EFGA Stock Overview

Provides retail banking, corporate and private banking, asset management, treasury, capital market, and other services primarily in Greece, rest of Europe, and internationally. More details

EFGA fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 52.7% below our estimate of its fair value

Earnings grew by 14.4% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 4.1% per year for the next 3 years

Volatile share price over the past 3 months compared to the German market

My Notes

Capture your thoughts, links and company narrative

Eurobank Ergasias Services and Holdings S.A. Competitors

Commerzbank

XTRA:CBK

€18.1b

ProCredit Holding

XTRA:PCZ

€454.7m

Merkur PrivatBank KgaA

XTRA:MBK

€103.5m

Bank Syariah Indonesia

IDX:BRIS

Rp126.9t

Price History & Performance

Summary of share price highs, lows and changes for Eurobank Ergasias Services and Holdings
Historical stock prices
Current Share Price	€0.97
52 Week High	€1.10
52 Week Low	€0.69
Beta	1.72
1 Month Change	12.72%
3 Month Change	10.80%
1 Year Change	37.32%
3 Year Change	147.46%
5 Year Change	144.97%
Change since IPO	144.97%

Recent updates

Shareholder Returns

	EFGA	DE Banks	DE Market
7D	-1.0%	-1.0%	-2.6%
1Y	37.3%	20.4%	7.1%

Return vs Industry: EFGA exceeded the German Banks industry which returned 20.4% over the past year.

Return vs Market: EFGA exceeded the German Market which returned 7.1% over the past year.

Price Volatility

Is EFGA's price volatile compared to industry and market?
EFGA volatility
EFGA Average Weekly Movement	7.9%
Banks Industry Average Movement	3.1%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: EFGA's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: EFGA's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
1924	11,492	Fokion Karavias	www.eurobankholdings.gr

Eurobank Ergasias Services and Holdings S.A., together with its subsidiaries, provides retail banking, corporate and private banking, asset management, treasury, capital market, and other services primarily in Greece, rest of Europe, and internationally. It operates through Retail, Corporate, Global Markets & Asset Management, International, Remedial and Servicing Strategy, and Investment Property. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, mortgages, overdrafts, loans and other credit facilities, foreign currency and derivative products to corporate entities, custody and clearing services, and cash management and trade services, as well as corporate finance, and merger and acquisitions advice services.

Eurobank Ergasias Services and Holdings S.A. Fundamentals Summary

How do Eurobank Ergasias Services and Holdings's earnings and revenue compare to its market cap?
EFGA fundamental statistics
Market cap	€8.27b
Earnings (TTM)	€1.43b
Revenue (TTM)	€2.84b

5.8x

P/E Ratio

0.9x

P/B Ratio

Is EFGA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EFGA income statement (TTM)
Revenue	€2.84b
Cost of Revenue	€0
Gross Profit	€2.84b
Other Expenses	€1.41b
Earnings	€1.43b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.39
Gross Margin	100.00%
Net Profit Margin	50.26%
Debt/Equity Ratio	141.1%

How did EFGA perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 23:25
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Eurobank Ergasias Services and Holdings S.A. is covered by 35 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Nikos Katsenos	Alpha Finance Investment Services S.A.
Eleni Ismailou	Axia Ventures Group Ltd
Constantinos Zouzoulas	Axia Ventures Group Ltd