By Helgi Library - May 1, 2018
Getin Holding's loans reached PLN 18,383 mil in the 2017, up from PLN 12,747 mil compared to the previous year. Histori...
By Helgi Library - May 1, 2018
Getin Holding's loans reached PLN 18,383 mil in the 2017, up from PLN 12,747 mil compared to the previous year. Histori...
By Helgi Library - May 1, 2018
Getin Holding stock traded at PLN 1.38 per share at the end of 2017 implying a market capitalization of USD 295 mil. Since the end of 2...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | PLN mil | 581 | 841 | 960 |
| Net Fee Income | PLN mil | 442 | 434 | 392 |
| Other Income | PLN mil | 141 | 294 | 261 |
| Total Revenues | PLN mil | 1,164 | 1,569 | 1,613 |
| Staff Cost | PLN mil | 414 | 395 | 406 |
| Operating Profit | PLN mil | 311 | 742 | 775 |
| Provisions | PLN mil | 273 | 271 | 373 |
| Net Profit | PLN mil | 127 | 259 | 183 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | PLN mil | 518 | 536 | 298 |
| Customer Loans | PLN mil | 9,372 | 11,571 | 17,184 |
| Total Assets | PLN mil | 23,164 | 25,845 | 28,204 |
| Shareholders' Equity | PLN mil | 2,717 | 3,236 | 3,526 |
| Interbank Borrowing | PLN mil | 1,336 | 994 | 1,313 |
| Customer Deposits | PLN mil | 14,660 | 17,710 | 19,692 |
| Issued Debt Securities | PLN mil | 1,382 | 957 | 940 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 4.75 | 8.70 | 5.43 |
| ROA | % | 0.586 | 1.06 | 0.679 |
| Costs (As % Of Assets) | % | 3.94 | 3.38 | 3.10 |
| Costs (As % Of Income) | % | 73.3 | 52.7 | 51.9 |
| Capital Adequacy Ratio | % | ... | ... | 9.79 |
| Net Interest Margin | % | 2.68 | 3.43 | 3.55 |
| Loans (As % Of Deposits) | % | 63.9 | 65.3 | 87.3 |
| NPLs (As % Of Loans) | % | 14.8 | 16.2 | 9.74 |
| Provisions (As % Of NPLs) | % | 64.6 | 56.9 | 66.9 |
| Valuation | 2015 | 2016 | 2017 | |
| Price/Earnings (P/E) | 6.98 | 2.94 | 5.61 | |
| Price/Book Value (P/BV) | 0.328 | 0.235 | 0.297 | |
| Dividend Yield | % | 0 | 0 | 0 |
| Earnings Per Share (EPS) | 0.175 | 0.354 | 0.246 | |
| Book Value Per Share | 3.72 | 4.42 | 4.64 | |
| Dividend Per Share | 0 | 0 | 0 | |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||
| Net Interest Income | PLN mil | 1,708 | 443 | 596 | 720 | 581 | |||||||||
| Total Revenues | PLN mil | 3,738 | 1,420 | 1,120 | 1,456 | 1,164 | |||||||||
| Operating Profit | PLN mil | 2,514 | 844 | 443 | 581 | 311 | |||||||||
| Net Profit | PLN mil | 976 | 580 | 246 | 174 | 127 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | PLN mil | 197 | 863 | 286 | 560 | 518 | |||||||||
| Customer Loans | PLN mil | 2,150 | 4,306 | 6,262 | 8,246 | 9,372 | |||||||||
| Debt Securities | PLN mil | 482 | 953 | 1,731 | 2,743 | 3,111 | |||||||||
| Total Assets | PLN mil | 61,800 | 9,760 | 13,347 | 20,124 | 23,164 | |||||||||
| Shareholders' Equity | PLN mil | 6,233 | 1,996 | 2,239 | 2,619 | 2,717 | |||||||||
| Interbank Borrowing | PLN mil | 672 | 1,539 | 2,012 | 1,701 | 1,336 | |||||||||
| Customer Deposits | PLN mil | 2,595 | 5,147 | 7,422 | 12,737 | 14,660 | |||||||||
| Issued Debt Securities | PLN mil | 122 | 480 | 878 | 1,723 | 1,382 | |||||||||
| ratios | |||||||||||||||
| ROE | % | 17.5 | 14.1 | 11.6 | 7.16 | 4.75 | |||||||||
| ROA | % | 1.80 | 1.62 | 2.13 | 1.04 | 0.586 | |||||||||
| Costs (As % Of Assets) | % | 2.25 | 1.61 | 5.86 | 5.23 | 3.94 | |||||||||
