CrediaBank S.A. (CREDIA.AT)
Every figure this model derived for CREDIA.AT, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.
| Figure | Value | XBRL tag | As at |
|---|---|---|---|
| capex | 5,286,000 | PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities |
2024-12-31 |
| cash | 711,073,000 | CashAndCashEquivalents |
2026-01-01 |
| equity | 978,777,000 | EquityAttributableToOwnersOfParent |
2026-01-01 |
| interest expense | 92,524,000 | InterestExpense |
2025-12-31 |
| ocf | -156,992,000 | CashFlowsFromUsedInOperatingActivities |
2025-12-31 |
The ratios
The figures themselves rather than their scores — what somebody looking up CREDIA.AT on one particular measure came for.
| Ratio | Value |
|---|---|
| ev ebit | 9.04 |
| ev owner earnings | -6.93 |
| interest cover | 1.34 |
| roic | 36.72 |
Everything else this filing tags
153 more elements from CREDIA.AT's own XBRL that this model has no measure for, newest reading each, largest first. Nothing here is converted, added up or renamed — it is the filing's own element names and the filing's own numbers.
| Element | Newest | As of | Periods | Unit |
|---|---|---|---|---|
Assets | 8,479,639,000 | 2026-01-01 | 6 | EUR |
EquityAndLiabilities | 8,479,639,000 | 2026-01-01 | 6 | EUR |
Liabilities | 7,500,863,000 | 2026-01-01 | 6 | EUR |
DepositsFromCustomers | 6,757,046,000 | 2026-01-01 | 6 | EUR |
LoansAndAdvancesToCustomers | 5,457,157,000 | 2026-01-01 | 6 | EUR |
PurchaseOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | 1,836,025,000 | 2024-12-31 | 5 | EUR |
NoncurrentInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod | 1,440,415,000 | 2026-01-01 | 6 | EUR |
AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers | -1,045,875,000 | 2025-12-31 | 6 | EUR |
Equity | 978,777,000 | 2026-01-01 | 7 | EUR |
AdjustmentsForIncreaseDecreaseInDepositsFromCustomers | 671,807,000 | 2025-12-31 | 6 | EUR |
ChangesInSharePremium | 669,333,000 | 2024-12-31 | 4 | EUR |
CashAndBankBalancesAtCentralBanks | 642,518,000 | 2026-01-01 | 6 | EUR |
SharePremium | 519,434,000 | 2026-01-01 | 6 | EUR |
SalesRedemptionsOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | 443,958,000 | 2025-12-31 | 6 | EUR |
OtherLiabilities | 284,860,000 | 2026-01-01 | 6 | EUR |
RevenueAndOperatingIncome | 279,162,000 | 2025-12-31 | 6 | EUR |
OtherReserves | 266,825,000 | 2026-01-01 | 6 | EUR |
IntangibleAssetsOtherThanGoodwill | 262,121,000 | 2026-01-01 | 6 | EUR |
RevenueFromInterest | 260,796,000 | 2025-12-31 | 6 | EUR |
DepositsFromBanks | 258,736,000 | 2026-01-01 | 6 | EUR |
IncreaseDecreaseInWorkingCapital | 252,266,000 | 2025-12-31 | 6 | EUR |
InterestReceivedClassifiedAsOperatingActivities | 251,294,000 | 2025-12-31 | 6 | EUR |
CashFlowsFromUsedInInvestingActivities | 244,606,000 | 2025-12-31 | 6 | EUR |
DeferredTaxAssets | 224,658,000 | 2026-01-01 | 6 | EUR |
IncreaseDecreaseInCashAndCashEquivalents | 209,461,000 | 2025-12-31 | 6 | EUR |
IncorporationOfEquity | 203,855,000 | 2024-12-31 | 1 | EUR |
OtherAssets | 175,842,000 | 2026-01-01 | 6 | EUR |
DebtSecurities | 169,063,000 | 2026-01-01 | 6 | EUR |
InterestRevenueExpense | 168,272,000 | 2025-12-31 | 6 | EUR |
PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities | 166,152,000 | 2025-12-31 | 3 | EUR |
PaymentsToSuppliersForGoodsAndServicesAndToAndOnBehalfOfEmployees | 161,852,000 | 2025-12-31 | 3 | EUR |
AdjustmentsForIncreaseDecreaseInDepositsFromBanks | 160,012,000 | 2025-12-31 | 2 | EUR |
MergerOfBank | -155,843,000 | 2024-12-31 | 1 | EUR |
