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eToro Group Ltd. (ETOR) 10-Year Financial Performance & Capital Metrics

ETOR • • Banking & Credit
Financial ServicesCapital MarketsDigital Asset Trading & BrokerageMulti-Asset Trading Platforms
AbouteToro Group Ltd. is an Israeli-based financial technology company founded in 2007. It operates a multi-asset investment platform that combines social networking features with trading capabilities, allowing users to trade stocks, cryptocurrencies, commodities, and more. As of December 31, 2024, eToro had approximately 3.5 million funded accounts across 75 countries.Show more
  • Net Interest Income -$23M -24.7%
  • Total Revenue $12.62B +225.7%
  • Net Income $192M +1160.8%
  • Return on Equity 26.91% +881.3%
  • Net Interest Margin -1.89% +16.2%
  • Efficiency Ratio 3.25% -64.8%
  • ROA 19.32% +1926.2%
  • Equity / Assets 69.87% -6.4%
  • Book Value per Share 37.92 +35.4%
  • Tangible BV/Share 35.81 +34.8%
  • Debt/Equity 0.06 -4.9%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Efficient operations: 3.2% efficiency ratio
  • ✓Well capitalized: 69.9% equity/assets
  • ✓Diversified revenue: 99.9% from non-interest income
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Weak NIM of -1.9%
  • ✗Weak momentum: RS Rating 15 (bottom 15%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y137.24%
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-

EPS CAGR

10Y-
5Y-
3Y-
TTM-

ROCE

10Y Avg0.42%
5Y Avg0.42%
3Y Avg3.23%
Latest35.54%

Peer Comparison

Multi-Asset Trading Platforms
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Size & Scale
Valuation
Per Share
Growth
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Quality & Returns
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TTM Growth
Famous Investor Metrics
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Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
HOODRobinhood Markets, Inc.86.77B110.3570.7458.23%47.81%25.61%0.94
TIGRUP Fintech Holding Limited1.59B9.2525.6943.68%15.51%15.49%52.14%0.27
FUTUFutu Holdings Limited16.73B176.504.5435.79%40.05%23.78%100%0.31
ETOReToro Group Ltd.1.48B31.273.57225.73%1.52%14.96%18.03%0.06
TOPTOP Financial Group Limited27.34M1.01-6.31-58.58%-179.3%5.41%0.01

Profit & Loss

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Net Interest Income+-29K1.52M-21.6M-18.04M-22.51M
NII Growth %-53.48%-15.19%0.16%-0.25%
Net Interest Margin %-----
Interest Income1.45M1.52M1.64M10.1M16.65M
Interest Expense1.47M023.24M28.15M39.16M
Loan Loss Provision62.95M05.95B3.44B11.9B
Non-Interest Income+548.66M943.91M6.33B3.87B12.61B
Non-Interest Income %-----
Total Revenue+550.11M945.43M6.33B3.88B12.62B
Revenue Growth %-0.72%5.7%-0.39%2.26%
Non-Interest Expense398.52M1.19B548.82M357.91M410.25M
Efficiency Ratio-----
Operating Income+87.17M-240.65M-187.47M46.8M270.27M
Operating Margin %-----
Operating Income Growth %--3.76%0.22%1.25%4.78%
Pretax Income+85.73M-266.3M-214.87M27.73M245.62M
Pretax Margin %-----
Income Tax+2.88M-593K117K12.47M53.24M
Effective Tax Rate %-----
Net Income+82.86M-265.7M-214.98M15.26M192.38M
Net Margin %-----
Net Income Growth %--4.21%0.19%1.07%11.61%
Net Income (Continuing)82.86M-265.7M-214.98M15.26M192.38M
EPS (Diluted)+1.01-15.18-11.450.728.76
EPS Growth %--16.03%0.25%1.06%11.17%
EPS (Basic)1.01-15.18-11.450.809.85
Diluted Shares Outstanding81.92M17.5M18.77M21.33M21.95M

Balance Sheet

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash & Short Term Investments+1000K01000K1000K1000K
Cash & Due from Banks1.4B259.59M284.58M388.33M3.57B
Short Term Investments001000K01000K
Total Investments+0074.37M065M
Investments Growth %----1%-
Long-Term Investments00000
Accounts Receivables1000K01000K1000K1000K
Goodwill & Intangibles+-----
Goodwill1.6M07.44M7.44M18.68M
Intangible Assets4.93M6.13M25.91M23.38M27.67M
PP&E (Net)25.87M37.25M8.81M38.22M49.41M
Other Assets213K1.09B45.38M10.55M11.63M
Total Current Assets496.86M02.3B711.15M1.08B
Total Non-Current Assets34.51M1.13B97.47M89.01M116.04M
Total Assets+531.37M1.13B2.4B800.16M1.19B
Asset Growth %-1.14%1.12%-0.67%0.49%
Return on Assets (ROA)0.16%-0.32%-0.12%0.01%0.19%
Accounts Payable4.75M08.62M1.25M4.2M
Total Debt+24.43M045.86M36.46M48.3M
Net Debt-1.38B-259.59M-238.72M-351.88M-3.52B
Long-Term Debt00000
Short-Term Debt007M00
Other Liabilities1.07M553.55M2M1.82M6.91M
Total Current Liabilities121.97M01.84B164.9M305.57M
Total Non-Current Liabilities23.31M553.55M40.84M37.71M53.42M
Total Liabilities145.28M553.55M1.89B202.6M358.99M
Total Equity+386.09M581.38M515.43M597.56M832.38M
Equity Growth %-0.51%-0.11%0.16%0.39%
Equity / Assets (Capital Ratio)-----
Return on Equity (ROE)0.21%-0.55%-0.39%0.03%0.27%
Book Value per Share4.7133.2127.4628.0137.92
Tangible BV per Share-----
Common Stock00364.41M00
Additional Paid-in Capital177.85M232.91M0830.92M871.49M
Retained Earnings208.24M-57.64M0-239.83M-47.45M
Accumulated OCI00-255.09M01.87M
Treasury Stock000-2.63M-2.63M
Preferred Stock0406.11M156.11M00

Cash Flow

Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-60.49M0346.98M111.83M268.58M
Operating CF Growth %-1%--0.68%1.4%
Net Income82.86M-265.7M-214.98M15.26M192.38M
Depreciation & Amortization5.88M09.33M12.26M11.34M
Deferred Taxes2.88M0117K00
Other Non-Cash Items12.34M56.23M66.1M0-3.45M
Working Capital Changes-169.2M0359.27M18.5M41.16M
Cash from Investing+-2.89M0-24.92M-1.42M-68.53M
Purchase of Investments000-996K-546K
Sale/Maturity of Investments00000
Net Investment Activity-----
Acquisitions00-20.44M0-609K
Other Investing-70K0-1.11M0-65M
Cash from Financing+-2.81M0-291.38M-10.74M-3.19M
Dividends Paid00000
Share Repurchases00000
Stock Issued0002.34M929K
Net Stock Activity-----
Debt Issuance (Net)-1000K0-1000K-1000K-1000K
Other Financing-1.01M0829K-9.63M0
Net Change in Cash+-66.08M-71.12M22.03M103.75M187.06M
Exchange Rate Effect115K0-1000K1000K-1000K
Cash at Beginning137.19M71.12M262.56M284.58M388.33M
Cash at End71.12M0284.58M388.33M575.39M
Interest Paid00000
Income Taxes Paid00000
Free Cash Flow+-63.31M0342.75M111.41M266.21M
FCF Growth %-1%--0.67%1.39%

Banking Ratios

Metric20202021202220232024
Return on Equity (ROE)21.46%-54.93%-39.2%2.74%26.91%
Return on Assets (ROA)15.59%-31.89%-12.16%0.95%19.32%
Net Interest Margin-0.01%0.13%-0.9%-2.25%-1.89%
Efficiency Ratio72.44%125.45%8.67%9.24%3.25%
Equity / Assets72.66%51.23%21.47%74.68%69.87%
Book Value / Share4.7133.2127.4628.0137.92
NII Growth-5348.28%-1519.12%16.46%-24.75%

Frequently Asked Questions

Valuation & Price

eToro Group Ltd. (ETOR) has a price-to-earnings (P/E) ratio of 3.6x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

eToro Group Ltd. (ETOR) grew revenue by 225.7% over the past year. This is strong growth.

Yes, eToro Group Ltd. (ETOR) is profitable, generating $206.1M in net income for fiscal year 2024 (1.5% net margin).

Dividend & Returns

eToro Group Ltd. (ETOR) has a return on equity (ROE) of 26.9%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

eToro Group Ltd. (ETOR) has a net interest margin (NIM) of -1.9%. NIM has been under pressure due to interest rate environment.

eToro Group Ltd. (ETOR) has an efficiency ratio of 3.2%. This is excellent, indicating strong cost control.

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