OTP Bank Nyrt (OTP) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of OTP Bank Nyrt stock HUF 35,238, price HUF 42,500, that is 17.1% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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OTP Bank Nyrt
OTP · BUDOur calculation puts a fair price 17% below what the stock costs today.
Risks from the AI analysis
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69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.
How to read this chart
60‑month range 6,949 HUF – 47,250 HUF · fair‑value band 25,929 HUF – 54,738 HUF · the 42,500 HUF price screens above the 35,238 HUF fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 2026.
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Company profile
OTP Bank Nyrt., together with its subsidiaries, provides various commercial banking services.
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The company offers retail banking services, including account management comprising forint account packages, inheritance administration, and foreign currency accounts; debit cards; internet and mobile banking; direkt telephone banking services; and deposits and securities accounts.
It also provides corporate banking services, such as account opening, authenticated electronic bank account statements, cash management solutions, business cards, HUF and foreign currency loans, bank guarantees, special agricultural loans, factoring, European union grants, leasing, specialized lending/project financing, syndicated lending and international financing, and forfaiting and buyer's credits; securities account, stock exchange transaction orders, investment fund shares, and government securities; and global markets services, capital market solutions, private banking, and global securities services.
In addition, the company is involved in refinancing activities; mortgage lending; real estate management and development; finance and real estate lease; housing savings and loans; fund management; and fund services.
The company operates through a network of branches in Hungary, Bulgaria, Serbia, Croatia, Russia, Ukraine, Albania, Montenegro, Moldova, Slovenia, and Uzbekistan, as well as provides other services in the Netherlands and Malta. OTP Bank Nyrt. was founded in 1949 and is based in Budapest, Hungary.
Stock analysis
OTP Bank Nyrt (OTP) currently trades at 42,500 HUF, while our model-based Fair Value estimate is 35,238 HUF, 17% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 43,790 HUF per share, and 1 of the 6 models we run sit above the 42,500 HUF price.
Bear case: the Asset-Based group reads lowest at 13,844 HUF, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 25,929 HUF (bear) to 54,738 HUF (bull), the price of 42,500 HUF sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
OTP Bank Nyrt reported revenue of 3.1T HUF in FY2025 versus 1.4T HUF in FY2021, a compound +22.5%/yr. Reported net income was 1.1T HUF in FY2025, compounding +25.8%/yr from FY2021.
Key figures
Market cap 10.8T HUF (≈ $32.7B) Large · P/E ratio 9.6 · P/S ratio 3.65 · EPS (TTM) 4,408 HUF · Dividend yield 2.7% · Net margin 38.1% · Return on equity 20.0% · Return on assets (EBIT) 2.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −17%, OTP screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
OTP screens overvalued: fair value 17% below the price. Compare with China Merchants Bank Co →
Compare OTP Bank Nyrt with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- Piotroski F-Score screener with fair value
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.63 | ¥7.59 | +35% | vs OTP |
| China Merchants Bank Co 600036 | ¥42.56 | ¥52.73 | +24% | vs OTP |
| BNP Paribas SA BNP | €95.77 | €107.43 | +12% | vs OTP |
| Intesa Sanpaolo S.p.A ISP | €6.30 | €4.91 | −22% | vs OTP |
| UniCredit S.p.A UCG | €84.24 | €58.08 | −31% | vs OTP |
| Oversea-Chinese Banking Corporation O39 | 28.82 SGD | 18.20 SGD | −37% | vs OTP |
| Mizuho Financial Group MFG | $10.16 | $5.87 | −42% | vs OTP |
| DBS Group D05 | 70.97 SGD | 40.39 SGD | −43% | vs OTP |
| HDFC Bank Limited HDFCBANK | ₹806.60 | ₹406.39 | −50% | vs OTP |
| ICICI Bank Limited ICICIBANK | ₹1,572 | ₹615.63 | −61% | vs OTP |
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Frequently asked questions
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Key figures of OTP Bank Nyrt
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