OperatingExpense | 154,720,000 | 2025-12-31 | 6 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughProfitLoss | -131,392,000 | 2024-12-31 | 2 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading | -129,462,000 | 2023-12-31 | 4 | EUR |
ProfitLossFromOperatingActivities | 124,441,000 | 2025-12-31 | 6 | EUR |
CashFlowsFromUsedInFinancingActivities | 121,848,000 | 2025-12-31 | 6 | EUR |
InvestmentProperty | 103,045,000 | 2026-01-01 | 6 | EUR |
OtherEquityInterest | 100,000,000 | 2026-01-01 | 2 | EUR |
SpecialReserveCreatedDueToTheMerger | 97,580,000 | 2024-12-31 | 1 | EUR |
IncreaseDecreaseThroughTransferToStatutoryReserve | 97,580,000 | 2024-12-31 | 1 | EUR |
ReductionOfShareCapitalToCreateASpecialReserve | -97,454,000 | 2024-12-31 | 1 | EUR |
ReductionOfIssuedCapital | 97,454,000 | 2024-12-31 | 1 | EUR |
IssueOfConvertibleInstruments | 96,101,000 | 2025-12-31 | 1 | EUR |
ProceedsFromIssueOfBondsNotesAndDebentures | 96,101,000 | 2025-12-31 | 2 | EUR |
CashFlowsFromUsedInOperationsBeforeChangesInWorkingCapital | 95,274,000 | 2025-12-31 | 6 | EUR |
InterestPaidClassifiedAsOperatingActivities | 91,157,000 | 2025-12-31 | 6 | EUR |
ChangesInEquity | 90,952,000 | 2025-12-31 | 6 | EUR |
PropertyPlantAndEquipment | 86,064,000 | 2026-01-01 | 6 | EUR |
IssuedCapital | 80,901,000 | 2026-01-01 | 6 | EUR |
EmployeeBenefitsExpense | 75,907,000 | 2025-12-31 | 6 | EUR |
PurchaseOfFinancialAssetsMeasuredAtAmortisedCost | 73,194,000 | 2023-12-31 | 4 | EUR |
LoansAndAdvancesToBanks | 68,555,000 | 2026-01-01 | 6 | EUR |
PaymentsToEmployeesAndSuppliers | 67,304,000 | 2023-12-31 | 4 | EUR |
ProfitLossBeforeTax | 64,090,000 | 2025-12-31 | 6 | EUR |
OtherOperatingIncomeExpense | 57,710,000 | 2025-12-31 | 6 | EUR |
FeeAndCommissionIncome | 54,039,000 | 2025-12-31 | 6 | EUR |
ReceiptsFromRoyaltiesFeesCommissionsAndOtherRevenue | 54,039,000 | 2025-12-31 | 6 | EUR |
AdjustmentsForIncreaseDecreaseInDepositsFromFinancialInstitutions | -50,815,000 | 2024-12-31 | 5 | EUR |
GeneralAndAdministrativeExpense | 50,452,000 | 2025-12-31 | 6 | EUR |
IncomeTaxExpenseContinuingOperations | 48,875,000 | 2025-12-31 | 6 | EUR |
OtherCashReceiptsFromOperatingActivities | 44,014,000 | 2025-12-31 | 2 | EUR |
FeeAndCommissionIncomeExpense | 37,194,000 | 2025-12-31 | 6 | EUR |
Repaymentofexistingsubordinatedbondsandissuanceofnewsubordinatedbondloansnetofissuancecosts | 35,709,000 | 2025-12-31 | 2 | EUR |
TerminationBenefitsExpense | 35,040,000 | 2025-12-31 | 6 | EUR |
PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities | 34,438,000 | 2025-12-31 | 6 | EUR |
DeletionOfSharesInTheContextOfTheMerger | -33,969,000 | 2024-12-31 | 1 | EUR |
AdjustmentsForIncreaseDecreaseInOtherLiabilities | -31,626,000 | 2025-12-31 | 6 | EUR |
DepreciationAndAmortisationExpense | 28,362,000 | 2025-12-31 | 6 | EUR |
OtherProvisions | 24,086,000 | 2026-01-01 | 6 | EUR |
ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9 | 21,673,000 | 2025-12-31 | 6 | EUR |
FeeAndCommissionExpense | 16,844,000 | 2025-12-31 | 6 | EUR |
PaymentsRelatingToRoyaltiesFeesAndCommissions | 16,844,000 | 2025-12-31 | 2 | EUR |
ProfitLoss | 15,215,000 | 2025-12-31 | 6 | EUR |
ProfitLossAttributableToOwnersOfParent | 15,215,000 | 2025-12-31 | 6 | EUR |
NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwners | 15,079,000 | 2026-01-01 | 6 | EUR |
FinanceIncomeReceivedClassifiedAsOperatingActivities | 15,042,000 | 2025-12-31 | 4 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsMeasuredAtFairValueThroughProfitOrLoss | -14,233,000 | 2025-12-31 | 2 | EUR |
GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss | 12,810,000 | 2025-12-31 | 5 | EUR |