| Costs (As % Of Income) | % | 32.7 | 40.5 | 60.5 | 60.1 | 73.3 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 9.88 | ... | ... | ... | ... | ... | ||
| Net Interest Margin | % | 3.14 | 1.24 | 5.16 | 4.30 | 2.68 | |||||||||
| Interest Income (As % Of Revenues) | % | 45.7 | 31.2 | 53.2 | 49.4 | 49.9 | |||||||||
| Fee Income (As % Of Revenues) | % | 15.4 | 18.8 | 36.6 | 29.2 | 38.0 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 42.9 | 48.8 | 48.9 | 48.8 | 48.5 | |||||||||
| Equity (As % Of Assets) | % | 10.1 | 20.5 | 16.8 | 13.0 | 11.7 | |||||||||
| Loans (As % Of Deposits) | % | 82.9 | 83.7 | 84.4 | 64.7 | 63.9 | |||||||||
| Loans (As % Assets) | % | 3.48 | 44.1 | 46.9 | 41.0 | 40.5 | |||||||||
| NPLs (As % Of Loans) | % | 6.16 | 6.28 | 11.7 | 11.7 | 14.8 | |||||||||
| Provisions (As % Of NPLs) | % | 71.0 | 65.2 | 58.9 | 59.7 | 64.6 | |||||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | 645 | 654 | 918 | 379 | 227 | |||||||||
| Number Of Shares (Average) | mil | 728 | 733 | 734 | 721 | 726 | |||||||||
| Share Price (End Of Period) | PLN | 3.05 | 2.76 | 3.77 | 1.86 | 1.22 | |||||||||
| Earnings Per Share (EPS) | 1.34 | 0.792 | 0.336 | 0.241 | 0.175 | ||||||||||
| Book Value Per Share | 8.56 | 2.72 | 3.05 | 3.63 | 3.72 | ||||||||||
| Dividend Per Share | 0 | 0.103 | 0.005 | 0 | 0 | ||||||||||
| Price/Earnings (P/E) | 2.27 | 3.49 | 11.2 | 7.71 | 6.98 | ||||||||||
| Price/Book Value (P/BV) | 0.356 | 1.01 | 1.24 | 0.512 | 0.328 | ||||||||||
| Dividend Yield | % | 0 | 3.72 | 0.123 | 0 | 0 | |||||||||
| Earnings Per Share Growth | % | ... | 127 | -41.0 | -57.6 | -28.1 | -27.6 | ||||||||
| Book Value Per Share Growth | % | ... | 23.5 | -68.2 | 12.0 | 19.1 | 2.29 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||
| Interest Income | PLN mil | 4,151 | 1,048 | 1,439 | 1,621 | 1,450 | |||||||||
| Interest Cost | PLN mil | 2,444 | 605 | 843 | 901 | 869 | |||||||||
| Net Interest Income | PLN mil | 1,708 | 443 | 596 | 720 | 581 | |||||||||
| Net Fee Income | PLN mil | 577 | 267 | 410 | 426 | 442 | |||||||||
| Other Income | PLN mil | 1,453 | 711 | 114 | 311 | 141 | |||||||||
| Total Revenues | PLN mil | 3,738 | 1,420 | 1,120 | 1,456 | 1,164 | |||||||||
| Staff Cost | PLN mil | 524 | 281 | 331 | 427 | 414 | |||||||||
| Depreciation | PLN mil | 78.4 | 35.0 | 50.3 | 63.7 | 66.6 | |||||||||
| Other Cost | PLN mil | 620 | 260 | 296 | 384 | 373 | |||||||||
| Operating Cost | PLN mil | 1,223 | 576 | 678 | 875 | 853 | |||||||||
| Operating Profit | PLN mil | 2,514 | 844 | 443 | 581 | 311 | |||||||||
| Provisions | PLN mil | 1,249 | 57.2 | 165 | 239 | 273 | |||||||||
| Extra and Other Cost | PLN mil | -10.7 | 0 | 0 | 0.012 | -31.8 | |||||||||
| Pre-Tax Profit | PLN mil | 1,276 | 787 | 278 | 342 | 69.6 | |||||||||
| Tax | PLN mil | 165 | 174 | 3.03 | 82.2 | -79.5 | |||||||||
| Minorities | PLN mil | 134 | 32.6 | 28.6 | 85.9 | 129 | |||||||||
| Net Profit | PLN mil | 976 | 580 | 246 | 174 | 127 | |||||||||
| Dividends | PLN mil | 0 | 75.3 | 3.39 | 0 | 0 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 34.1 | -74.1 | 34.8 | 20.6 | -19.3 | ||||||||
| Net Fee Income Growth | % | ... | 0.201 | -53.8 | 53.7 | 3.85 | 3.91 | ||||||||
| Total Revenue Growth | % | ... | 53.3 | -62.0 | -21.1 | 30.0 | -20.1 | ||||||||
