Addiko Bank (ADKO.VI) Stock Price
Addiko Bank Price
Over the last 10 years Addiko Bank grew revenue by 0.9% annually, reaching 265.00 M EUR. Earnings per share have grown at 0.8% per year over the last 8 years. For Addiko Bank, the net margin of 16.6% is up versus 5.9% a few years ago. At today's price the dividend yield works out to roughly 4.86%. The payout ratio is around 54% of earnings. The consensus 12-month price target for Addiko Bank is 23.05 EUR, about 11.0% below where the stock trades today. Of 9 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 28% above its 52-week low.
Addiko Bank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Addiko Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Addiko Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Addiko Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Addiko Bank Price |
|---|---|
| 9/23/2026 | 25.90 EUR |
| 9/22/2026 | 25.10 EUR |
| 9/21/2026 | 25.50 EUR |
| 9/18/2026 | 25.90 EUR |
| 9/17/2026 | 25.00 EUR |
| 9/16/2026 | 25.60 EUR |
| 9/15/2026 | 25.60 EUR |
| 9/14/2026 | 25.50 EUR |
| 9/11/2026 | 25.20 EUR |
| 9/10/2026 | 25.20 EUR |
| 9/9/2026 | 25.20 EUR |
| 9/8/2026 | 25.20 EUR |
| 9/7/2026 | 25.20 EUR |
| 9/4/2026 | 25.00 EUR |
| 9/3/2026 | 25.00 EUR |
| 9/2/2026 | 25.90 EUR |
| 9/1/2026 | 25.90 EUR |
| 8/31/2026 | 26.00 EUR |
| 8/28/2026 | 25.90 EUR |
| 8/27/2026 | 25.90 EUR |
| 8/26/2026 | 25.90 EUR |
| 8/25/2026 | 25.90 EUR |
| 8/21/2026 | 25.90 EUR |
| 8/20/2026 | 25.70 EUR |
| 8/19/2026 | 25.50 EUR |
| 8/18/2026 | 25.10 EUR |
| 8/17/2026 | 25.10 EUR |
| 8/14/2026 | 25.90 EUR |
| 8/13/2026 | 25.80 EUR |
| 8/12/2026 | 25.80 EUR |
Addiko Bank Revenue, Pre-Provision Profit, Net Income
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Addiko Bank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM EUR |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeM EUR |
| Non-Interest IncomeM EUR |
| Loan Loss ProvisionsM EUR |
| Pre-Provision Profit (PPOP)M EUR |
| NET INCOMEM EUR |
| NET INCOME GROWTH% |
| DIVIDENDDIV.EUR |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 338.00 | – | 238.00 | 311.00 | 267.00 | 250.00 | 247.00 | 254.00 | 298.00 | 321.00 | 323.00 | – | 328.00 | 350.00 |
| – | – | – | 30.67 | -14.15 | -6.37 | -1.20 | 2.83 | 17.32 | 7.72 | 0.62 | – | – | 6.71 |
| 181.00 | 157.80 | 163.60 | 173.10 | 183.00 | 174.60 | 169.40 | 176.40 | 228.00 | 242.70 | 238.40 | – | – | – |
| 62.30 | 75.10 | 5.70 | 97.80 | 57.10 | 53.60 | 60.20 | 59.60 | 21.70 | 10.50 | 26.60 | – | – | – |
| -78.30 | -103.40 | -159.10 | -2.80 | -2.90 | 53.20 | 29.60 | 15.40 | 11.80 | 36.00 | – | – | – | – |
| -734.20 | -124.40 | -201.70 | 46.60 | -1.20 | 31.10 | 29.60 | 26.60 | 8.40 | 27.60 | 265.00 | – | – | – |
| -675.00 | – | 41.00 | 104.00 | 35.00 | 1.00 | 13.00 | 25.00 | 41.00 | 45.00 | 44.00 | 44.00 | 52.00 | 60.00 |
| – | – | – | 153.66 | -66.35 | -97.14 | 1,200.00 | 92.31 | 64.00 | 9.76 | -2.22 | – | 18.18 | 15.38 |
| – | – | – | – | – | – | 2.39 | – | 1.21 | 1.26 | – | 1.26 | 1.26 | 1.26 |
| – | – | – | – | – | – | – | – | – | 4.13 | – | – | – | – |
| 19.50 | 19.50 | 19.50 | 19.50 | 19.50 | 19.50 | 19.50 | 19.47 | 19.33 | 19.29 | 19.29 | 19.29 | 19.29 | 19.29 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Addiko Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Addiko Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Addiko Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Addiko Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Addiko Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Addiko Bank stock margins
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Addiko Bank Revenue per Share, Earnings per Share
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Addiko Bank business model & stock analysis
Addiko Bank SWOT Analysis
Strengths
Addiko Bank AG has a strong presence in the market and a well-established brand image. The bank has a diverse portfolio of financial products and services, catering to both individual and corporate clients. Addiko Bank AG also has a robust and efficient technology infrastructure, which allows for smooth and convenient banking operations.
