Update shared on 17 Nov 2025
Fair value Increased 1.86%Analysts have raised their fair value estimate for Eurobank Ergasias Services and Holdings to €3.91 from €3.84. This change reflects improved growth prospects and a lowered discount rate, which supports a higher price target.
Analyst Commentary
Bullish Takeaways
- Bullish analysts have raised price targets for Eurobank, reflecting renewed confidence in the bank's growth trajectory and profitability.
- Improving macroeconomic conditions are seen as supportive for the Greek banking sector. Eurobank is considered well-positioned to benefit from increased lending and investment activity.
- The lowered discount rate suggests greater certainty about future cash flows. This development is viewed as strengthening the bank's valuation outlook.
- Operational efficiency initiatives and consistent execution have improved investor sentiment. These factors indicate a strengthening competitive position for Eurobank in its core markets.
Bearish Takeaways
- Some cautious analysts highlight that rapid valuation increases may outpace underlying earnings growth, raising concerns about sustainability.
- Risks remain regarding asset quality and the potential impact of macroeconomic volatility on loan performance.
- Execution risks persist, particularly around achieving projected growth in a competitive and evolving banking landscape.
What's in the News
- The Board of Eurobank Ergasias Services and Holdings S.A. will meet on October 22, 2025, to consider distributing non-mandatory reserves as an interim dividend of €0.04681 per share. The total distribution would amount to €170,000,000.00, subject to shareholder approval and applicable law (Key Developments).
- A Special/Extraordinary Shareholders Meeting has been scheduled for December 3, 2025, at 10:00 GTB Standard Time (Key Developments).
Valuation Changes
- The Fair Value Estimate has risen slightly, from €3.84 to €3.91 per share.
- The Discount Rate has fallen modestly, from 11.10% to 10.92%.
- The Revenue Growth Projection has increased significantly, moving from 5.91% to 8.81%.
- The Net Profit Margin is projected to decrease slightly, from 42.38% to 41.40%.
- The Future P/E Ratio has reduced, dropping from 11.95x to 11.43x.
Disclaimer
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