| Operating Cost Growth | % | ... | 31.7 | -52.9 | 17.7 | 29.1 | -2.47 | ||||||||
| Operating Profit Growth | % | ... | 66.5 | -66.4 | -47.6 | 31.3 | -46.6 | ||||||||
| Pre-Tax Profit Growth | % | ... | 163 | -38.3 | -64.7 | 23.0 | -79.6 | ||||||||
| Net Profit Growth | % | ... | 132 | -40.6 | -57.5 | -29.4 | -27.1 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 6.53 | 2.43 | 2.02 | 2.53 | 2.09 | |||||||||
| Market Share in Net Profit | % | 6.28 | 3.75 | 1.62 | 1.10 | 1.13 | |||||||||
| Market Share in Employees | % | ... | ... | 5.62 | 3.13 | 4.05 | 4.62 | 4.39 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||
| Cash | PLN mil | 152 | 279 | 501 | 759 | 981 | |||||||||
| Interbank Loans | PLN mil | 197 | 863 | 286 | 560 | 518 | |||||||||
| Customer Loans | PLN mil | 2,150 | 4,306 | 6,262 | 8,246 | 9,372 | |||||||||
| Retail Loans | PLN mil | 1,308 | 1,425 | 2,026 | 1,984 | 1,023 | |||||||||
| Mortgage Loans | PLN mil | ... | ... | 284 | 2.35 | 5.84 | 4.88 | 4.54 | |||||||
| Consumer Loans | PLN mil | ... | ... | 358 | 1,331 | 1,895 | 1,384 | 675 | |||||||
| Corporate Loans | PLN mil | 853 | 2,881 | 4,236 | 6,261 | 8,350 | |||||||||
| Debt Securities | PLN mil | 482 | 953 | 1,731 | 2,743 | 3,111 | |||||||||
| Fixed Assets | PLN mil | 369 | 673 | 797 | 1,290 | 988 | |||||||||
| Total Assets | PLN mil | 61,800 | 9,760 | 13,347 | 20,124 | 23,164 | |||||||||
| Shareholders' Equity | PLN mil | 6,233 | 1,996 | 2,239 | 2,619 | 2,717 | |||||||||
| Of Which Minority Interest | PLN mil | 598 | 167 | 190 | 609 | 940 | |||||||||
| Liabilities | PLN mil | 55,567 | 7,764 | 11,108 | 17,506 | 20,447 | |||||||||
| Interbank Borrowing | PLN mil | 672 | 1,539 | 2,012 | 1,701 | 1,336 | |||||||||
| Customer Deposits | PLN mil | 2,595 | 5,147 | 7,422 | 12,737 | 14,660 | |||||||||
| Retail Deposits | PLN mil | 2,328 | 4,379 | 5,925 | 11,020 | 12,650 | |||||||||
| Corporate Deposits | PLN mil | 250 | 761 | 1,483 | 1,682 | 2,004 | |||||||||
| Sight Deposits | PLN mil | 159 | 448 | 981 | 2,055 | 1,683 | |||||||||
| Term Deposits | PLN mil | 2,431 | 4,698 | 6,441 | 10,656 | 12,977 | |||||||||
| Issued Debt Securities | PLN mil | 122 | 480 | 878 | 1,723 | 1,382 | |||||||||
| Other Liabilities | PLN mil | 52,178 | 598 | 797 | 1,345 | 3,069 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | PLN mil | 139 | 282 | 788 | 1,035 | 1,535 | |||||||||
| Gross Loans | PLN mil | 2,259 | 4,490 | 6,726 | 8,864 | 10,364 | |||||||||
| Total Provisions | PLN mil | 98.7 | 184 | 464 | 618 | 992 | |||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | -93.6 | 100 | 45.4 | 31.7 | 13.7 | ||||||||
| Retail Loan Growth | % | ... | -95.9 | 8.98 | 42.1 | -2.04 | -48.5 | ||||||||
| Mortgage Loan Growth | % | ... | ... | ... | -98.9 | -99.2 | 149 | -16.5 | -6.95 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | -85.6 | 271 | 42.4 | -27.0 | -51.2 | ||||||
| Corporate Loan Growth | % | ... | -38.5 | 238 | 47.0 | 47.8 | 33.4 | ||||||||
| Total Asset Growth | % | ... | 31.9 | -84.2 | 36.7 | 50.8 | 15.1 | ||||||||
| Shareholders' Equity Growth | % | ... | 26.3 | -68.0 | 12.2 | 17.0 | 3.77 | ||||||||
| Customer Deposit Growth | % | ... | -93.1 | 98.3 | 44.2 | 71.6 | 15.1 | ||||||||
| Retail Deposit Growth | % | ... | -92.7 | 88.1 | 35.3 | 86.0 | 14.8 | ||||||||
