OTP Bank Nyrt., (OTP) Fair Value & Analysis
Financial Services · HU · Market cap 11.6T HUF
Fair value as of: Aug 13, 2026
From 4 valuation models · updated today
Fair value updated Aug 13, 2026, revised from 157.71 HUF to 14,483 HUF (+9,083.6%) since Aug 7, 2026. Share price +1.4% over the past month.
A solid business, but screening 69% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (18,104 HUF). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 6,949 HUF – 47,250 HUF · fair‑value band 10,863 HUF – 18,104 HUF · the 46,340 HUF price screens above the 14,483 HUF fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
OTP Bank Nyrt., (OTP) currently trades at 46,340 HUF, while our model-based Fair Value estimate is 14,483 HUF, implying the stock looks roughly 68.8% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, OTP Bank Nyrt., generated revenue of 2.9T HUF at a net margin of 38.4%. Revenue grew 11.4% year over year. It earns a return on equity of 20.6%. The balance sheet holds a net cash position of 4.3T HUF. Fundamentals as of Aug 13, 2026
Our scenario range runs from 10,863 HUF (bear case) to 18,104 HUF (bull case); at 46,340 HUF, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 90% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at -69%, OTP screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (40,922 HUF) versus Asset-Based (14,806 HUF). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 82
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
OTP Bank Nyrt., together with its subsidiaries, provides various commercial banking services. 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 …
Full company description
OTP Bank Nyrt., together with its subsidiaries, provides various commercial banking services. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +5.9 pp · buybacks/dilution −1.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
OTP screens 69% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1086 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,130 IDR | 6,067 IDR | +47% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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