,884,00020,211,00019,722,00020,365,00019,584,00019,299,00019,424,00019,632,00019,276,00019,017,00018,520,00018,802,00018,403,00018,065,00017,905,00017,357,00016,534,00016,233,00015,733,00015,811,00017,421,00016,977,00017,327,00016,524,00016,240,00015,719,00015,368,00014,159,00014,228,00015,620,00016,005,00015,598,00017,128,00016,188,00017,449,00016,255,00016,834,00018,500,00018,012,00018,147,00018,245,00017,259,00017,677,00016,662,00016,416,00014,888,00010,136,00014,210,00014,254,00015,459,00015,554,00017,348,00017,316,00017,201,00016,632,00017,219,00016,594,00015,198,00015,365,00015,751,00015,227,00014,382,00013,315,00010,519,00010,322,00010,001,0009,523,0009,148,0009,000,0008,429,0008,449,0007,852,2806,069,0005,936,000
   Common Stock
0
0
590,388
0
591,000
0
608,000
0
0
0
608,000
0
0
0
1,234,000
0
0
0
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,244,000
1,244,000
1,244,000
1,244,000
1,245,000
1,245,000
10,259,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
10,629,000
1,450,000
1,450,000
1,450,000
1,450,000
1,452,000
1,452,000
1,452,000
1,452,000
1,453,000
1,453,000
1,453,000
1,453,000
1,454,000
1,454,000
1,454,000
1,454,000
1,455,000
1,455,000
1,455,000
1,455,000
1,456,000
1,456,000
1,456,000
1,456,000
1,457,000
1,457,000
1,457,000
1,457,000
1,458,000
1,458,000
1,458,000
1,458,000
1,459,000
1,459,000
1,459,000
1,459,000
1,460,000
1,460,000
1,460,000
1,460,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,0001,461,0001,461,0001,461,0001,461,0001,461,0001,460,0001,460,0001,460,0001,460,0001,459,0001,459,0001,459,0001,459,0001,458,0001,458,0001,458,0001,458,0001,457,0001,457,0001,457,0001,457,0001,456,0001,456,0001,456,0001,456,0001,455,0001,455,0001,455,0001,455,0001,454,0001,454,0001,454,0001,454,0001,453,0001,453,0001,453,0001,453,0001,452,0001,452,0001,452,0001,452,0001,450,0001,450,0001,450,0001,450,00010,629,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,00010,259,0001,245,0001,245,0001,244,0001,244,0001,244,0001,244,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0000001,234,000000608,000000608,0000591,0000590,38800
   Retained Earnings Total Equity0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-596,000
-1,161,000
-1,095,000
1,127,000
1,140,000
1,087,000
1,166,000
1,158,000
1,158,0001,166,0001,087,0001,140,0001,127,000-1,095,000-1,161,000-596,00000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Capital Surplus 0000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00000000000000-1,000-1,000-1,000-2,000-2,000000-4,000-163,000-4,000-5,000-5,000-2,0000000000-1,000000000000-1,000-1,529,000-1,534,000-1,532,000-1,529,000-1,529,000-1,529,000-1,529,000-1,529,000-1,529,000-1,554,000-1,559,000-1,560,000-1,560,000-1,560,000-1,500,000-1,561,000-1,563,000-1,566,000-1,496,000-1,285,000-1,006,000-730,000-1,275,000-1,111,000-982,000-714,000-785,000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,523,000
17,677,000
7,000,000
18,245,000
9,153,000
18,012,000
18,500,000
16,834,000
8,179,000
17,449,000
14,943,000
6,499,000
8,956,000
8,853,000
8,913,000
7,833,000
8,059,000
9,043,000
9,092,000
9,038,000
8,874,000
9,181,000
9,183,000
9,039,000
7,578,000
7,123,000
6,914,000
7,005,000
7,155,000
7,082,000
7,154,000
7,232,000
7,245,000
6,675,000
7,336,000
7,508,000
7,274,000
6,651,000
6,837,000
6,939,000
7,032,000
6,401,000
6,695,000
6,658,000
6,926,000
7,113,000
7,348,000
7,260,000
7,346,000
6,928,000
6,432,000
5,867,000
5,949,000
7,042,000
7,043,000
7,639,000
7,302,000
4,734,000
4,734,0007,302,0007,639,0007,043,0007,042,0005,949,0005,867,0006,432,0006,928,0007,346,0007,260,0007,348,0007,113,0006,926,0006,658,0006,695,0006,401,0007,032,0006,939,0006,837,0006,651,0007,274,0007,508,0007,336,0006,675,0007,245,0007,232,0007,154,0007,082,0007,155,0007,005,0006,914,0007,123,0007,578,0009,039,0009,183,0009,181,0008,874,0009,038,0009,092,0009,043,0008,059,0007,833,0008,913,0008,853,0008,956,0006,499,00014,943,00017,449,0008,179,00016,834,00018,500,00018,012,0009,153,00018,245,0007,000,00017,677,0009,523,000000000000000000000000000000000



Balance Sheet

Currency in EUR. All numbers in thousands.