ERSTE GROUP BANK AG (1EBS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1EBS - AT0000652011 - Common Stock
100.7 EUR
+3 (+3.07%)
Taking everything into account, 1EBS scores 4 out of 10 in our fundamental rating. 1EBS was compared to 111 industry peers in the Banks industry. 1EBS may be in some trouble as it scores bad on both profitability and health. 1EBS is not valued too expensively and it also shows a decent growth rate. 1EBS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- 1EBS had positive earnings in the past year.
- In the past year 1EBS had a positive cash flow from operations.
- In the past 5 years 1EBS has always been profitable.
- In multiple years 1EBS reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of 1EBS (0.84%) is comparable to the rest of the industry.
- 1EBS has a Return On Equity (11.91%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of 1EBS (24.78%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of 1EBS has grown nicely.
- 1EBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
- The number of shares outstanding for 1EBS has been reduced compared to 5 years ago.
- 1EBS has a worse debt/assets ratio than last year.
2.2 Solvency
- 1EBS has a debt to FCF ratio of 30.85. This is a negative value and a sign of low solvency as 1EBS would need 30.85 years to pay back of all of its debts.
- The Debt to FCF ratio of 1EBS (30.85) is better than 66.67% 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.
- With a Debt to Equity ratio value of 2.62, 1EBS is not doing good in the industry: 67.54% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 30.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 2.70% over the past year.
- The Earnings Per Share has been growing by 16.54% on average over the past years. This is quite good.
- 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
- Based on estimates for the next years, 1EBS will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.84% on average per year.
- 1EBS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.06% yearly.
EPS Next Y9.79%
EPS Next 2Y14.32%
EPS Next 3Y12.69%
EPS Next 5Y10.84%
Revenue Next Year4.3%
Revenue Next 2Y17.59%
Revenue Next 3Y12.88%
Revenue Next 5Y11.06%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- 1EBS is valuated correctly with a Price/Earnings ratio of 13.23.
- 1EBS's Price/Earnings ratio is a bit more expensive when compared to the industry. 1EBS is more expensive than 75.44% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, 1EBS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.70, the valuation of 1EBS can be described as reasonable.
- 60.53% of the companies in the same industry are more expensive than 1EBS, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. 1EBS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 10.7 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, 1EBS is valued a bit cheaper than 62.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19 | ||
| EV/EBITDA | N/A |
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 12.69% in the coming years.
PEG (NY)1.35
PEG (5Y)0.8
EPS Next 2Y14.32%
EPS Next 3Y12.69%
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 4.03. 1EBS pays more dividend than 92.11% of the companies in the same industry.
- 1EBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector 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 3Y12.69%
BIT:1EBS (12/29/2025, 7:00:00 PM)
100.7
+3 (+3.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/dmh
Earnings (Next)02-26 2026-02-26/bmo
Inst Owners37.06%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap41.34B
Revenue(TTM)12.30B
Net Income(TTM)3.05B
Analysts74.29
Price Target97.33 (-3.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.46%
EPS NY rev (1m)1.02%
EPS NY rev (3m)5.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.85%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.23 | ||
| Fwd PE | 10.7 | ||
| P/S | 3.36 | ||
| P/FCF | 19 | ||
| P/OCF | 14.29 | ||
| P/B | 1.62 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.61
EY7.56%
EPS(NY)9.41
Fwd EY9.34%
FCF(TTM)5.3
FCFY5.26%
OCF(TTM)7.04
OCFY7%
SpS29.96
BVpS62.35
TBVpS58.96
PEG (NY)1.35
PEG (5Y)0.8
Graham Number103.32
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Y9.79%
EPS Next 2Y14.32%
EPS Next 3Y12.69%
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 13.23 and the Price/Book (PB) ratio is 1.62.
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.