EBO Fundamental Analysis - ERSTE GROUP BANK AG

Fundamental Rating

EBO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. EBO has a bad profitability rating. Also its financial health evaluation is rather negative. EBO has a correct valuation and a medium growth rate. EBO also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year EBO was profitable.

EBO had a positive operating cash flow in the past year.

In the past 5 years EBO has always been profitable.

In multiple years EBO reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of EBO (0.84%) is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 12.30%, EBO is in the better half of the industry, outperforming 62.50% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	12.3%
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

With a decent Profit Margin value of 24.71%, EBO is doing good in the industry, outperforming 63.54% of the companies in the same industry.

In the last couple of years the Profit Margin of EBO has grown nicely.

EBO 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)	24.71%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EBO does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for EBO has been reduced compared to 1 year ago.

The number of shares outstanding for EBO has been reduced compared to 5 years ago.

The debt/assets ratio for EBO is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of EBO is 25.57, which is on the high side as it means it would take EBO, 25.57 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of EBO (25.57) is better than 72.92% of its industry peers.

EBO has a Debt/Equity ratio of 2.72. This is a high value indicating a heavy dependency on external financing.

EBO's Debt to Equity ratio of 2.72 is on the low side compared to the rest of the industry. EBO is outperformed by 65.63% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.72
Debt/FCF	25.57
Altman-Z	N/A

ROIC/WACCN/A

WACC16.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

EBO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.30%.

Measured over the past years, EBO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.54% on average per year.

EBO shows a small growth in Revenue. In the last year, the Revenue has grown by 2.96%.

EBO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.68% yearly.

EPS 1Y (TTM)5.3%

EPS 3Y27.54%

EPS 5Y16.54%

EPS Q2Q%21.51%

Revenue 1Y (TTM)2.96%

Revenue growth 3Y12.05%

Revenue growth 5Y8.68%

Sales Q2Q%4.86%

3.2 Future

Based on estimates for the next years, EBO will show a small growth in Earnings Per Share. The EPS will grow by 5.46% on average per year.

EBO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.92% yearly.

EPS Next Y3.68%

EPS Next 2Y11.36%

EPS Next 3Y10.06%

EPS Next 5Y5.46%

Revenue Next Year2.5%

Revenue Next 2Y12.49%

Revenue Next 3Y10.25%

Revenue Next 5Y6.92%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.97 indicates a reasonable valuation of EBO.

Based on the Price/Earnings ratio, EBO is valued a bit more expensive than 65.63% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.41, EBO is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.28, the valuation of EBO can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of EBO indicates a somewhat cheap valuation: EBO is cheaper than 70.83% of the companies listed in the same industry.

EBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.

		Industry Rank	Sector Rank
PE	10.97
Fwd PE	9.28

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EBO indicates a somewhat cheap valuation: EBO is cheaper than 70.83% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	12.97
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates EBO does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.98

PEG (5Y)0.66

EPS Next 2Y11.36%

EPS Next 3Y10.06%

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5. Dividend

5.1 Amount

EBO has a Yearly Dividend Yield of 7.55%, which is a nice return.

Compared to an average industry Dividend Yield of 4.91, EBO pays a better dividend. On top of this EBO pays more dividend than 88.54% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, EBO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.55%

5.2 History

The dividend of EBO is nicely growing with an annual growth rate of 13.75%!

Dividend Growth(5Y)13.75%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

43.33% of the earnings are spent on dividend by EBO. This is a bit on the high side, but may be sustainable.

EBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP43.33%

EPS Next 2Y11.36%

EPS Next 3Y10.06%

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ERSTE GROUP BANK AG

FRA:EBO (9/23/2025, 7:00:00 PM)

82.85

+0.35 (+0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-01 2025-08-01/bmo

Earnings (Next)10-31 2025-10-31

Inst Owners31.41%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap34.01B

Analysts79.05

Price Target82.07 (-0.94%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.55%

Yearly Dividend3.09

Dividend Growth(5Y)13.75%

DP43.33%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)9.4%

Min EPS beat(2)-4.99%

Max EPS beat(2)23.8%

EPS beat(4)2

Avg EPS beat(4)3.09%

Min EPS beat(4)-17.47%

Max EPS beat(4)23.8%

EPS beat(8)6

Avg EPS beat(8)4.64%

EPS beat(12)10

Avg EPS beat(12)6.83%

EPS beat(16)13

Avg EPS beat(16)4.63%

Revenue beat(2)1

Avg Revenue beat(2)-0.32%

Min Revenue beat(2)-1.44%

Max Revenue beat(2)0.81%

Revenue beat(4)3

Avg Revenue beat(4)0.93%

Min Revenue beat(4)-1.44%

Max Revenue beat(4)2.53%

Revenue beat(8)6

Avg Revenue beat(8)0.56%

Revenue beat(12)10

Avg Revenue beat(12)4.35%

Revenue beat(16)14

Avg Revenue beat(16)7.89%

PT rev (1m)6.62%

PT rev (3m)6.54%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-5.61%

EPS NY rev (1m)0%

EPS NY rev (3m)0.22%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.95%

Revenue NY rev (1m)0.12%

Revenue NY rev (3m)1.18%

Valuation

		Industry Rank	Sector Rank
PE	10.97
Fwd PE	9.28
P/S	2.77
P/FCF	12.97
P/OCF	10
P/B	1.38
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)7.55

EY9.11%

EPS(NY)8.93

Fwd EY10.78%

FCF(TTM)6.39

FCFY7.71%

OCF(TTM)8.29

OCFY10%

SpS29.9

BVpS60.04

TBVpS56.66

PEG (NY)2.98

PEG (5Y)0.66

Profitability

		Industry Rank	Sector Rank
ROA	0.84%
ROE	12.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.71%
GM	N/A
FCFM	21.37%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.72
Debt/FCF	25.57
Debt/EBITDA	N/A
Cap/Depr	140.61%
Cap/Sales	6.35%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	86.5%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC16.63%

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)5.3%

EPS 3Y27.54%

EPS 5Y16.54%

EPS Q2Q%21.51%

EPS Next Y3.68%

EPS Next 2Y11.36%

EPS Next 3Y10.06%

EPS Next 5Y5.46%

Revenue 1Y (TTM)2.96%

Revenue growth 3Y12.05%

Revenue growth 5Y8.68%

Sales Q2Q%4.86%

Revenue Next Year2.5%

Revenue Next 2Y12.49%

Revenue Next 3Y10.25%

Revenue Next 5Y6.92%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-6.8%

EBIT Next 3Y9.99%

EBIT Next 5YN/A

FCF growth 1Y127.51%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y137.69%

OCF growth 3YN/A

OCF growth 5YN/A

ERSTE GROUP BANK AG (EBO.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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