ERSTE GROUP BANK AG (1EBS.MI) Fundamental Analysis & Valuation

BIT:1EBS • AT0000652011

Current stock price

101.9 EUR
-8.7 (-7.87%)
Last:

This 1EBS.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1EBS.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1EBS was profitable.
  • 1EBS had a positive operating cash flow in the past year.
  • 1EBS had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1EBS reported negative operating cash flow in multiple years.
1EBS.MI Yearly Net Income VS EBIT VS OCF VS FCF1EBS.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B

1.2 Ratios

  • 1EBS's Return On Assets of 0.84% is in line compared to the rest of the industry. 1EBS outperforms 50.46% of its industry peers.
  • 1EBS has a Return On Equity (11.91%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.84%
ROE 11.91%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.63%
ROE(3y)12.33%
ROE(5y)10.14%
ROIC(3y)N/A
ROIC(5y)N/A
1EBS.MI Yearly ROA, ROE, ROIC1EBS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of 1EBS (24.78%) is comparable to the rest of the industry.
  • 1EBS's Profit Margin has improved in the last couple of years.
  • 1EBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.21%
PM growth 5Y7.45%
GM growth 3YN/A
GM growth 5YN/A
1EBS.MI Yearly Profit, Operating, Gross Margins1EBS.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. 1EBS.MI Health Analysis

2.1 Basic Checks

  • 1EBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for 1EBS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
1EBS.MI Yearly Shares Outstanding1EBS.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
1EBS.MI Yearly Total Debt VS Total Assets1EBS.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of 1EBS is 30.85, which is on the high side as it means it would take 1EBS, 30.85 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of 1EBS (30.85) is better than 64.22% of its industry peers.
  • A Debt/Equity ratio of 2.62 is on the high side and indicates that 1EBS has dependencies on debt financing.
  • 1EBS has a worse Debt to Equity ratio (2.62) than 66.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF 30.85
Altman-Z N/A
ROIC/WACCN/A
WACC16.33%
1EBS.MI Yearly LT Debt VS Equity VS FCF1EBS.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1EBS.MI Yearly Current Assets VS Current Liabilites1EBS.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1EBS.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.70% over the past year.
  • The Earnings Per Share has been growing by 33.60% on average over the past years. This is a very strong growth
EPS 1Y (TTM)1.7%
EPS 3Y14.02%
EPS 5Y33.6%
EPS Q2Q%-21.64%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.8%

3.2 Future

  • Based on estimates for the next years, 1EBS will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.07% on average per year.
  • 1EBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.30% yearly.
EPS Next Y28.52%
EPS Next 2Y18.58%
EPS Next 3Y14.07%
EPS Next 5YN/A
Revenue Next Year35.92%
Revenue Next 2Y19.4%
Revenue Next 3Y13.3%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1EBS.MI Yearly Revenue VS Estimates1EBS.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
1EBS.MI Yearly EPS VS Estimates1EBS.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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5

4. 1EBS.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.92, 1EBS is valued correctly.
  • Based on the Price/Earnings ratio, 1EBS is valued more expensive than 83.49% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.91. 1EBS is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.83, the valuation of 1EBS can be described as reasonable.
  • 1EBS's Price/Forward Earnings ratio is in line with the industry average.
  • 1EBS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.92
Fwd PE 10.83
1EBS.MI Price Earnings VS Forward Price Earnings1EBS.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1EBS is valued a bit cheaper than the industry average as 61.47% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 19.22
EV/EBITDA N/A
1EBS.MI Per share data1EBS.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • 1EBS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as 1EBS's earnings are expected to grow with 14.07% in the coming years.
PEG (NY)0.49
PEG (5Y)0.41
EPS Next 2Y18.58%
EPS Next 3Y14.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. 1EBS.MI Dividend Analysis

5.1 Amount

  • 1EBS has a Yearly Dividend Yield of 7.55%, which is a nice return.
  • 1EBS's Dividend Yield is rather good when compared to the industry average which is at 4.48. 1EBS pays more dividend than 89.91% of the companies in the same industry.
  • 1EBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.55%

5.2 History

  • On average, the dividend of 1EBS grows each year by 13.75%, which is quite nice.
Dividend Growth(5Y)13.75%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 43.11% of the earnings are spent on dividend by 1EBS. This is a bit on the high side, but may be sustainable.
  • 1EBS's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP43.11%
EPS Next 2Y18.58%
EPS Next 3Y14.07%
1EBS.MI Yearly Income VS Free CF VS Dividend1EBS.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B
1EBS.MI Dividend Payout.1EBS.MI Dividend Payout, showing the Payout Ratio.1EBS.MI Dividend Payout.PayoutRetained Earnings

