Is OPTIMA.AT overvalued or undervalued?

OPTIMA.AT currently has a P/E ratio of 16.03. Relative to the sector average of 12.00, this suggests the stock may be overvalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy Optima bank S.A. stock?

Optima bank S.A. trades on ATH. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of OPTIMA.AT?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying OPTIMA.AT protect my money against local inflation?

Many investors in Latin America buy international stocks like OPTIMA.AT to protect their purchasing power. Because OPTIMA.AT is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy OPTIMA.AT shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is OPTIMA.AT a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well OPTIMA.AT diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocksOPTIMA.AT

Optima bank S.A.

€13.95-€0.49-3.39%

ATH / EUR

Market cap

€3.1B

P/E

16.0

EPS (TTM)

€1.03

Dividend yield

1.65%

Beta

0.84

1Y return

+60.71%

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Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$54M2021

$103M2022

$202M2023

$242M2024

$185M2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity0.84Low
Current ratio4.12
Cash ratio4.12
Net margin91.9%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

OPTIMA.AT16.0
Financial Services sector median12.0
S&P 50022.0

Trades about 34% above its sector, the market expects faster growth.

Ratios

PEG0.61
Price to book3.86
EPS (TTM)€1.03
Payout ratio2,632%
FCF yield11.21%

Range & risk

€7.52€15.93

Trading in the upper third of its 52-week band

Beta0.84

Profile

What Optima bank S.A. actually does

Optima bank S.A. provides banking, brokerage, and investment banking services in Greece. The company offers accounts for individuals and businesses; deposit accounts; housing loans and working capital finance; bond loans and factoring services; and investment products. It also provides bills of lading and letters of guarantee; debit and credit cards; payment and fund transfer processing services; private banking services; investment and stock exchange services; portfolio management services; and investment banking services, including mergers and acquisitions, equity capital markets, and corporate finance advisory services. The company was formerly known as Investment Bank of Greece S.A. and changed its name to Optima bank S.A. in August 2019. Optima bank S.A. was founded in 2000 and is based in Marousi, Greece.

CEO

Dimitrios Kyparissis

Employees

663

Headquarters

Marousi, GI

Founded

2023-10-04

Company website

If you had invested a decade ago

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Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

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Q&A

Questions people ask

OPTIMA.AT has a beta of 0.84, which indicates how sensitive it has historically been to movements in its broader market. A beta below 1 indicates lower relative volatility than the market. Beta is based on historical data and does not predict future performance.

Optima bank S.A.