ERSTE GROUP BANK AG (EBO.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:EBO - AT0000652011 - Common Stock
90.3 EUR
+1.35 (+1.52%)
EBO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of EBO have multiple concerns. 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.
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.
1.2 Ratios
EBO's Return On Assets of 0.84% is in line compared to the rest of the industry. EBO outperforms 56.48% of its industry peers.
Looking at the Return On Equity, with a value of 11.91%, EBO is in line with its industry, outperforming 54.63% of the companies in the same 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
With a Profit Margin value of 24.78%, EBO perfoms like the industry average, outperforming 57.41% 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) | 24.78% | ||
| 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
EBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
EBO has less shares outstanding than it did 1 year ago.
EBO has less shares outstanding than it did 5 years ago.
The debt/assets ratio for EBO is higher compared to a year ago.
2.2 Solvency
EBO has a debt to FCF ratio of 30.85. This is a negative value and a sign of low solvency as EBO would need 30.85 years to pay back of all of its debts.
EBO has a Debt to FCF ratio of 30.85. This is in the better half of the industry: EBO outperforms 68.52% of its industry peers.
A Debt/Equity ratio of 2.62 is on the high side and indicates that EBO has dependencies on debt financing.
EBO has a Debt to Equity ratio of 2.62. This is in the lower half of the industry: EBO underperforms 62.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.62 | ||
| Debt/FCF | 30.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.53%
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 2.70% over the past year.
EBO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.54% yearly.
The Revenue has been growing slightly by 0.96% in the past 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)2.7%
EPS 3Y27.54%
EPS 5Y16.54%
EPS Q2Q%2.8%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%4.32%
3.2 Future
EBO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.52% yearly.
EBO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.28% yearly.
EPS Next Y6.58%
EPS Next 2Y12.21%
EPS Next 3Y10.68%
EPS Next 5Y9.52%
Revenue Next Year3.44%
Revenue Next 2Y16.15%
Revenue Next 3Y11.94%
Revenue Next 5Y10.28%
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 11.87, the valuation of EBO can be described as very reasonable.
72.22% 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 (25.98), we can say EBO is valued rather cheaply.
A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of EBO.
EBO's Price/Forward Earnings ratio is in line with the industry average.
EBO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.87 | ||
| Fwd PE | 9.96 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EBO is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.04 | ||
| 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)1.8
PEG (5Y)0.72
EPS Next 2Y12.21%
EPS Next 3Y10.68%
5. Dividend
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 4.85. EBO pays more dividend than 89.81% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, EBO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
5.2 History
On average, the dividend of EBO grows each year by 13.75%, which is quite nice.
Dividend Growth(5Y)13.75%
Div Incr Years3
Div Non Decr Years3
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.
EBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.11%
EPS Next 2Y12.21%
EPS Next 3Y10.68%
FRA:EBO (11/24/2025, 7:00:00 PM)
90.3
+1.35 (+1.52%)
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 Cap37.07B
Revenue(TTM)12.30B
Net Income(TTM)3.05B
Analysts73.64
Price Target93.8 (3.88%)
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 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)9.12%
PT rev (3m)16.75%
EPS NQ rev (1m)11.26%
EPS NQ rev (3m)9.8%
EPS NY rev (1m)1.97%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)3.17%
Revenue NQ rev (3m)2.85%
Revenue NY rev (1m)0.56%
Revenue NY rev (3m)1.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.87 | ||
| Fwd PE | 9.96 | ||
| P/S | 3.01 | ||
| P/FCF | 17.04 | ||
| P/OCF | 12.82 | ||
| P/B | 1.45 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.61
EY8.43%
EPS(NY)9.07
Fwd EY10.04%
FCF(TTM)5.3
FCFY5.87%
OCF(TTM)7.04
OCFY7.8%
SpS29.96
BVpS62.35
TBVpS58.96
PEG (NY)1.8
PEG (5Y)0.72
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
WACC16.53%
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 3Y27.54%
EPS 5Y16.54%
EPS Q2Q%2.8%
EPS Next Y6.58%
EPS Next 2Y12.21%
EPS Next 3Y10.68%
EPS Next 5Y9.52%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y12.05%
Revenue growth 5Y8.68%
Sales Q2Q%4.32%
Revenue Next Year3.44%
Revenue Next 2Y16.15%
Revenue Next 3Y11.94%
Revenue Next 5Y10.28%
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 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 11.87 and the Price/Book (PB) ratio is 1.45.
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 43.11%.