PaymentsForCommission | -12,623,000 | 2024-12-31 | 2 | EUR |
ComprehensiveIncome | 12,481,000 | 2025-12-31 | 6 | EUR |
ComprehensiveIncomeAttributableToOwnersOfParent | 12,481,000 | 2025-12-31 | 2 | EUR |
RetainedEarnings | 11,617,000 | 2026-01-01 | 6 | EUR |
ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities | 11,174,000 | 2024-12-31 | 2 | EUR |
PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities | 9,963,000 | 2025-12-31 | 4 | EUR |
OtherCashPaymentsFromOperatingActivities | 8,889,000 | 2023-12-31 | 4 | EUR |
ShareIssueRelatedCost | 8,400,000 | 2024-12-31 | 4 | EUR |
ShareCapitalIncreaseExpenses | 8,400,000 | 2024-12-31 | 5 | EUR |
AdjustmentsForDecreaseIncreaseInOtherAssets | 7,649,000 | 2025-12-31 | 6 | EUR |
RecognisedLiabilitiesDefinedBenefitPlan | 7,072,000 | 2026-01-01 | 6 | EUR |
GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading | 6,310,000 | 2024-12-31 | 2 | EUR |
InterestPayableToTheHoldersOfTheAdditionalTier1At1CapitalInstrument | -5,188,000 | 2025-12-31 | 1 | EUR |
ProvisionsForEmployeeBenefits | 5,100,000 | 2024-01-01 | 2 | EUR |
MaturityOfFinancialAssetsMeasuredAtAmortisedCost | 4,936,000 | 2023-12-31 | 4 | EUR |
InvestmentsInAssociates | 4,034,000 | 2026-01-01 | 6 | EUR |
DepreciationAndAmortisationOfIntangibleAssets | -3,896,000 | 2025-12-31 | 3 | EUR |
RentsPaid | 3,836,000 | 2022-12-31 | 2 | EUR |
GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax | -3,641,000 | 2025-12-31 | 6 | EUR |
AdjustmentsForLossesGainsOnDisposalOfNoncurrentAssets | 3,394,000 | 2024-12-31 | 5 | EUR |
OtherIncomeReceivedClassifiedAsOperatingActivities | 3,376,000 | 2022-12-31 | 3 | EUR |
TradingIncomeExpense | 3,174,000 | 2025-12-31 | 4 | EUR |
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss | 2,855,000 | 2025-12-31 | 6 | EUR |
IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | 2,810,000 | 2023-12-31 | 4 | EUR |
OtherComprehensiveIncomeBeforeTaxGainsLossesOnRevaluation | 2,789,000 | 2025-12-31 | 3 | EUR |
OtherComprehensiveIncome | -2,734,000 | 2025-12-31 | 6 | EUR |
GainsLossesArisingFromDifferenceBetweenPreviousCarryingAmountAndFairValueOfFinancialAssetsReclassifiedAsMeasuredAtFairValue | -2,726,000 | 2021-12-31 | 2 | EUR |
PurchaseOfAndProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities | 2,218,000 | 2025-12-31 | 2 | EUR |
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome | -2,054,000 | 2025-12-31 | 3 | EUR |
OtherShorttermEmployeeBenefits | 2,000,000 | 2023-12-31 | 2 | EUR |
LossOnWriteOffsOfFixedAssets | -1,030,000 | 2024-12-31 | 2 | EUR |
PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod | 979,000 | 2025-12-31 | 5 | EUR |
ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod | 945,000 | 2025-12-31 | 6 | EUR |
DividendsReceivedClassifiedAsOperatingActivities | 818,000 | 2025-12-31 | 6 | EUR |
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss | -801,000 | 2025-12-31 | 6 | EUR |
LossesOnDisposalsOfPropertyPlantAndEquipment | 688,000 | 2025-12-31 | 2 | EUR |
GainsLossesOnDisposalsOfInvestments | -566,000 | 2022-12-31 | 3 | EUR |
ShareCapitalIncreaseTaxRefund2021 | 384,000 | 2024-12-31 | 1 | EUR |
OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans | 222,000 | 2025-12-31 | 3 | EUR |
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss | 215,000 | 2023-12-31 | 4 | EUR |
GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset | -172,000 | 2025-12-31 | 6 | EUR |
DerivativeFinancialAssets | 152,000 | 2026-01-01 | 6 | EUR |
CancellationOfTreasuryShares | -97,000 | 2021-12-31 | 1 | EUR |