The bank's strong customer base and extensive branch network provide a competitive advantage, enabling Addiko Bank AG to reach a wide range of customers across different regions. Additionally, the bank has a team of experienced professionals who excel in providing personalized customer service and financial advice.
Weaknesses
One of the weaknesses of Addiko Bank AG is its reliance on traditional banking methods and channels. The bank needs to invest more in digital transformation and innovation to keep up with the changing customer preferences and technological advancements in the financial industry.
Furthermore, Addiko Bank AG may face challenges in terms of regulatory compliance and risk management, considering the dynamic nature of the banking sector. Enhancing internal controls and risk mitigation strategies should be a priority for the bank.
Opportunities
Addiko Bank AG can capitalize on the growing demand for online banking and digital financial services. By developing user-friendly mobile and online banking platforms, the bank can attract tech-savvy customers and tap into the expanding market of digital banking.
Expanding into new geographical markets and segments, such as small and medium enterprises (SMEs) or wealth management, presents significant opportunities for Addiko Bank AG. This would allow the bank to diversify its revenue streams and reduce dependency on specific markets or customer groups.
Threats
One of the major threats for Addiko Bank AG is intense competition from other established banks and emerging financial technology companies. These competitors may offer innovative financial solutions and better customer experiences, posing a risk to Addiko Bank AG's market share.
Economic downturns and financial market instabilities can significantly impact the performance of Addiko Bank AG. Fluctuations in interest rates, inflation, or exchange rates can lead to reduced profitability and an increase in non-performing loans.
Addiko Bank Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Addiko Bank historical P/E ratio, EBIT multiple, and P/S ratio
Addiko Bank annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down Addiko Bank's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in Addiko Bank's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare Addiko Bank's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Addiko Bank shares outstanding
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Addiko Bank Dividend History
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Addiko Bank dividend payout ratio
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Current Addiko Bank forecasts and price targets in September 2026
Analyst Price Targets 2026Addiko Bank Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 5/6/2026 | -EUR | 0.52EUR | 55.40 MEUR | - | 2026 Q1 |
| 3/5/2026 | -EUR | - | 55.40 MEUR | - | 2025 Q4 |
| 8/13/2025 | -EUR | 0.49EUR | 77.90 MEUR | - | 2025 Q2 |
| 11/7/2024 | -EUR | - | 70.00 MEUR | - | 2024 Q3 |
| 8/8/2024 | -EUR | 0.51EUR | 70.00 MEUR | - | 2024 Q2 |
| 3/8/2023 | 0.10EUR | 0.31EUR | -EUR | - | 2022 Q4 |
| 11/9/2022 | 0.31EUR | 0.35EUR | -EUR | - | 2022 Q3 |
| 8/17/2022 | 0.31EUR | 0.32EUR | -EUR | - | 2022 Q2 |
| 5/11/2022 | 0.28EUR | 0.33EUR | -EUR | - | 2022 Q1 |
| 11/3/2021 | 0.18EUR | 0.18EUR | -EUR | - | 2021 Q3 |
Addiko Bank shareholder structure
| % | Name |
|---|---|
2.02978% | |
0.25641% | |
0.22989% | |
0.18974% | |
0.13928% | |
0.12942% |
Addiko Bank Beneficial Ownership Filings (SEC 13D/G)
Addiko Bank Executives and Management Board
10 members · avg. age 55 · 20 % women
Management
Mr. Tadej Krasovec
Chief Risk Officer, Member of the Management Board
Board of Directors
Dr. Kurt Pribil
Chairman of the Supervisory Board
