ERSTE GROUP BANK AG (EBO.DE) Stock Fundamental Analysis
Europe - FRA:EBO - AT0000652011 - Common Stock
84.2 EUR
+0.35 (+0.42%)
Overall EBO gets a fundamental rating of 4 out of 10. We evaluated EBO against 97 industry peers in the Banks industry. EBO may be in some trouble as it scores bad on both profitability and health. EBO has a correct valuation and a medium growth rate. Finally EBO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EBO had positive earnings in the past year.
In the past year EBO had a positive cash flow from operations.
EBO had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: EBO reported negative operating cash flow in multiple years.
1.2 Ratios
EBO has a Return On Assets of 0.84%. This is comparable to the rest of the industry: EBO outperforms 58.76% of its industry peers.
EBO has a better Return On Equity (12.30%) than 60.82% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 24.71%, EBO is in the better half of the industry, outperforming 60.82% of the companies in the same industry.
EBO's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for EBO so they could not be analyzed.
| 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
2. Health
2.1 Basic Checks
EBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EBO has less shares outstanding
The number of shares outstanding for EBO has been reduced compared to 5 years ago.
Compared to 1 year ago, EBO has a worse debt to assets ratio.
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.
With a decent Debt to FCF ratio value of 25.57, EBO is doing good in the industry, outperforming 74.23% of the companies in the same industry.
EBO has a Debt/Equity ratio of 2.72. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of EBO (2.72) is worse than 64.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.72 | ||
| Debt/FCF | 25.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.66%
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 5.30% over the past year.
The Earnings Per Share has been growing by 16.54% on average over the past years. This is quite good.
Looking at the last year, EBO shows a small growth in Revenue. The Revenue has grown by 2.96% in the last year.
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
The Earnings Per Share is expected to grow by 6.96% on average over the next years.
The Revenue is expected to grow by 9.81% on average over the next years. This is quite good.
EPS Next Y4.53%
EPS Next 2Y11.35%
EPS Next 3Y10.12%
EPS Next 5Y6.96%
Revenue Next Year2.86%
Revenue Next 2Y14.01%
Revenue Next 3Y11.22%
Revenue Next 5Y9.81%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.15, the valuation of EBO can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EBO indicates a slightly more expensive valuation: EBO is more expensive than 65.98% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.19. EBO is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.43, the valuation of EBO can be described as reasonable.
69.07% of the companies in the same industry are more expensive than EBO, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, EBO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 9.43 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBO is valued a bit cheaper than the industry average as 73.20% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.46
PEG (5Y)0.67
EPS Next 2Y11.35%
EPS Next 3Y10.12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.55%, EBO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.83, EBO pays a better dividend. On top of this EBO pays more dividend than 88.66% 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 2.33.
| 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.
The dividend of EBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.33%
EPS Next 2Y11.35%
EPS Next 3Y10.12%
FRA:EBO (10/29/2025, 7:00:00 PM)
84.2
+0.35 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.16%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap34.56B
Revenue(TTM)12.27B
Net Income(TTM)3.03B
Analysts79.05
Price Target85.96 (2.09%)
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)4.73%
PT rev (3m)11.33%
EPS NQ rev (1m)-1.49%
EPS NQ rev (3m)-1.49%
EPS NY rev (1m)0%
EPS NY rev (3m)1.03%
Revenue NQ rev (1m)-0.56%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)1.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 9.43 | ||
| P/S | 2.82 | ||
| P/FCF | 13.18 | ||
| P/OCF | 10.16 | ||
| P/B | 1.4 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.55
EY8.97%
EPS(NY)8.93
Fwd EY10.6%
FCF(TTM)6.39
FCFY7.59%
OCF(TTM)8.29
OCFY9.84%
SpS29.9
BVpS60.04
TBVpS56.66
PEG (NY)2.46
PEG (5Y)0.67
Graham Number100.99
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
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-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
WACC16.66%
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 Y4.53%
EPS Next 2Y11.35%
EPS Next 3Y10.12%
EPS Next 5Y6.96%
Revenue 1Y (TTM)2.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%4.86%
Revenue Next Year2.86%
Revenue Next 2Y14.01%
Revenue Next 3Y11.22%
Revenue Next 5Y9.81%
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 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 FAQ
Can you provide the ChartMill fundamental rating for ERSTE GROUP BANK AG?
ChartMill assigns a fundamental rating of 4 / 10 to EBO.DE.
What is the valuation status of ERSTE GROUP BANK AG (EBO.DE) stock?
ChartMill assigns a valuation rating of 4 / 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 is the valuation of ERSTE GROUP BANK AG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ERSTE GROUP BANK AG (EBO.DE) is 11.15 and the Price/Book (PB) ratio is 1.4.
Can you provide the dividend sustainability for EBO stock?
The dividend rating of ERSTE GROUP BANK AG (EBO.DE) is 7 / 10 and the dividend payout ratio is 43.33%.