Banca Transilvania S.A (TLV) Fair Value & Analysis

Financial Services · RO · Market cap 41.1B RON

Below-average quality, screening 49% undervalued on our models.

What matters now

• The price is below even our cautious bear case (41.72 RON). The market is more pessimistic than our downside scenario.
• Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
• 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 Jul 27, 2026.

How to read this chart

60‑month range 8.51 RON – 38.30 RON · fair‑value band 41.72 RON – 69.54 RON · the 37.36 RON price screens below the 55.63 RON fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Banca Transilvania S.A (TLV) currently trades at 37.36 RON, while our model-based Fair Value estimate is 55.63 RON, implying the stock looks roughly 48.9% undervalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Banca Transilvania S.A generated revenue of 11.3B RON at a net margin of 41.7%. Revenue grew 15.2% year over year. It earns a return on equity of 23.2%. The stock trades on a trailing P/E of 8.5. Fundamentals as of Jul 27, 2026

Our scenario range runs from 41.72 RON (bear case) to 69.54 RON (bull case); at 37.36 RON, the current price sits below 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 about 3% below its 52-week high and 57% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 49%, TLV screens cheaper 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.

Widest divergence: Economic Profit (39.39 RON) versus Asset-Based (13.79 RON). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Banca Transilvania S.A. provides various banking products and services in Romania, Italy, and the Republic of Moldova. The company operates through Large Corporate Clients, Medium Corporate Customers, SME clients, Micro Business clients, Retail customers, Treasury, Leasing and consumer finance granted by non-banking financial institutions, and Other …

Full company description

Banca Transilvania S.A. provides various banking products and services in Romania, Italy, and the Republic of Moldova. The company operates through Large Corporate Clients, Medium Corporate Customers, SME clients, Micro Business clients, Retail customers, Treasury, Leasing and consumer finance granted by non-banking financial institutions, and Other segments. It offers transactional banking products, current account subscriptions, bancassurance products, debit and credit cards, deposits and savings accounts, consumer loans and mortgages, and ATM services to children, students, and employees. The company also provides transaction banking, treasury, trade finance, and retail products, as well as asset management, merger and acquisition consultancy, and capital market advisory services to legal and public entities, and financial institutions. In addition, it offers lending, current and treasury operations; bonus packages, structured finance, and co-financing of EU-funded projects; and bancassurance, and financial and operating leasing services, as well as lease facilities, microfinance, brokerage, factoring, and real estate services. Further, the company provides loans for working capital or investments, letters of guarantee, EU project co-financing, invoice discounting, and factoring; general and FX operations, incoming and outgoing payments, cheques, promissory notes, and salary payment agreements; and internet and mobile banking, e-commerce, POSs and, the integration service of financial data to limited liability companies, freelancers, and sole proprietorships. Additionally, it offers services to companies that have undergone the incipient growth stages and whose business activity requires further attention. Banca Transilvania S.A. was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Banca Transilvania S.A reported revenue of 11.8B RON in FY2025 versus 5.5B RON in FY2021, a compound +20.9%/yr. Reported net income was 4.7B RON in FY2025, compounding +23.8%/yr from FY2021.

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Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

• Banca Transilvania SA (FRA:7TB) Q1 2026 Earnings Call Highlights: Strong Profit Growth Amidst ... Yahoo Finance · Jun 6, 2026
• Banca Transilvania SA (FRA:7TB) Full Year 2025 Earnings Call Highlights: Strong Profit Growth ... Yahoo Finance · Mar 2, 2026

Peer Group

Banks - Regional · 1083 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.

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.

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Frequently asked questions

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.