Mr. Pieter Van Groos
Deputy Chairman of the Supervisory Board · since 2021
Mr. Ganesh Krishnamoorthi
Member of the Management Board
Ms. Dragica Pilipovic-Chaffey (76)
Independent Member of the Supervisory Board
Mr. Sebastian Schoenaich-Carolath (65)
Independent Member of the Supervisory Board · since 2019
Mr. Christian Lobner (44)
Member of the Supervisory Board - Delegated by the Works Council
Frequently asked questions about Addiko Bank
Addiko Bank AG operates as a full-service bank, operating in Southeastern Europe with a focus on retail and SME banking. With a customer-centric approach, the bank offers various financial products and services, including loans, savings accounts, payment services, and investment solutions. Addiko Bank AG aims to support individuals, households, and businesses in achieving their financial goals by providing tailored solutions and innovative banking services. By leveraging its regional expertise and commitment to long-term partnerships, Addiko Bank AG strives to foster financial stability and growth in its target markets.
Addiko Bank AG is primarily active in the financial services industry. With its headquarters based in Austria, Addiko Bank AG offers a wide range of banking services to individuals and businesses. As a financial institution, Addiko Bank AG provides services such as retail banking, corporate banking, wealth management, and investment banking. As a leading player in the financial sector, Addiko Bank AG focuses on providing innovative and tailor-made solutions to meet the diverse needs of its customers.
The main competitors of Addiko Bank AG in the market are other leading banks operating in the same region and offering similar services. Some of the prominent competitors include Erste Group Bank AG, Raiffeisen Bank International AG, and UniCredit Bank Austria AG. These banks compete with Addiko Bank AG in various areas such as retail banking, corporate banking, and financial services. As Addiko Bank AG aims to provide comprehensive and customer-centric solutions, it constantly evaluates the competitive landscape to offer the best financial offerings and services to its clients.
Addiko Bank AG is a financial institution with a rich history and background. Originally established in 1896 as the Kreditanstalt für Handel und Gewerbe, it became a well-known bank in Southeast Europe. Over the years, it has grown into a leading provider of financial services, offering a broad range of banking products to individuals and businesses. The bank's commitment to customer satisfaction and focus on innovation has contributed to its success and reputation in the market. Addiko Bank AG continues to evolve and adapt to the ever-changing financial landscape, making it a reliable and trusted partner for all banking needs.
Addiko Bank AG has achieved significant milestones throughout its existence. The bank has successfully expanded its operations across Southeastern Europe, establishing a strong presence in several countries. It has consistently focused on enhancing customer experiences by offering innovative banking products and services. Addiko Bank AG has also prioritized digital transformation, investing in advanced technology to provide seamless and efficient banking solutions. The company's commitment to financial stability and long-term growth has enabled it to maintain a solid financial position and attract a large customer base. With its continuous efforts to adapt to market changes and deliver exceptional value, Addiko Bank AG remains a trusted and prominent player in the banking industry.
Addiko Bank AG is primarily present in the countries of Austria, Croatia, Serbia, Slovenia, Bosnia and Herzegovina, and Montenegro.
