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

BIT:1EBS • AT0000652011

101.9 EUR
-8.7 (-7.87%)
Last: Feb 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, 1EBS scores 4 out of 10 in our fundamental rating. 1EBS was compared to 110 industry peers in the Banks industry. 1EBS has a bad profitability rating. Also its financial health evaluation is rather negative. 1EBS is not valued too expensively and it also shows a decent growth rate. Finally 1EBS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1EBS was profitable.
  • In the past year 1EBS had a positive cash flow from operations.
  • 1EBS had positive earnings in each 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

  • The Return On Assets of 1EBS (0.84%) is comparable to the rest of the industry.
  • 1EBS's Return On Equity of 11.91% is in line compared to the rest of the industry. 1EBS outperforms 56.36% of its industry peers.
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

  • 1EBS has a Profit Margin of 24.78%. This is comparable to the rest of the industry: 1EBS outperforms 55.45% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • 1EBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1EBS has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 1EBS has less shares outstanding
  • Compared to 1 year ago, 1EBS has a worse debt to assets ratio.
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.
  • 1EBS has a Debt to FCF ratio of 30.85. This is in the better half of the industry: 1EBS outperforms 64.55% of its industry peers.
  • 1EBS has a Debt/Equity ratio of 2.62. This is a high value indicating a heavy dependency on external financing.
  • 1EBS has a worse Debt to Equity ratio (2.62) than 63.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF 30.85
Altman-Z N/A
ROIC/WACCN/A
WACC16.32%
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

6

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.70% over the past year.
  • 1EBS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.54% yearly.
  • The Revenue has been growing slightly by 0.96% in the past year.
  • 1EBS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.68% yearly.
EPS 1Y (TTM)2.7%
EPS 3Y19.92%
EPS 5Y16.54%
EPS Q2Q%2.8%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%-7.22%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.84% on average over the next years. This is quite good.
  • Based on estimates for the next years, 1EBS will show a quite strong growth in Revenue. The Revenue will grow by 11.06% on average per year.
EPS Next Y9.22%
EPS Next 2Y14.32%
EPS Next 3Y12.66%
EPS Next 5Y10.84%
Revenue Next Year4.3%
Revenue Next 2Y17.59%
Revenue Next 3Y12.88%
Revenue Next 5Y11.06%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last 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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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.39, which indicates a correct valuation of 1EBS.
  • 1EBS's Price/Earnings ratio is a bit more expensive when compared to the industry. 1EBS is more expensive than 77.27% of the companies in the same industry.
  • 1EBS is valuated cheaply when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • 1EBS is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
  • 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 27.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.39
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

  • 1EBS's Price/Free Cash Flow is on the same level as the industry average.
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as 1EBS's earnings are expected to grow with 12.66% in the coming years.
PEG (NY)1.45
PEG (5Y)0.81
EPS Next 2Y14.32%
EPS Next 3Y12.66%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.55%, 1EBS is a good candidate for dividend investing.
  • 1EBS's Dividend Yield is rather good when compared to the industry average which is at 4.33. 1EBS pays more dividend than 91.82% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, 1EBS pays a better dividend.
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

  • 1EBS pays out 43.11% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of 1EBS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.11%
EPS Next 2Y14.32%
EPS Next 3Y12.66%
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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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)10-31
Earnings (Next)02-26
Inst Owners37.06%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap41.83B
Revenue(TTM)12.30B
Net Income(TTM)3.05B
Analysts74.29
Price Target101.75 (-0.15%)
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)4.54%
PT rev (3m)N/A
EPS NQ rev (1m)10.53%
EPS NQ rev (3m)22.09%
EPS NY rev (1m)-0.52%
EPS NY rev (3m)5.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 13.39
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)7.61
EY7.47%
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)1.45
PEG (5Y)0.81
Graham Number103.32
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
WACC16.32%
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)2.7%
EPS 3Y19.92%
EPS 5Y16.54%
EPS Q2Q%2.8%
EPS Next Y9.22%
EPS Next 2Y14.32%
EPS Next 3Y12.66%
EPS Next 5Y10.84%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%-7.22%
Revenue Next Year4.3%
Revenue Next 2Y17.59%
Revenue Next 3Y12.88%
Revenue Next 5Y11.06%
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 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 4 / 10 to ERSTE GROUP BANK AG (1EBS.MI). This can be considered as Fairly Valued.


What is the profitability of 1EBS stock?

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


What are the PE and PB ratios of ERSTE GROUP BANK AG (1EBS.MI) stock?

The Price/Earnings (PE) ratio for ERSTE GROUP BANK AG (1EBS.MI) is 13.39 and the Price/Book (PB) ratio is 1.63.


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.