ERSTE GROUP BANK AG (1EBS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1EBS - AT0000652011 - Common Stock
97.7 EUR
+16.35 (+20.1%)
Overall 1EBS gets a fundamental rating of 4 out of 10. We evaluated 1EBS against 109 industry peers in the Banks industry. 1EBS has a bad profitability rating. Also its financial health evaluation is rather negative. 1EBS has a decent growth rate and is not valued too expensively. 1EBS also has an excellent dividend rating.
1. Profitability
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 each of the past 5 years.
In multiple years 1EBS reported negative operating cash flow during the last 5 years.
1.2 Ratios
1EBS has a Return On Assets (0.84%) which is comparable to the rest of the industry.
The Return On Equity of 1EBS (11.91%) is comparable to the rest of the industry.
| 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.
The Operating Margin and Gross Margin are not available for 1EBS so they could not be analyzed.
| 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.
The number of shares outstanding for 1EBS has been reduced compared to 1 year ago.
1EBS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1EBS has a worse debt to assets ratio.
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 63.72% 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 Debt to Equity ratio of 2.62. This is in the lower half of the industry: 1EBS underperforms 65.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 30.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1EBS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.70%.
The Earnings Per Share has been growing by 16.54% on average over the past years. This is quite good.
1EBS shows a small growth in Revenue. In the last year, the Revenue has grown by 0.96%.
The Revenue has been growing by 8.68% on average over the past years. This is quite good.
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
1EBS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.84% yearly.
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 Y8.68%
EPS Next 2Y13.06%
EPS Next 3Y11.62%
EPS Next 5Y10.84%
Revenue Next Year4.09%
Revenue Next 2Y16.66%
Revenue Next 3Y12.27%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.84, 1EBS is valued correctly.
78.76% of the companies in the same industry are cheaper than 1EBS, based on the Price/Earnings ratio.
1EBS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.38.
The Price/Forward Earnings ratio is 10.62, which indicates a very decent valuation of 1EBS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1EBS is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, 1EBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.84 | ||
| Fwd PE | 10.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1EBS is valued a bit cheaper than 62.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.43 | ||
| 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.
PEG (NY)1.48
PEG (5Y)0.78
EPS Next 2Y13.06%
EPS Next 3Y11.62%
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 4.21. 1EBS pays more dividend than 89.38% of the companies in the same industry.
1EBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
5.2 History
The dividend of 1EBS is nicely growing with an annual growth rate of 13.75%!
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.
The dividend of 1EBS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.11%
EPS Next 2Y13.06%
EPS Next 3Y11.62%
BIT:1EBS (12/4/2025, 7:00:00 PM)
97.7
+16.35 (+20.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.9%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap40.11B
Revenue(TTM)12.30B
Net Income(TTM)3.05B
Analysts72.73
Price Target97.33 (-0.38%)
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)10.46%
EPS NQ rev (3m)10.46%
EPS NY rev (1m)4.81%
EPS NY rev (3m)4.81%
Revenue NQ rev (1m)2.85%
Revenue NQ rev (3m)2.85%
Revenue NY rev (1m)1.67%
Revenue NY rev (3m)1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.84 | ||
| Fwd PE | 10.62 | ||
| P/S | 3.26 | ||
| P/FCF | 18.43 | ||
| P/OCF | 13.87 | ||
| P/B | 1.57 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.61
EY7.79%
EPS(NY)9.2
Fwd EY9.42%
FCF(TTM)5.3
FCFY5.43%
OCF(TTM)7.04
OCFY7.21%
SpS29.96
BVpS62.35
TBVpS58.96
PEG (NY)1.48
PEG (5Y)0.78
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
WACC16.28%
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 Y8.68%
EPS Next 2Y13.06%
EPS Next 3Y11.62%
EPS Next 5Y10.84%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%-7.22%
Revenue Next Year4.09%
Revenue Next 2Y16.66%
Revenue Next 3Y12.27%
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 3 / 10 to 1EBS.MI.
What is the valuation status for 1EBS 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 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.
Can you provide the expected EPS growth for 1EBS stock?
The Earnings per Share (EPS) of ERSTE GROUP BANK AG (1EBS.MI) is expected to grow by 8.68% in the next year.