ERSTE GROUP BANK AG (EBO.DE) Fundamental Analysis & Valuation

FRA:EBO • AT0000652011

Current stock price

92.2 EUR
+0.4 (+0.44%)
Last:

This EBO.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. EBO.DE Profitability Analysis

1.1 Basic Checks

  • In the past year EBO was profitable.
  • EBO had a positive operating cash flow in the past year.
  • EBO had positive earnings in 4 of the past 5 years.
  • In multiple years EBO reported negative operating cash flow during the last 5 years.
EBO.DE Yearly Net Income VS EBIT VS OCF VS FCFEBO.DE 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

  • EBO has a Return On Assets of 0.84%. This is comparable to the rest of the industry: EBO outperforms 50.44% of its industry peers.
  • EBO has a Return On Equity of 11.91%. This is comparable to the rest of the industry: EBO outperforms 58.41% 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
EBO.DE Yearly ROA, ROE, ROICEBO.DE 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 EBO (24.78%) is comparable to the rest of the industry.
  • EBO's Profit Margin has improved in the last couple of years.
  • EBO 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
EBO.DE Yearly Profit, Operating, Gross MarginsEBO.DE 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. EBO.DE Health Analysis

2.1 Basic Checks

  • EBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EBO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EBO.DE Yearly Shares OutstandingEBO.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
EBO.DE Yearly Total Debt VS Total AssetsEBO.DE 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 EBO is 30.85, which is on the high side as it means it would take EBO, 30.85 years of fcf income to pay off all of its debts.
  • EBO has a Debt to FCF ratio of 30.85. This is comparable to the rest of the industry: EBO outperforms 59.29% of its industry peers.
  • EBO has a Debt/Equity ratio of 2.62. This is a high value indicating a heavy dependency on external financing.
  • EBO's Debt to Equity ratio of 2.62 is on the low side compared to the rest of the industry. EBO is outperformed by 69.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.62
Debt/FCF 30.85
Altman-Z N/A
ROIC/WACCN/A
WACC16.71%
EBO.DE Yearly LT Debt VS Equity VS FCFEBO.DE 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
EBO.DE Yearly Current Assets VS Current LiabilitesEBO.DE 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. EBO.DE Growth Analysis

3.1 Past

  • EBO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.53%, which is quite good.
  • EBO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 37.29% yearly.
EPS 1Y (TTM)16.53%
EPS 3Y19.31%
EPS 5Y37.29%
EPS Q2Q%58.65%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.45%

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 6.78% on average per year.
  • The Revenue is expected to grow by 10.73% on average over the next years. This is quite good.
EPS Next Y16.01%
EPS Next 2Y13.9%
EPS Next 3Y12.33%
EPS Next 5Y6.78%
Revenue Next Year36.48%
Revenue Next 2Y19.26%
Revenue Next 3Y14.38%
Revenue Next 5Y10.73%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
EBO.DE Yearly Revenue VS EstimatesEBO.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
EBO.DE Yearly EPS VS EstimatesEBO.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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5

4. EBO.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • EBO is valuated reasonably with a Price/Earnings ratio of 10.99.
  • EBO's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.11. EBO is valued rather cheaply when compared to this.
  • EBO is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
  • Based on the Price/Forward Earnings ratio, EBO is valued a bit cheaper than 72.57% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, EBO is valued rather cheaply.
Industry RankSector Rank
PE 10.99
Fwd PE 9.47
EBO.DE Price Earnings VS Forward Price EarningsEBO.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as EBO.
Industry RankSector Rank
P/FCF 17.39
EV/EBITDA N/A
EBO.DE Per share dataEBO.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • EBO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EBO's earnings are expected to grow with 12.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.29
EPS Next 2Y13.9%
EPS Next 3Y12.33%

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

7

5. EBO.DE Dividend Analysis

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 4.66, EBO pays a better dividend. On top of this EBO pays more dividend than 91.15% of the companies listed in the same industry.
  • EBO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector 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
EBO.DE Yearly Dividends per shareEBO.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • EBO pays out 43.11% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of EBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.11%
EPS Next 2Y13.9%
EPS Next 3Y12.33%
EBO.DE Yearly Income VS Free CF VS DividendEBO.DE 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
EBO.DE Dividend Payout.EBO.DE Dividend Payout, showing the Payout Ratio.EBO.DE Dividend Payout.PayoutRetained Earnings

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EBO.DE Fundamentals: All Metrics, Ratios and Statistics

ERSTE GROUP BANK AG

FRA:EBO (3/17/2026, 7:00:00 PM)

92.2

+0.4 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners37.28%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap37.85B
Revenue(TTM)N/A
Net Income(TTM)3.05B
Analysts74.55
Price Target103.54 (12.3%)
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 Years3
Div Non Decr Years3
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)13
Avg EPS beat(16)4.39%
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)6
Avg Revenue beat(8)0.56%
Revenue beat(12)10
Avg Revenue beat(12)2.5%
Revenue beat(16)14
Avg Revenue beat(16)7.15%
PT rev (1m)1.3%
PT rev (3m)8.61%
EPS NQ rev (1m)9.31%
EPS NQ rev (3m)20.83%
EPS NY rev (1m)0.59%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)1.06%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)0.41%
Revenue NY rev (3m)0.62%
Valuation
Industry RankSector Rank
PE 10.99
Fwd PE 9.47
P/S 3.08
P/FCF 17.39
P/OCF 13.09
P/B 1.48
P/tB 1.56
EV/EBITDA N/A
EPS(TTM)8.39
EY9.1%
EPS(NY)9.73
Fwd EY10.56%
FCF(TTM)5.3
FCFY5.75%
OCF(TTM)7.04
OCFY7.64%
SpS29.96
BVpS62.35
TBVpS58.96
PEG (NY)0.69
PEG (5Y)0.29
Graham Number108.49
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
WACC16.71%
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)16.53%
EPS 3Y19.31%
EPS 5Y37.29%
EPS Q2Q%58.65%
EPS Next Y16.01%
EPS Next 2Y13.9%
EPS Next 3Y12.33%
EPS Next 5Y6.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.45%
Revenue Next Year36.48%
Revenue Next 2Y19.26%
Revenue Next 3Y14.38%
Revenue Next 5Y10.73%
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 / EBO.DE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to EBO.DE.


Can you provide the valuation status for ERSTE GROUP BANK AG?

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


Can you provide the profitability details for ERSTE GROUP BANK AG?

ERSTE GROUP BANK AG (EBO.DE) has a profitability rating of 3 / 10.


What are the PE and PB ratios of ERSTE GROUP BANK AG (EBO.DE) stock?

The Price/Earnings (PE) ratio for ERSTE GROUP BANK AG (EBO.DE) is 10.99 and the Price/Book (PB) ratio is 1.48.


Is the dividend of ERSTE GROUP BANK AG sustainable?

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