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

FRA:EBO • AT0000652011

Current stock price

105.2 EUR
-0.8 (-0.75%)
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.
  • In the past year EBO had a positive cash flow from operations.
  • Each year in the past 5 years EBO has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: EBO reported negative operating cash flow in multiple 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 2025 0 10B 20B

1.2 Ratios

  • The Return On Assets of EBO (0.91%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 12.82%, EBO is in the better half of the industry, outperforming 64.55% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 12.82%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.77%
ROE(3y)13.05%
ROE(5y)11.94%
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 2025 2 4 6 8 10

1.3 Margins

  • EBO has a better Profit Margin (26.63%) than 70.00% of its industry peers.
  • In the last couple of years the Profit Margin of EBO has grown nicely.
  • The Operating Margin and Gross Margin are not available for EBO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.78%
PM growth 5Y25.02%
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 2025 5 10 15 20 25

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2

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.
  • The number of shares outstanding for EBO remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, EBO has less shares outstanding
  • Compared to 1 year ago, EBO has an improved debt to assets ratio.
EBO.DE Yearly Shares OutstandingEBO.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of EBO is 19.69, which is on the high side as it means it would take EBO, 19.69 years of fcf income to pay off all of its debts.
  • EBO's Debt to FCF ratio of 19.69 is in line compared to the rest of the industry. EBO outperforms 59.09% of its industry peers.
  • EBO has a Debt/Equity ratio of 2.46. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of EBO (2.46) is worse than 64.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.46
Debt/FCF 19.69
Altman-Z N/A
ROIC/WACCN/A
WACC13.32%
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 2025 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 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. EBO.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.53% over the past year.
  • Measured over the past years, EBO shows a very strong growth in Earnings Per Share. The EPS has been growing by 37.29% on average per year.
  • The Revenue has been growing slightly by 5.30% in the past year.
  • The Revenue has been growing by 10.55% on average over the past years. This is quite good.
EPS 1Y (TTM)16.53%
EPS 3Y19.31%
EPS 5Y37.29%
EPS Q2Q%58.65%
Revenue 1Y (TTM)5.3%
Revenue growth 3Y8.25%
Revenue growth 5Y10.55%
Sales Q2Q%7.45%

3.2 Future

  • EBO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.78% yearly.
  • EBO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.73% yearly.
EPS Next Y15.34%
EPS Next 2Y13.07%
EPS Next 3Y11.1%
EPS Next 5Y6.78%
Revenue Next Year36.93%
Revenue Next 2Y19.38%
Revenue Next 3Y14.03%
Revenue Next 5Y10.73%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

  • The Price/Earnings ratio is 12.54, which indicates a correct valuation of EBO.
  • 70.91% of the companies in the same industry are cheaper than EBO, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of EBO to the average of the S&P500 Index (27.53), we can say EBO is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.87, the valuation of EBO can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as EBO.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.95, EBO is valued rather cheaply.
Industry RankSector Rank
PE 12.54
Fwd PE 10.87
EBO.DE Price Earnings VS Forward Price EarningsEBO.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • EBO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EBO is cheaper than 62.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.14
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.82
PEG (5Y)0.34
EPS Next 2Y13.07%
EPS Next 3Y11.1%

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

8

5. EBO.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.55%, EBO is a good candidate for dividend investing.
  • EBO's Dividend Yield is rather good when compared to the industry average which is at 4.56. EBO pays more dividend than 90.91% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, EBO pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.55%

5.2 History

  • On average, the dividend of EBO grows each year by 65.02%, which is quite nice.
Dividend Growth(5Y)65.02%
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

  • 39.86% of the earnings are spent on dividend by EBO. This is a low number and sustainable payout ratio.
  • The dividend of EBO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.86%
EPS Next 2Y13.07%
EPS Next 3Y11.1%
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 2025 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 (4/16/2026, 7:00:00 PM)

105.2

-0.8 (-0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners38.3%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap43.19B
Revenue(TTM)12.66B
Net Income(TTM)3.37B
Analysts74.55
Price Target104.11 (-1.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.55%
Yearly Dividend3.46
Dividend Growth(5Y)65.02%
DP39.86%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.44%
Min EPS beat(2)2.31%
Max EPS beat(2)6.57%
EPS beat(4)3
Avg EPS beat(4)6.92%
Min EPS beat(4)-4.99%
Max EPS beat(4)23.8%
EPS beat(8)6
Avg EPS beat(8)4.55%
EPS beat(12)10
Avg EPS beat(12)5.77%
EPS beat(16)14
Avg EPS beat(16)7.19%
Revenue beat(2)2
Avg Revenue beat(2)0.6%
Min Revenue beat(2)0.29%
Max Revenue beat(2)0.9%
Revenue beat(4)3
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-1.44%
Max Revenue beat(4)0.9%
Revenue beat(8)7
Avg Revenue beat(8)1.09%
Revenue beat(12)10
Avg Revenue beat(12)1.92%
Revenue beat(16)14
Avg Revenue beat(16)6.47%
PT rev (1m)0.55%
PT rev (3m)9.21%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)14.41%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)2.84%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)34.12%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)3.72%
Valuation
Industry RankSector Rank
PE 12.54
Fwd PE 10.87
P/S 3.41
P/FCF 13.14
P/OCF 10.69
P/B 1.64
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)8.39
EY7.98%
EPS(NY)9.68
Fwd EY9.2%
FCF(TTM)8
FCFY7.61%
OCF(TTM)9.84
OCFY9.35%
SpS30.85
BVpS64.06
TBVpS60.62
PEG (NY)0.82
PEG (5Y)0.34
Graham Number109.969 (4.53%)
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 12.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.63%
GM N/A
FCFM 25.95%
ROA(3y)0.87%
ROA(5y)0.77%
ROE(3y)13.05%
ROE(5y)11.94%
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 3Y8.78%
PM growth 5Y25.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.46
Debt/FCF 19.69
Debt/EBITDA N/A
Cap/Depr 136.91%
Cap/Sales 5.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.32%
ROIC/WACCN/A
Cap/Depr(3y)118.37%
Cap/Depr(5y)105.2%
Cap/Sales(3y)5.65%
Cap/Sales(5y)5.66%
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 Y15.34%
EPS Next 2Y13.07%
EPS Next 3Y11.1%
EPS Next 5Y6.78%
Revenue 1Y (TTM)5.3%
Revenue growth 3Y8.25%
Revenue growth 5Y10.55%
Sales Q2Q%7.45%
Revenue Next Year36.93%
Revenue Next 2Y19.38%
Revenue Next 3Y14.03%
Revenue Next 5Y10.73%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y133.62%
FCF growth 3YN/A
FCF growth 5Y-32.78%
OCF growth 1Y144.73%
OCF growth 3YN/A
OCF growth 5Y-30.27%

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 4 / 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.


What is the profitability of EBO stock?

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


Can you provide the financial health for EBO stock?

The financial health rating of ERSTE GROUP BANK AG (EBO.DE) is 2 / 10.


Is the dividend of ERSTE GROUP BANK AG sustainable?

The dividend rating of ERSTE GROUP BANK AG (EBO.DE) is 8 / 10 and the dividend payout ratio is 39.86%.