| Corporate Deposit Growth | % | ... | -93.8 | 204 | 95.0 | 13.4 | 19.1 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 0.237 | 0.461 | 0.646 | 0.793 | 0.842 | |||||||||
| Market Share in Corporate Loans | % | 0.323 | 1.06 | 1.52 | 2.08 | 2.56 | |||||||||
| Market Share in Retail Loans | % | 0.247 | 0.268 | 0.367 | 0.339 | 0.164 | |||||||||
| Market Share in Consumer Loans | % | ... | ... | 0.167 | 0.629 | 0.866 | 0.594 | 0.273 | |||||||
| Market Share in Mortgage Loans | % | ... | ... | 0.090 | < 0.001 | 0.002 | 0.001 | 0.001 | |||||||
| Market Share in Total Assets | % | 4.89 | 0.741 | 0.972 | 1.34 | 1.48 | |||||||||
| Market Share in Customer Deposits | % | 0.288 | 0.556 | 0.762 | 1.22 | 1.32 | |||||||||
| Market Share in Retail Deposits | % | 0.527 | 0.913 | 1.17 | 1.98 | 2.07 | |||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | 0.098 | 0.315 | 0.559 | 0.577 | 0.623 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||
| ROE | % | 17.5 | 14.1 | 11.6 | 7.16 | 4.75 | |||||||||
| ROA | % | 1.80 | 1.62 | 2.13 | 1.04 | 0.586 | |||||||||
| Costs (As % Of Assets) | % | 2.25 | 1.61 | 5.86 | 5.23 | 3.94 | |||||||||
| Costs (As % Of Income) | % | 32.7 | 40.5 | 60.5 | 60.1 | 73.3 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 9.88 | ... | ... | ... | ... | ... | ||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Net Interest Margin | % | 3.14 | 1.24 | 5.16 | 4.30 | 2.68 | |||||||||
| Interest Spread | % | ... | 2.63 | 1.02 | 3.53 | 3.39 | 2.12 | ||||||||
| Asset Yield | % | 7.64 | 2.93 | 12.5 | 9.68 | 6.70 | |||||||||
| Cost Of Liabilities | % | ... | 5.01 | 1.91 | 8.93 | 6.30 | 4.58 | ||||||||
| Payout Ratio | % | 0 | 13.0 | 1.38 | 0 | 0 | |||||||||
| Interest Income (As % Of Revenues) | % | 45.7 | 31.2 | 53.2 | 49.4 | 49.9 | |||||||||
| Fee Income (As % Of Revenues) | % | 15.4 | 18.8 | 36.6 | 29.2 | 38.0 | |||||||||
| Other Income (As % Of Revenues) | % | 38.9 | 50.0 | 10.2 | 21.4 | 12.1 | |||||||||
| Cost Per Employee | USD per month | ... | ... | 1,486 | 1,315 | 1,237 | 1,362 | 1,237 | |||||||
| Cost Per Employee (Local Currency) | PLN per month | ... | ... | 4,405 | 4,280 | 3,909 | 4,464 | 4,602 | |||||||
| Staff Cost (As % Of Total Cost) | % | 42.9 | 48.8 | 48.9 | 48.8 | 48.5 | |||||||||
| Equity (As % Of Assets) | % | 10.1 | 20.5 | 16.8 | 13.0 | 11.7 | |||||||||
| Loans (As % Of Deposits) | % | 82.9 | 83.7 | 84.4 | 64.7 | 63.9 | |||||||||
| Loans (As % Assets) | % | 3.48 | 44.1 | 46.9 | 41.0 | 40.5 | |||||||||
| NPLs (As % Of Loans) | % | 6.16 | 6.28 | 11.7 | 11.7 | 14.8 | |||||||||
| Provisions (As % Of NPLs) | % | 71.0 | 65.2 | 58.9 | 59.7 | 64.6 | |||||||||
| Provisions (As % Of Loans) | % | 4.59 | 4.27 | 7.42 | 7.50 | 10.6 | |||||||||
| Cost of Provisions (As % Of Loans) | % | 7.01 | 1.77 | 3.11 | 3.30 | 3.10 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||
| Employees | ... | ... | 9,921 | 5,474 | 7,062 | 7,979 | 7,500 | ||||||||
| Sight (As % Of Customer Deposits) | % | 6.13 | 8.71 | 13.2 | 16.1 | 11.5 |
Get all company financials in excel:
By Helgi Library - May 1, 2018
Getin Holding stock traded at PLN 1.38 per share at the end of 2017 implying a market capitalization of USD 295 mil. Since the end of 2012, the stock has depreciated by -50.0 % implying an annual average growth of -12.9 %. In absolute terms, the value of the company ...
