GRÁNIT Bank/Ft GRANIT
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About GRÁNIT Bank
GRÁNIT Bank is a financial institution based in Budapest, Hungary, operating within the banking industry. The bank provides a range of services including retail and corporate banking, with a focus on digital solutions and innovative financial products. Since its establishment in 2010, GRÁNIT Bank has emphasized digital transformation, offering online and mobile banking services to enhance customer experience and operational efficiency. It serves a predominantly Hungarian clientele, leveraging technology to streamline processes and offer competitive banking solutions. GRÁNIT Bank's strategic positioning is centered around its digital-first approach, aiming to capture a growing market of tech-savvy consumers.
- Ticker
- Ft GRANIT
- Sector
- Finance
- Primary listing
- BUX
- Employees
- 673
- Headquarters
- Budapest, Hungary
- Website
- granitbank.hu
GRÁNIT Bank Metrics
BasicAdvanced
Ft 158.783B
8.19
Ft 1,003
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Price and volume
Market cap
Ft 158.783B
52-week high
Ft 13,350
52-week low
Ft 7,480
Average daily volume
2.6K
Financial strength
Profitability
Net profit margin (TTM)
33.48%
Operating margin (TTM)
41.03%
Effective tax rate (TTM)
9.83%
Revenue per employee (TTM)
Ft 79,070,000
Management effectiveness
Return on assets (TTM)
1.24%
Return on equity (TTM)
16.24%
Valuation
Price to earnings (TTM)
8.192
Price to revenue (TTM)
2.646
Price to book
1.05
Price to tangible book (TTM)
1.22
Price to free cash flow (TTM)
-0.364
Free cash flow yield (TTM)
-274.55%
Free cash flow per share (TTM)
-22,567.873
Growth
Revenue change (TTM)
3.94%
Earnings per share change (TTM)
-18.31%
Bulls say / Bears say
Retail accounts grew 33.6% year on year to more than 320,000 by June, while retail lending rose 60.7%. Record account openings in the second quarter point to a growing customer base. (Gránit Bank)
The digital model supports a lean cost base: the first-half cost-to-income ratio was 41.8%, against a 56.8% banking-sector average. That efficiency could help the bank scale without a comparable rise in operating costs. (Gránit Bank)
The bank reported a 21.6% capital ratio and a 0.6% non-performing loan ratio at mid-year, versus 2.1% for the sector. Its 67.2% loan-to-deposit ratio also points to ample funding headroom. (Gránit Bank)
A HUF 9.4 billion third-quarter loan-loss provision, mostly tied to one customer group, cut preliminary nine-month pre-tax profit from HUF 16.6 billion to HUF 7.2 billion. The charge highlights the earnings impact of a concentrated credit exposure. (Budapest Business Journal, Portfolio.hu)
First-half net profit fell 9.6% year on year, with second-quarter profit down 39.2%; loans and deposits also contracted quarter on quarter. The figures suggest that underlying growth and earnings momentum weakened after a strong first quarter. (Portfolio.hu)
Gránit shares fell from HUF 14,450 in October to HUF 8,780 by the end of June, amid a sell-off in politically linked Hungarian stocks after the April election. That sharp repricing points to meaningful political-perception and sentiment risk for shareholders. (Világgazdaság)
Data summarised monthly by Lightyear AI. Last updated on 21 Oct 2026.
GRÁNIT Bank Financial Performance
Revenues and expenses
Upcoming events
No upcoming events
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by Budapest Stock Exchange.