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Stellar Bancorp, Inc.

جودة البيانات: 100%
STEL
NYSE Financial Services Banks - Regional
KWD 36.25
▲ KWD 0.11 (0.30%)
القيمة السوقية: 1.84B
نطاق اليوم
KWD 35.79 KWD 36.70
نطاق 52 أسبوعًا
KWD 24.13 KWD 40.21
حجم التداول
150,933
متوسط 50 يوم / 200 يوم
KWD 36.18 / KWD 31.69
الإغلاق السابق
KWD 36.14

تاريخ السعر

الاتجاهات المالية

مقارنة الأقران

مقابل وسيط قطاع Financial Services (854 نظير)

المقياس السهم وسيط القطاع
P/E 17.9 10.3
P/B 1.1 1.1
ROE % 6.3 11.7
Net Margin % 17.3 16.8
Rev Growth 5Y % 22.9 11.7
D/E 0.0 0.5

السعر المستهدف للمحللين

Hold
KWD 32.000 -11.7%
مكرر الربحية المستقبلي
16.7
ربحية السهم المستقبلية
KWD 2.160
نمو ربحية السهم (تقدير)
+0.0%
الإيرادات المقدّرة
450 M

تقديرات الأرباح

الفترة تقدير ربحية السهم تقدير الإيرادات المحللون
FY2027 KWD 2.375
KWD 2.292 – KWD 2.451
470 M 3
FY2026 KWD 2.160
KWD 2.086 – KWD 2.224
450 M 2

النقاط الرئيسية

Revenue grew 22.85% annually over 5 years — strong growth
Earnings declined -10.55% over the past year
Net margin of 17.25% shows strong profitability
Debt/Equity of 0.02 — conservative balance sheet
Generating 92.61M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 27.52%

النمو

Revenue Growth (5Y)
22.85%
Revenue (1Y)-4.67%
Earnings (1Y)-10.55%
FCF Growth (3Y)-24.24%

الجودة

Return on Equity
6.28%
ROIC5.61%
Net Margin17.25%
Op. Margin21.43%

الأمان

Debt / Equity
0.02
Current Ratio31.79
Interest Coverage0.74

التقييم

P/E Ratio
17.89
P/B Ratio1.10
EV/EBITDA11.44
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -4.67% Revenue Growth (3Y) -1.57%
Earnings Growth (1Y) -10.55% Earnings Growth (3Y) -11.21%
Revenue Growth (5Y) 22.85% Earnings Growth (5Y) 5.98%
Profitability
Revenue (TTM) 596.26M Net Income (TTM) 102.87M
ROE 6.28% ROA 0.95%
Gross Margin 69.31% Operating Margin 21.43%
Net Margin 17.25% Free Cash Flow (TTM) 92.61M
ROIC 5.61% FCF Growth (3Y) -24.24%
Safety
Debt / Equity 0.02 Current Ratio 31.79
Interest Coverage 0.74 Dividend Yield 0.02%
Valuation
P/E Ratio 17.89 P/B Ratio 1.10
P/S Ratio 3.09 PEG Ratio -2.09
EV/EBITDA 11.44 Dividend Yield 0.02%
Market Cap 1.84B Enterprise Value 1.46B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 596.26M 625.45M 615.38M 343.35M 261.75M
Net Income 102.87M 115.00M 130.50M 51.43M 81.55M
EPS (Diluted) 1.99 2.15 2.45 1.47 2.82
Gross Profit 413.25M 433.92M 452.38M 258.60M 239.45M
Operating Income 127.78M 144.96M 161.88M 62.52M 99.89M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 10.81B 10.91B 10.65B 10.90B 7.10B
Total Liabilities 9.14B 9.30B 9.13B 9.52B 6.29B
Shareholders' Equity 1.67B 1.61B 1.52B 1.38B 816.47M
Total Debt 40.23M 70.11M 159.77M 173.29M 212.95M
Cash & Equivalents 419.45M 911.22M 399.24M 371.71M 757.51M
Current Assets 130.20M 2.13B 1.84B 2.22B 2.56B
Current Liabilities 4.09M 9.15B 8.88B 9.27B 6.05B