Stellar Bancorp, Inc. (STEL) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Capitalization, bln $			0.6863	0.8052	0.7495	0.5112	0.6977	1.05	1.31		1.35	0.8637	11.81
Revenue, bln $		0.1153	0.1203	0.1374	0.1529	0.1419	0.1406	0.3093	0.4613	0.6024	0.6024	0.3311	33.53
Net profit, bln $		0.0272	0.0276	0.0473	0.0505	0.0264	0.0356	0.0514	0.1305	0.115	0.115	0.0718	34.22
EV, bln $				0.361	0.475	0.2719	-0.0487	0.8413	1.26	1.1	1.1	0.6849	32.25
EBIT, bln $	0.0426	0.0476	0.0529	0.0698	0.0795	0.0425	0.0564	0.0966	0.1619		0.1274	0.0874	15.29
EBITDA, bln $	0.0475	0.0521	0.0573	0.074	0.0804	0.0433	0.0571	0.1108	0.1964		0.1619	0.0976	19.56
OIBDA $						0.044	0.0562	0.1559	0.2433			0.1248	53.35
Book value, bln $		0.3576	0.4462	0.4876	0.5357	0.5465	0.5621	1.38	1.52	1.61	1.61	1.12	24.12
FCF, bln $		0.0342	0.0346	0.048	0.0536	0.0268	0.0341	0.1053	0.1614	0.1326	0.1326	0.0920	37.68
Operating Cash Flow, bln $		0.036	0.0356	0.0493	0.0561	0.0404	0.0348	0.1091	0.1682	0.1326	0.1326	0.0970	26.83
Operating profit, bln $		0.0476	0.0563	0.0698	0.0795	0.0425	0.0564	0.0966	0.1774	0.5888	0.5888	0.1923	69.17
Operating expenses, bln $		-0.0676	-0.0641	-0.0676	-0.0908	-0.1095	0.1077	0.006	0.4613	0.0136	0.0136	0.0958	-165.89
CAPEX, bln $		0.0019	0.000992	0.0013	0.0025	0.0136	0.000756	0.0038	0.0069	0.0047	0.0047	0.0060	-19.14

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Average for 5 quarters	CAGR 5
Capitalization, bln $	0.651	0.6934	0.7487	0.6945	0.7357	1.08	1.49	1.24	1.22	1.28					1.26	3.46
Revenue, bln $					0.0461	0.1874	0.1233	0.1138	0.1513	0.1128	0.1084	0.1576	0.1518	0.1846	0.1430	10.35
Net profit, bln $					0.0128	0.0021	0.0371	0.0352	0.0309	0.0273	0.0261	0.0298	0.0339	0.0252	0.0285	-1.59
EV, bln $					0.3767	0.8444	1.39	1.4	1.24	1.27	1.17	1.05	1.04	1.1	1.13	-2.83
EBIT, bln $					0.0178	0.0488	0.0716	0.0339	0.0295	0.0338	0.0329	0.0375	0.0427	0.0788	0.0451	18.45
EBITDA, bln $					0.0191	0.059	0.0804	0.0426	0.0384	0.042	0.0411	0.0457	0.0509	0.0544	0.0468	5.31
OIBDA $										0.0486	0.0478	0.0535	0.0597	-0.084	0.0251	-211.57
Book value, bln $					0.5014	1.38	1.45	1.46	1.46	1.52	1.53	1.57	1.63	1.61	1.57	1.16
FCF, bln $					0.0186	0.0669	0.0478	0.0477	0.0358	0.0301	0.0305	0.0371	0.0577	0.0073	0.0325	-24.67
Operating Cash Flow, bln $					0.0189	0.0693	0.049	0.049	0.0389	0.0313	0.0311	0.0381	0.0595	0.0039	0.0328	-34.07
Operating profit, bln $					0.019	0.0699	0.0716	0.0426	0.0384	0.0338	0.0329	0.0375	0.0427	-0.1132	0.0067	-227.35
Operating expenses, bln $					0.0013	0.006	-0.0517	0.0025	0.0019	-0.079	0.0034	0.0257	0.1078	0.108	0.0332	-206.45
CAPEX, bln $					0.000426	0.003	0.0012	0.0012	0.0031	0.0012	0.000564	0.000988	0.0018	0.0034	0.0016	23.16

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Cash, bln $		0.3827	0.3262	0.3821	0.3721	0.538	0.9501	0.3717	0.3992	0.42	0.42	0.5358	-4.83
Short-Term Investments $			0.0006	0.013	0.0533	0.2007	0.3585	1.81	1.4	1.67	1.67	1.09	52.77
Long-Term Investments $				0.243	0.192	0.2205	0.3774	1.81	1.4			0.8000	48.79
Accounts Receivable $							2.84	0.0447	0.0442	0.0379	0.0379	0.7417	-66.01
Total Current Assets $		0.3827	0.3268	0.3821	0.4253	0.538	1.31	2.22	1.56	2.13	2.13	1.55	31.68
Net assets, bln $				2.9	0.4253	0.538	1.31	0.1268	1.82		0.1268	0.8440	33.74
Assets, bln $		2.95	3.08	3.28	3.48	3.95	4.49	10.9	10.65	10.91	10.91	8.18	22.53
Short-Term Debt $		0.0023	0.0015	0.0025	0.0025	0.0018	0.003	0.0046	0.0044		0.0044	0.0033	11.97
Long-Term Debt $				0.0016	0.05	0.05	0.05	0.1094	0.1598	0.0701	0.0701	0.0879	6.99
Liabilities, bln $		2.59	2.63	2.79	0.0657	0.0664	3.92	9.52	9.13	9.3	9.3	6.39	168.70
Net debt, bln $		-0.3483	-0.3195	-0.3805	-0.3064	-0.4716	-0.886	-0.1984	-0.2395	-0.42	-0.42	-0.4431	-2.29
Debt, bln $				0.0016	0.0657	0.0664	0.0641	0.1733	0.1598	0.0701	0.0701	0.1067	1.09
Interest Income $				0.1358	0.1534	0.1387	0.1321	0.323	0.5706			0.2636	30.05
Interest Expense, bln $		0.0084	0.0089	0.0111	0.0174	0.0101	0.0059	0.034	0.1541	0.1944	0.1944	0.0797	80.67
Net interest income, bln $				0.1358	0.1534	0.1387	0.1321	0.323	0.5706		0.5706	0.2636	30.05
Goodwill $	0.081	0.081	0.081	0.081	0.081	0.081	0.081	0.4973	0.4973			0.2475	43.76
Amortization, bln $	0.0049	0.0044	0.0044	0.000985	0.000894	0.000846	0.000738	0.0143	0.0345		0.0345	0.0103	107.63
Cost of production, bln $									-0.1295		-0.1295	-0.1295	0.00
Inventory $				0.00063	0.0083	0.0092	-0.8243	0.4164	0.4435		0.4435	0.0106	121.60

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Average for 5 quarters	CAGR 5
Cash, bln $					0.3704	0.3717	0.2633	0.3041	0.3023	0.3992	0.3997	0.4903	0.5162	0.42	0.4451	1.02
Short-Term Investments $					0.2424	1.81	1.52	1.48	1.41	1.4	1.52	1.63	1.69	1.67	1.58	3.59
Long-Term Investments $	0.3333	0.3774	0.4723	0.4731	0.4447	1.81	1.52	1.48	1.41	1.4					1.52	-5.01
Accounts Receivable $		2.84				0.0447	0.0424	0.0421	0.0435	0.0442	0.0455	0.0433	0.0395	0.0379	0.0421	-3.03
Total Current Assets $					0.6128	2.22	1.82	1.63	1.55	1.84	1.64	0.5361	1.83	2.13	1.60	2.97
Net assets, bln $	0.0651	0.0637	1.04	0.7392	0.6128	2.22	0.1247	0.1191	0.1193						0.6392	-27.91
Assets, bln $					4.27	10.9	10.6	10.78	10.67	10.65	10.73	10.72	10.63	10.91	10.73	0.48
Short-Term Debt $				0.0142	0.0018	0.0639	0.2389	0.0023	0.0012	0.0044	0.2183	0.002	0.000976		0.0454	-4.05
Long-Term Debt $			0.05			0.1094	0.1094	0.1096	0.4336	0.1598	0.3249	0.35	0.1701	0.0701	0.2150	-15.19
Liabilities, bln $					3.77	9.52	9.16	9.32	9.2	9.13	9.2	9.16	9	9.3	9.16	0.37
Net debt, bln $					-0.3567	-0.1984	0.085	0.1754	0.1314	-0.2395	-0.0749	-0.1213	-0.3462	-0.42	-0.2404	11.89
Debt, bln $					0.0137	0.1733	0.3484	0.1119	0.4336	0.1598	0.3249	0.3689	0.1701	0.0701	0.2188	-15.19
Interest Income $	0.0327	0.0322	0.034	0.0361	0.0447	0.2082	0.1404	0.147	0.1513	0.1522					0.1598	-6.07
Interest Expense, bln $					0.0017	0.0298	0.0246	0.0387	0.0445	0.0462	0.0463	0.0508	0.0503	0.0471	0.0481	0.39
Net interest income, bln $		0.0308	0.034	0.0361	0.0447	0.2082	0.1404	0.147	0.1513	0.1522	0.1484				0.1479	1.11
Goodwill $	0.081	0.081	0.081	0.081	0.081	0.4973	0.4973	0.4973	0.4973	0.4973					0.4973	0.00
Amortization, bln $					0.0013	0.0102	0.0087	0.0087	0.0088	0.0082	0.0082	0.0082	0.0081	0.0076	0.0081	-1.51
Cost of production, bln $								-0.0332		0.0332	-0.04	0.0054	0.0063	0.0346	0.0079	0.83
Inventory $	0.0014					-0.4164	-0.3057	0.3461	0.3458	0.4435	0.4452	1.78	0.5557		0.7140	9.95

	Average for 5 quarters	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS		0.76	1.89	2.02	0.9046	1.23	1.47	2.45	2.15		2.15	1.64	18.90
Share price		28.91	32.15	29.89	20.71	28.39	29.46	27.84	28.35	26.89	26.89	28.19	-1.08
Number of shares, mln	22.33	23.74	25.02	25.05	29.14	28.87	35.01	53.31	53.58		53.58	39.98	12.95
FCF/share	1.53	1.46	1.92	2.14	0.9195	1.18	3.01	3.03	2.48		2.48	2.12	21.95

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
EPS					0.52	0.04	0.6991	0.659	0.579	0.511	0.4896	0.555	0.6325	0.4705			0.5317	-1.64
Share price			30.43	28.24	30.07	30.96	28.13	23.3	22.82	24.01					27.91	26.89	24.99	2.91
Number of shares, mln	24.54	24.58	24.61	24.59	24.46	35.01	53.14	53.38	53.38	53.36							49.65	8.79
FCF/share					0.754	1.9	0.8991	0.8942	0.6699	0.5639	0.5718	0.6925	1.08	0.1356			0.6088	-24.80

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	7.61	6.18	10.13	9.87	4.87	6.42	5.29	8.99	7.35		7.35	-47.34	6.58	8.58
ROA, %	0.9218	0.8948	1.49	1.5	0.7098	0.844	0.6685	1.21	1.07		1.07	10.67	0.9005	8.55
ROIC, %			10.63	10.08	6.07	7.75	5.08	7.82				6.57	7.36	-4.95
ROS, %		22.91	34.42	33.04	18.57	25.31	16.63	28.29	19.09	19.09	19.09	26.44	21.68	-5.48
ROCE, %	13.32	11.86	-18.06	-13.32	-4.06	-3.6	0.886	1.52		7.92	7.92	-61.28	0.5332	-214.30
EBIT margin				37.64	22.82	27.52	31.22	35.09		21.15	21.15	33.41	27.56	-1.51
EBITDA margin	45.16	47.65	53.9	52.58	30.53	40.62	35.83	42.56		26.87	26.87	37.49	35.28	-2.52
Net margin	23.61	22.91	34.42	33.04	18.57	25.31	16.63	28.29	19.09		19.09	26.43	21.58	0.55
Operational efficiency, %		46.75	50.78	40.61	22.82	32.36	31.22	38.46	97.75	97.75	97.75	31.91	59.51	24.74
FCF yield, %		5.04	5.96	7.15	5.24	4.88	10.05	12.32					7.93	11.50

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %					2.36	2.58	4.36	2.41	2.35	1.87	1.76	1.98	2.2	1.6			-47.34	1.88	-3.07
ROA, %					0.2966	0.216	0.3455	0.3263	0.2883	0.2559	0.2446	0.2774	0.3174	0.2341			10.67	0.2659	-1.77
ROIC, %			2.33			1.48	2.83	2.68	2	2.03	1.78	1.9	2.27	2.69			6.57	2.13	5.79
ROS, %							30.12	30.92	20.43	24.17	24.12	18.88	22.33	13.66	19.09	19.09	26.44	18.61	0.22
ROCE, %							1.09	2.33	0.2751	0.3171	0.3076	0.4072	0.5444	0.9965	7.92	7.92	-61.28	3.56	81.04
EBIT margin									19.52	29.99	30.35	23.82	28.15	42.71	21.15	21.15	33.41	27.40	-2.35
EBITDA margin							65.16	37.48	25.35	37.26	37.89	29	33.5	29.46	26.87	26.87	37.49	29.14	-1.51
Net margin					27.67	8.74	30.12	30.92	20.43	24.17	24.12	18.88	22.33	13.66			26.43	20.63	-10.79
Operational efficiency, %							58.1	37.48	25.35	29.99	30.35	23.82	28.15	-61.31	97.75	97.75	31.91	37.23	32.63
FCF yield, %	4.67	-2.92	0.8369	2.04	2.51	6.13	3.2	3.84	2.94	2.35								3.69	-17.45

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E	24.89	15.68	15.47	28.2	23.52	20.22	11.52	13.21		13.21	25.86	19.33	-14.07
P/BV	1.54	1.52	0.229	0.1915	1.49	0.7517	0.9884	0.9451		0.9451	-12.42	0.8733	37.61
P/S	5.7	5.4	5.11	5.24	5.95	3.36	3.26	2.52		2.52	6.65	4.07	-13.62
P/FCF	19.84	16.77	13.98	19.08	20.49	9.96	12.82	8.37	10.18	10.18	19.35	12.36	-13.06
E/P	0.0402	0.0587	0.0674	0.0516	0.051	0.0491	0.0996	0.0967	0.0852	0.0852	0.05	0.0763	10.81
EV/EBIT			8.26	8.39	-1.26	8.71	7.81	9.92	8.63	8.63	20.36	6.76	-246.94
EV/EBITDA		4.88	5.91	6.27	-0.8528	7.59	6.44			7.81	17.58	5.07	1.73
EV/S		3.11	2.81	0.1759	-1.42	2.72	2.74	1.83	1.83	1.83	6.87	1.54	-205.20
EV/FCF		8.89	8.02	0.9316	-5.86	7.99	7.83	8.29	8.29	8.29	24.70	5.31	-207.18
Debt/EBITDA		0.0212	0.8173	1.53	1.12	1.56	0.8137	1.01	0.4331	0.4331	1.93	0.9874	-17.31
Netdebt/Ebitda	-5.57	-5.14	-4.86	-14.19	-19.15	-1.79	-1.22	-1.48	-2.59	-2.59	0.97	-5.2460	-32.98
Debt/Ratio		0.0012	0.0151	0.0131	0.0118	0.0159	0.015	0.0064	0.0064	0.0064	0.40	0.0111	-11.52
Debt/Equity		0.0083	0.098	0.0948	0.0942	0.1253	0.105	0.0436	5.78	5.78	-1.48	1.23	127.81
Debt/Net Income		0.086	1.04	1.97	1.49	3.37	1.22	0.6096	0.6096	0.6096	3.28	1.46	-16.37
PEG									-77.79	-77.79	2.52	-77.7900	0.00
Beta							2.44	0.6987	-0.0236	-0.0236	0.34	1.04	-121.31
Altman Index		0.3655	0.2518	0.1384	0.22	-0.1996	-0.1774	-0.0855	0.0489	0.0489	42.85	-0.0387	-25.98

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E			21.33	15.71	11.37	9.75	8.63	11.52	10.45	10.22	11.83	13.2				25.86	11.44	2.76
P/BV			1.46	0.754	0.9042	0.8376	0.7582	0.9893	0.8161	0.747	0.8531	0.9451				-12.42	0.8701	-0.91
P/S			4.71	2.89	2.21	1.96	1.64	3	2.57	2.2	2.61	2.52				6.65	2.58	-3.43
P/FCF	119.49	49.07	39.89	16.33	31.28	26.06	34.06	42.57						10.18	10.18	19.35	24.61	-17.14
E/P	0.0142	0.0169	0.0173	0.0151	0.0249	0.0283	0.0254	0.0213						0.0852	0.0852	0.05	0.0491	24.66
EV/EBIT							41.96	37.4	35.69	27.92	24.36	13.95		8.63	8.63	20.36	16.70	-20.93
EV/EBITDA			6.73	7.62	7.93	32.77	5.62	6.44	6.46	5.96	5.79	5.73				17.58	6.08	-2.31
EV/S					10.9	12.28	8.19	11.22	10.83	6.65	6.86	5.96		1.83	1.83	6.87	4.63	-22.75
EV/FCF					28.13	29.27	34.65	42.05	38.46	28.24	18.05	151.29		8.29	8.29	24.70	42.83	-21.74
Debt/EBITDA					4.33	2.62	11.31	3.8	7.91	8.07	3.34	1.29		0.4331	0.4331	1.93	2.71	-44.29
Netdebt/Ebitda					1.06	4.11	3.43	-5.7	-1.82	-2.65	-6.81	-7.72		-2.59	-2.59	0.97	-4.4720	-0.46
Debt/Ratio					0.0106	0.0104	0.0407	0.015	0.0303	0.0344	0.016	0.0064		0.0064	0.0064	0.40	0.0139	-28.56
Debt/Equity					0.078	0.0767	0.2968	0.105	0.2122	0.2356	0.1046	0.0436		5.78	5.78	-1.48	2.39	89.65
Debt/Net Income					3.04	3.18	14.03	5.86	12.42	12.4	5.02	2.78		0.6096	0.6096	3.28	4.28	-45.26
PEG														-77.79	-77.79	2.52	-77.7900	0.00
Beta													0.7957	0.1204	-0.0236	0.34	0.2975	-130.95
Altman Index	0.1727	0.1438	0.1429	-0.227	1.09	0.5741	0.7122						-0.0855	0.0489	0.0489	42.85	0.2597	-38.90

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.0045	0.0044	0.005	0.0088	0.01	0.0121	0.0154	0.0277	0.000971			0.0228		0.0132	-37.27
Dividend			0.05	0.2	0.4	0.4	0.39	0.52	0.52	0.54	0.14	0.68		0.4220	-18.53
Dividend yield, %			0.1738	0.6748	1.28	1.57	0.8966	1.77	2.21	1.95	2.01	2.04	1.81	1.77	17.52
Dividends / profit, %		16.16	16	10.53	17.33	37.79	33.89	29.9	21.23	0.8443		0.8443	56.58	24.73	-53.25
Dividend coverage ratio											5.04	5.04	32.92	5.04	0.00

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln					0.0032	0.0058	0.0069	0.0069	0.0069	0.0069	0.007	0.0069	0.0069	0.0199				0.0095	23.59
Dividend	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13								0.1300	0.00
Dividend yield, %	0.4901	0.4608	0.4272	0.4603	0.4323	0.4199	0.4622	0.558	0.5697	0.5416							1.81	0.5103	5.22
Dividends / profit, %					24.93	35.4	18.64	19.68	22.41	25.38	26.63	23.31	20.46	78.77			56.58	34.91	25.42
Dividend coverage ratio															5.04	5.04	32.92	5.04	0.00

Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Revenue, %	9.56	0.5375	1.23	1.49	0.7741	0.7741	-39.51
Staff, people				1 055	980		-3.62

	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	CAGR 5
CAPEX/Revenue, %	1.1	0.5202	0.6269	1.21	1.84	10.84

	CAGR 5

Investing Port

Stellar Bancorp, Inc.

Reporting Stellar Bancorp, Inc.

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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