By Helgi Library - May 1, 2018
Getin Holding made a net profit of PLN 183 mil under revenues of PLN 1,613 mil in 2017, up -29.2% and 2.79% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of PLN 976 mil in 2011 and an all time low of PLN 22.1...
By Helgi Library - May 1, 2018
Getin Holding made a net profit of PLN 183 mil under revenues of PLN 1,613 mil in 2017, up -29.2% and 2.79% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of PLN 976 mil in 2011 and an all time low of PLN 22.1...
By Helgi Library - May 1, 2018
Getin Holding's non-performing loans reached 9.74% of total loans at the end of 2017, down from 16.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 29.7% in 2004 and an all time low of 4.63% in 2008. Provision coverage a...
By Helgi Library - May 1, 2018
Getin Holding's non-performing loans reached 9.74% of total loans at the end of 2017, down from 16.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 29.7% in 2004 and an all time low of 4.63% in 2008. Provision coverage a...
By Helgi Library - May 1, 2018
Getin Holding stock traded at PLN 1.38 per share at the end 2017 implying a market capitalization of USD 295 mil. Since the end of 2012, the stock has depreciated by -50.0 % implying an annual average growth of -12.9 %. In absolute terms, the value of the company ...
By Helgi Library - May 1, 2018
Getin Holding stock traded at PLN 1.38 per share at the end 2017 implying a market capitalization of USD 295 mil. Since the end of 2012, the stock has depreciated by -50.0 % implying an annual average growth of -12.9 %. In absolute terms, the value of the company ...
By Helgi Library - May 1, 2018
Getin Holding's net interest margin amounted to 3.55% in 2017, up from 3.43% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 5.16% in 2013 and an all time low of 1.24% in 2012. The average margin i...
By Helgi Library - May 1, 2018
Getin Holding's net interest margin amounted to 3.55% in 2017, up from 3.43% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 5.16% in 2013 and an all time low of 1.24% in 2012. The average margin i...
By Helgi Library - May 1, 2018
Getin Holding generated total banking revenues of PLN 1,613 mil in 2017, up 2.79% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of PLN 3,738 mil in 2011 and an...
Getin Holding SA is a Poland-based financial holding. The Group established by Dr Leszek Czarnecki operates in banking, financial intermediation, insurance and leasing sectors. The Holding's banks specialize in cash loans, car loans, and services targeted at small and medium-sized enterprises. Getin Holding invests in ventures on the markets of Central and Eastern Europe, where it controls five banks and three lease companies. Among the Company’s brands are Idea Bank Polska, Tax Care, Idea Expert, MW Trade, Idea Leasing, Carcade, Kuban Bank, Idea Bank Ukraine and Idea Bank Belarus. The Company is operational in Poland, Ukraine, Belarus and the Russian Federation
Getin Holding has been growing its revenues and asset by 0.800% and 4.03% a year on average in the last 10 years. Its loans and deposits have grown by 4.43% and 6.59% a year during that time and loans to deposits ratio reached 87.3% at the end of 2017. The company achieved an average return on equity of 10.0% in the last decade with net profit growing -11.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.9% in 2017, compared to 49.4% average in the last decade.
Equity represented 12.5% of total assets or 20.5% of loans at the end of 2017. Getin Holding's non-performing loans were 9.74% of total loans while provisions covered some 66.9% of NPLs at the end of 2017.
Getin Holding stock traded at PLN 1.38 per share at the end of 2017 resulting in a market capitalization of USD 295 mil. Over the previous five years, stock price fell by 50% or 12.9% a year on average. That’s compared to an average ROE of 7.54% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.61x and price to book value (PBV) of 0.297x in 2017.
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