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Banca Transilvania

BUH:TLV · ROTLVAACNOR1
BanksMedium

360

60
Profit price81
Cash yield29
Price/Sales68
EV / Gross Profit57
Price/Book24
Returns on capital100
Profit margins—
Cash Conversion36
Accruals67
Owner Earnings Margin85
Sales growth61
Profit Growth45
Owner Earnings Growth61
Reinvestment82
Price momentum78
Debt load52
Debt serviceability12
Liquidity52
Analyst ratings59
Opinion Changes24
Price Target Upside8
Market mood75
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Banca Transilvania generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryRomania
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBVB
Founded1993
Employees4,919
Websitebancatransilvania.ro
ISINROTLVAACNOR1
Last UpdateApr 2, 2026
Indices
Renewable Energy Users
Themes
BankingFinancial ServicesVenture Capital

Description

Banca Transilvania S.A. is a major banking institution providing a comprehensive range of financial and banking services tailored to diverse customer segments including individuals, small and medium enterprises (SMEs), and large corporate clients. B…

Analysis

Quality compounder

Banca Transilvania S.A. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.5×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
49
2023202420252026

All-time high

100

Dec 2025

All-time low

49

Jun 2026

Average rank

79

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
68
54
38
36
Price/Earnings
70
74
34
59
Price/Book
24
20
9
12
Dividend Yield
29
55
32
89
Value (overall)
46
57
19
41

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →