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Bank of Cyprus Holdings Public Limited Company, through its subsidiaries, provides various banking and financial services in Cyprus, Greece, the United Kingdom, the United States, Canada, Germany, France, Romania, Russia, Ukraine, Belarus, Israel, and internationally. The company operates through eight segments: Corporate, Small and Medium-sized Enterprises, and Retail; IBU and International Corporate; Restructuring and Recoveries Unit; Real Estate Management Unit; Treasury; Insurance; Payment Services; and Other. It offers current, salary, savings, sight, payment, quick, traditional and business fixed-term deposit, and notice accounts; housing, consumer, student, and business loans; debit, credit, prepaid, virtual, youth culture, quick, and special cards; and insurance products. The company also provides digital wallets; digital and internet banking; services and payments, including instant, electronic, and overseas payments, as well as transfers and payments, mobile cheque deposit, fixed deposit and cash flow management, transaction security, trade facilities, notification services, project finance, and factor services. In addition, it offers markets and hedging products, such as foreign exchange, equities and funds, fixed income, commodities, and structure products; investment services comprising discretionary asset management, execution, and advisory services; depository and custody services; and institutional investment services. The company was formerly known as Bank of Cyprus Public Company Limited and changed its name to Bank of Cyprus Holdings Public Limited Company in January 2017. Bank of Cyprus Holdings Public Limited Company was founded in 1899 and is headquartered in Nicosia, Cyprus.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Bank of Cyprus Holdings PCL is Cyprus's largest bank, offering retail, corporate and private banking, payments and asset management across Cyprus and selected international markets. Long-term growth may be supported by Cypriot economic recovery, reduction of legacy non-performing loans, improving interest margins and higher fee income; investors may find its market-leading domestic franchise and improving capital position attractive.
Key risks include concentration in the Cypriot economy and real estate, remaining legacy credit and operational exposures, and sensitivity to regulatory or sovereign shocks that could pressure earnings or capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 548.88M | 590.27M | 561.92M | 109.78M | 36.12M |
| Minority interest | -2.56M | -0.95M | -1.74M | -2.87M | -2.17M |
| Net income | 480.56M | 508.19M | 487.21M | 71.11M | 29.71M |
| Selling general administrative | 32.51M | 23.90M | 19.47M | 18.84M | 14.40M |
| Selling and marketing expenses | - | 13.28M | 9.00M | 10.10M | 9.84M |
| Gross profit | 1039.48M | 1093.53M | 1091.48M | 753.50M | 553.75M |
| Reconciled depreciation | 35.86M | 36.17M | 68.51M | 34.20M | 34.93M |
| Ebit | - | 590.27M | 561.92M | 106.92M | 33.95M |
| Ebitda | 548.88M | 626.44M | 596.18M | 141.12M | 68.88M |
| Depreciation and amortization | - | 36.17M | 34.25M | 34.20M | 34.93M |
| Operating income | 548.88M | 590.27M | 561.92M | 106.92M | 33.95M |
| Other operating expenses | 605.51M | 691.88M | 681.01M | 542.76M | 422.17M |
| Interest expense | 114.92M | 188.62M | 151.45M | 80.66M | 92.25M |
| Tax provision | 65.76M | 81.13M | 72.94M | 35.81M | 4.24M |
| Interest income | 845.43M | 1137.55M | 986.06M | 450.97M | 388.55M |
| Net interest income | 730.51M | 821.46M | 793.19M | 370.31M | 296.30M |
| Income tax expense | 65.76M | 81.13M | 72.98M | 35.81M | 4.24M |
| Total revenue | 1154.39M | 1282.15M | 1242.93M | 753.50M | 553.75M |
| Total operating expenses | 490.60M | 503.26M | 529.55M | 542.76M | 422.17M |
| Cost of revenue | 114.92M | 188.62M | 151.45M | - | - |
| Total other income expense net | - | -266.32M | -261.02M | 2.87M | 2.17M |
| Net income from continuing ops | 483.12M | 509.14M | 482.51M | 73.97M | 31.88M |
| Net income applicable to common shares | - | - | - | 71.11M | 29.71M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 28568.40M | 26483.59M | 26629.81M | 25434.61M | 24962.70M |
| Intangible assets | 51.92M | 49.75M | 48.63M | 168.32M | 184.03M |
| Other current assets | - | 1.22M | 0.77M | 1041.03M | 1637.54M |
| Total liab | 25618.88M | 23653.52M | 24140.62M | 599.74M | 642.77M |
| Total stockholder equity | 2929.78M | 2809.87M | 2467.93M | 2078.37M | 2058.79M |
| Other current liab | 22591.56M | 20809.04M | -85.72M | 41.42M | 11.17M |
| Common stock | 43.57M | 44.05M | 959.79M | 44.62M | 44.62M |
| Capital stock | 43.57M | 44.05M | 959.79M | 44.62M | 44.62M |
| Retained earnings | 1984.16M | 1865.33M | 1175.51M | 1041.15M | 986.62M |
| Other liab | - | - | - | 851.38M | 1124.09M |
| Good will | 51.92M | - | - | - | - |
| Other assets | - | 26483.59M | 1.24M | 12649.03M | 14373.45M |
| Cash | 7933.04M | 7600.73M | 9614.50M | 9567.26M | 9230.88M |
| Total current liabilities | 22591.56M | 20883.51M | 15617.21M | 19906.15M | 21126.17M |
| Current deferred revenue | - | - | 19.56M | - | - |
| Net debt | -6570.87M | -6267.25M | -9614.50M | -8967.52M | -8588.11M |
| Short term debt | - | - | 2307.05M | - | - |
| Short long term debt total | 1362.17M | 1333.48M | 3491.79M | 599.74M | 642.77M |
| Other stockholder equity | 902.05M | 900.50M | 1.25M | 992.60M | 1027.55M |
| Property plant equipment | - | - | - | 253.38M | 252.13M |
| Total current assets | 7933.04M | 7635.29M | 9838.32M | 9612.03M | 9267.42M |
| Long term investments | 5412.07M | 4453.62M | 3746.46M | 2751.86M | 885.66M |
| Net tangible assets | - | - | - | 1910.05M | 1874.76M |
| Short term investments | - | - | 223.82M | - | - |
| Net receivables | - | 33.34M | 34.66M | 44.77M | 36.54M |
| Inventory | - | - | 9574.18M | - | - |
| Accounts payable | - | - | 69.48M | 19505.98M | 17987.92M |
| Accumulated other comprehensive income | - | 327.60M | 331.38M | - | - |
| Non currrent assets other | 8641.94M | 7270.91M | 12508.44M | -3173.56M | -1321.82M |
| Non current assets total | 20635.37M | 18848.30M | 16790.26M | 3173.56M | 1321.82M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -884.84M | -1128.98M | -1380.31M | -285.73M | -236.49M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -810.65M | -1128.98M | -1380.31M | -285.67M | -44.66M |
| Net borrowings | 0.00M | 297.77M | 347.69M | - | 2356.82M |
| Total cash from financing activities | -330.00M | -1988.03M | 251.43M | -1106.75M | 2261.72M |
| Change to operating activities | - | - | - | -86.30M | -78.12M |
| Net income | 548.88M | 590.27M | 561.92M | 110.33M | 36.12M |
| Change in cash | 565.62M | -2114.48M | 252.17M | 330.94M | 3365.07M |
| Begin period cash flow | 7723.85M | 9838.32M | 9586.15M | 9255.21M | 5890.14M |
| End period cash flow | 8289.47M | 7723.85M | 9838.32M | 9586.15M | 9255.21M |
| Total cash from operating activities | 1706.28M | 1002.53M | 1381.05M | 1723.43M | 1170.51M |
| Issuance of capital stock | - | 0.00M | 216.47M | - | - |
| Depreciation | 35.86M | 36.17M | 34.25M | 34.20M | 34.93M |
| Other cashflows from investing activities | 107.66M | -508.73M | 32.24M | 11.25M | 29.10M |
| Dividends paid | 280.36M | 103.94M | 20.34M | 27.50M | 27.50M |
| Change to inventory | - | 152.45M | 132.98M | - | - |
| Sale purchase of stock | -30.00M | -25.09M | -226.82M | - | - |
| Other cashflows from financing activities | -19.65M | -2156.76M | -65.56M | -1071.15M | 2493.32M |
| Change to netincome | - | - | - | - | 123.58M |
| Capital expenditures | 30.84M | 40.79M | 22.40M | 24.10M | 22.34M |
| Change in working capital | 1219.56M | 333.02M | 644.99M | 1282.07M | 845.47M |
| Stock based compensation | - | 0.93M | 0.59M | - | - |
| Other non cash items | -98.01M | 42.14M | 139.28M | 296.82M | 253.98M |
| Free cash flow | 1675.44M | 961.74M | 1358.64M | 1699.33M | 1148.16M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BKCYF Bank Of Cyprus Holdings PCL |
- -% |
12.25 | 7.96 | 8.36 | 4.48 | 1.29 | 3.29 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.33 0.14% |
230.69 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.59 1.78% |
33.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.52 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Bank of Cyprus Holdings Public Limited Company, through its subsidiaries, provides various banking and financial services in Cyprus, Greece, the United Kingdom, the United States, Canada, Germany, France, Romania, Russia, Ukraine, Belarus, Israel, and internationally. The company operates through eight segments: Corporate, Small and Medium-sized Enterprises, and Retail; IBU and International Corporate; Restructuring and Recoveries Unit; Real Estate Management Unit; Treasury; Insurance; Payment Services; and Other. It offers current, salary, savings, sight, payment, quick, traditional and business fixed-term deposit, and notice accounts; housing, consumer, student, and business loans; debit, credit, prepaid, virtual, youth culture, quick, and special cards; and insurance products. The company also provides digital wallets; digital and internet banking; services and payments, including instant, electronic, and overseas payments, as well as transfers and payments, mobile cheque deposit, fixed deposit and cash flow management, transaction security, trade facilities, notification services, project finance, and factor services. In addition, it offers markets and hedging products, such as foreign exchange, equities and funds, fixed income, commodities, and structure products; investment services comprising discretionary asset management, execution, and advisory services; depository and custody services; and institutional investment services. The company was formerly known as Bank of Cyprus Public Company Limited and changed its name to Bank of Cyprus Holdings Public Limited Company in January 2017. Bank of Cyprus Holdings Public Limited Company was founded in 1899 and is headquartered in Nicosia, Cyprus.
| Name | Title | Year Born |
|---|---|---|
| Mr. Panicos Nicolaou | CEO & Exec. Director | 1974 |
| Ms. Eliza Livadiotou | Exec. Director of Fin. & Legacy and Exec. Director | 1974 |
| Mr. Solonas Matsias | Director of Operations & Chief Cost Officer | 1965 |
| Mr. Nicolas Scott Smith | Exec. Director of Corp. Fin. Solutions | 1975 |
| Mr. George Kousis | Acting Exec. Director of Technology & Operations | NA |
| Mr. Marios M. Skandalis | Director of Compliance | 1971 |
| Ms. Katia Santis | Chief Legal Officer & Company Sec. | NA |
| Ms. Irene Gregoriou Pavlidi | Acting Exec. Director of People & Change | NA |
| Dr. Charis Pouangare | Deputy CEO & Chief of Bus. | 1961 |
| Mr. Demetris Demetriou | Chief Risk Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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