IncomeTaxesPaidRefundClassifiedAsOperatingActivities | 80,000 | 2025-12-31 | 6 | EUR |
IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings | -50,000 | 2025-12-31 | 1 | EUR |
IncreaseDecreaseDueToChangesInPriorPeriod | 50,000 | 2025-12-31 | 1 | EUR |
IncreaseDecreaseThroughDisposalOfSubsidiary | 48,000 | 2021-12-31 | 2 | EUR |
IncreaseDecreaseThroughExerciseOfWarrantsEquity | -22,000 | 2023-12-31 | 3 | EUR |
IncreaseDecreaseDueToChangeInIncomeTax | -11,000 | 2025-12-31 | 1 | EUR |
IssueOfEquity | 1,000 | 2025-12-31 | 5 | EUR |
ProceedsFromIssueOfOrdinaryShares | 1,000 | 2025-12-31 | 4 | EUR |
BasicAndDilutedEarningsLossPerShare | -407 | 2021-12-31 | 2 | EUR/shares |
DilutedEarningsLossPerShare | 0 | 2025-12-31 | 5 | EUR/shares |
ProceedsFromTransferActivity | 0 | 2022-12-31 | 3 | EUR |
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax | 0 | 2025-12-31 | 6 | EUR |
InvestmentsInSubsidiaries | 0 | 2026-01-01 | 6 | EUR |
IncreaseDecreaseOfReserveDueToChangeOfActuarialPlan | 0 | 2020-12-31 | 1 | EUR |
ReductionOfIssuedCapitalForCreationOfSpecialReserve | 0 | 2022-12-31 | 2 | EUR |
SpecialReserveForIncomeTaxLaw | 0 | 2023-12-31 | 3 | EUR |
ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod | 0 | 2021-12-31 | 2 | EUR |
ProceedsFromSalesOfInterestsInAssociates | 0 | 2023-12-31 | 4 | EUR |
ShareCapitalIncrease | 0 | 2022-12-31 | 3 | EUR |
DerivativeFinancialLiabilities | 0 | 2026-01-01 | 5 | EUR |
ReturnOfDeferredTaxCreditToGreekState | 0 | 2024-12-31 | 4 | EUR |
ProceedsFromExerciseOfWarrants | 0 | 2024-12-31 | 4 | EUR |
IncomeTaxesPaidRefundClassifiedAsFinancingActivities | 0 | 2024-12-31 | 4 | EUR |
OtherExpensesInTheContextOfTheMerger | 0 | 2025-12-31 | 3 | EUR |
ProfitLossAttributableToNoncontrollingInterests | 0 | 2024-12-31 | 2 | EUR |
RepossessedPropertiesAcquiredFromAuctions | 0 | 2026-01-01 | 3 | EUR |
CashFlowsFromAbsorbingCretaBank | 0 | 2025-12-31 | 3 | EUR |
RefundShareCapitalIncreaseExpenses | 0 | 2025-12-31 | 3 | EUR |
IncreaseDecreaseThroughAppropriationOfRetainedEarnings | 0 | 2025-12-31 | 1 | EUR |
PaymentsForShareIssueCosts | 0 | 2025-12-31 | 2 | EUR |
What to be careful about
What this model itself distrusts about CREDIA.AT's figures. Written by the derivation as it ran, not added afterwards.
- no revenue found in XBRL
- operating income is annual, not TTM
- no current stock compensation tagged; treated as zero, so owner earnings are overstated
- no usable diluted share count, so growth is measured on total revenue rather than per share; a company issuing shares to fund that growth reads better than it is
- forward EPS growth +223.9% is analyst consensus, not a filing: consensus 2027 EPS 0.08 against trailing 0.01, over 2 year(s), from 2 analysts (taken 2026-10-25)
- quality DROPPED from the total: only 1 of 5 inputs could be computed (operating margin, sbc discipline, owner earnings, cash operating margin not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- durability DROPPED from the total: only 0 of 4 inputs could be computed (worst year, contracted coverage, gross margin stability, cash flow stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- resilience rests on 2 of 3 inputs; not tagged: liquidity
- growth DROPPED from the total: only 0 of 4 inputs could be computed (revenue growth, sustained growth, margin trend, margin recent not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- 3 of 5 dimensions could not be measured (quality, durability, growth -- 60% of the model), so this row is not comparable with the others; its total rests on what was left