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1EBS.MI Fundamentals: All Metrics, Ratios and Statistics

ERSTE GROUP BANK AG

BIT:1EBS (2/16/2026, 7:00:00 PM)

101.9

-8.7 (-7.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners37.06%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap41.83B
Revenue(TTM)N/A
Net Income(TTM)3.05B
Analysts74.29
Price Target107.91 (5.9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.55%
Yearly Dividend3.09
Dividend Growth(5Y)13.75%
DP43.11%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.18%
Min EPS beat(2)6.57%
Max EPS beat(2)23.8%
EPS beat(4)2
Avg EPS beat(4)1.97%
Min EPS beat(4)-17.47%
Max EPS beat(4)23.8%
EPS beat(8)6
Avg EPS beat(8)4.78%
EPS beat(12)10
Avg EPS beat(12)7.07%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)0.85%
Min Revenue beat(2)0.81%
Max Revenue beat(2)0.9%
Revenue beat(4)3
Avg Revenue beat(4)0.52%
Min Revenue beat(4)-1.44%
Max Revenue beat(4)1.82%
Revenue beat(8)7
Avg Revenue beat(8)6.62%
Revenue beat(12)11
Avg Revenue beat(12)7.69%
Revenue beat(16)15
Avg Revenue beat(16)11.04%
PT rev (1m)10.87%
PT rev (3m)N/A
EPS NQ rev (1m)15.38%
EPS NQ rev (3m)27.45%
EPS NY rev (1m)-0.52%
EPS NY rev (3m)5.34%
Revenue NQ rev (1m)1.06%
Revenue NQ rev (3m)3.94%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)2.17%
Valuation
Industry RankSector Rank
PE 13.92
Fwd PE 10.83
P/S 3.4
P/FCF 19.22
P/OCF 14.46
P/B 1.63
P/tB 1.73
EV/EBITDA N/A
EPS(TTM)7.32
EY7.18%
EPS(NY)9.41
Fwd EY9.24%
FCF(TTM)5.3
FCFY5.2%
OCF(TTM)7.04
OCFY6.91%
SpS29.96
BVpS62.35
TBVpS58.96
PEG (NY)0.49
PEG (5Y)0.41
Graham Number101.336 (-0.55%)
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 11.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.78%
GM N/A
FCFM 17.69%
ROA(3y)0.78%
ROA(5y)0.63%
ROE(3y)12.33%
ROE(5y)10.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.21%
PM growth 5Y7.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF 30.85
Debt/EBITDA N/A
Cap/Depr 127.63%
Cap/Sales 5.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 71.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC16.33%
ROIC/WACCN/A
Cap/Depr(3y)99.6%
Cap/Depr(5y)95.73%
Cap/Sales(3y)5.26%
Cap/Sales(5y)5.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.7%
EPS 3Y14.02%
EPS 5Y33.6%
EPS Q2Q%-21.64%
EPS Next Y28.52%
EPS Next 2Y18.58%
EPS Next 3Y14.07%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.8%
Revenue Next Year35.92%
Revenue Next 2Y19.4%
Revenue Next 3Y13.3%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-5.02%
EBIT Next 3Y11.63%
EBIT Next 5YN/A
FCF growth 1Y118.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y125.07%
OCF growth 3YN/A
OCF growth 5YN/A

ERSTE GROUP BANK AG / 1EBS.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ERSTE GROUP BANK AG?

ChartMill assigns a fundamental rating of 4 / 10 to 1EBS.MI.


What is the valuation status of ERSTE GROUP BANK AG (1EBS.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to ERSTE GROUP BANK AG (1EBS.MI). This can be considered as Fairly Valued.


How profitable is ERSTE GROUP BANK AG (1EBS.MI) stock?

ERSTE GROUP BANK AG (1EBS.MI) has a profitability rating of 3 / 10.


What is the financial health of ERSTE GROUP BANK AG (1EBS.MI) stock?

The financial health rating of ERSTE GROUP BANK AG (1EBS.MI) is 2 / 10.


Is the dividend of ERSTE GROUP BANK AG sustainable?

The dividend rating of ERSTE GROUP BANK AG (1EBS.MI) is 7 / 10 and the dividend payout ratio is 43.11%.