Addiko Bank AG is a financial institution that embodies strong values and a customer-centric corporate philosophy. The company upholds principles of trust, transparency, and integrity in all its interactions. With a focus on offering innovative solutions and superior service, Addiko Bank AG prides itself on fostering long-term relationships with its customers. The bank's commitment to sustainable growth and responsible banking practices ensures the well-being of its stakeholders. Addiko Bank AG's dedication to excellence and its customer-centric approach make it a reliable and trustworthy partner in the financial sector.
Analysts currently set an average price target of 23.05 EUR for the Addiko Bank stock (median: 23.05 EUR), implying -8.2 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the Addiko Bank stock: 0 recommend buying, 3 holding and 6 selling.
The Addiko Bank share (ADKO.VI) is listed on 6 stock exchanges, including: XETRA (ZYE1.F), München (ZYE1.MU), Düsseldorf (ZYE1.DU), Wien (ADKO.VI).
The Addiko Bank AG is a banking group based in Vienna, which operates in several European countries. Its business model is based on a comprehensive portfolio of financial services tailored to the needs of private and corporate customers. The core business of Addiko Bank AG includes traditional banking services such as accounts, payments, loans, savings products, and insurance. In the retail customer segment, the bank also offers investment and securities services, including online-based trading platforms. A particular focus is on digital transformation. In this area, Addiko works on innovative solutions and partnerships to make access to financial services easier and more intuitive for customers. An example of this is the digital-based savings account, which allows customers to manage their money online and save flexibly. In addition to improving digital channels and offerings for retail customers, Addiko also focuses on corporate banking. The bank provides financing solutions and advisory services for small and medium-sized enterprises. Furthermore, the company closely collaborates with international customers showing strong commitment in the Central, South, and Eastern European regions. Another important area of Addiko Bank AG's business model is the range of credit cards. The company offers a wide range of cards, some of which are specifically tailored to the needs of business customers. In summary, Addiko Bank AG pursues a comprehensive business model tailored to the needs of private and corporate customers and extends across various segments. The bank aims to offer innovative and digital solutions to enhance the customer experience while ensuring high service quality and stability. With a strong focus on the CEE and SEE priority markets and providing leading banking services in these regions, Addiko Bank AG positions itself as the central regional bank of the Western Balkans and Southeast Europe.
The revenue cannot currently be calculated for Addiko Bank.
The expected profit of Addiko Bank is 44.46 M EUR. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Addiko Bank is currently 11.24. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Addiko Bank stock.
The P/S cannot be calculated for Addiko Bank currently.
The Eulerpool Quality Score for Addiko Bank is 1/10.
The ISIN of Addiko Bank is AT000ADDIKO0. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Addiko Bank is A2PMK5. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Addiko Bank is ADKO.VI. The ticker symbol is used to trade Addiko Bank shares on the stock exchange.
Over the past 12 months, Addiko Bank paid a dividend of 1.26 EUR . This corresponds to a dividend yield of about 4.86 %. For the coming 12 months, Addiko Bank is expected to pay a dividend of 1.26 EUR.
The current dividend yield of Addiko Bank is 4.86 %.
Addiko Bank pays a dividend, distributed in the months of April, November, May.
Addiko Bank paid dividends every year for the past 0 years.
For the upcoming 12 months, dividends amounting to 1.26 EUR are expected. This corresponds to a dividend yield of 5.02 %.
Addiko Bank is assigned to the 'Finance' sector.
To receive the latest dividend of Addiko Bank from 5/7/2024 amounting to 1.26 EUR, you needed to have the stock in your portfolio before the ex-date on 5/2/2024.
The last dividend was paid out on 5/7/2024.
In the year 2024, Addiko Bank distributed 1.26 EUR as dividends.
The dividends of Addiko Bank are distributed in EUR.
Addiko Bank stock
Addiko Bank Peer Group
Addiko Bank Ticker
Addiko Bank FIGI
All fundamentals and in-depth analysis of Addiko Bank
Our stock analysis for Addiko Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Addiko Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.