EBO Stock Overview

Provides a range of banking and other financial services to retail, corporate, and public sector customers. More details

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

Rewards

Trading at 56.7% below our estimate of its fair value

Earnings grew by 13.9% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 2% per year for the next 3 years

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Erste Group Bank AG Competitors

Commerzbank

XTRA:CBK

€18.1b

ProCredit Holding

XTRA:PCZ

€454.7m

Merkur PrivatBank KgaA

XTRA:MBK

€103.5m

National Bank of KuwaitK.P

KWSE:NBK

د.ك7.2b

Price History & Performance

Summary of share price highs, lows and changes for Erste Group Bank
Historical stock prices
Current Share Price	€58.78
52 Week High	€59.30
52 Week Low	€35.98
Beta	1.52
1 Month Change	13.56%
3 Month Change	21.62%
1 Year Change	63.37%
3 Year Change	44.03%
5 Year Change	73.24%
Change since IPO	379.84%

Recent updates

Shareholder Returns

	EBO	DE Banks	DE Market
7D	-0.8%	-1.0%	-2.6%
1Y	63.4%	20.4%	7.1%

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

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

Price Volatility

Is EBO's price volatile compared to industry and market?
EBO volatility
EBO Average Weekly Movement	2.8%
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: EBO has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: EBO's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1819	45,431	Peter Bosek	www.erstegroup.com

Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, and public sector customers. The company operates through Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and Group Corporate Center segments. It provides mortgage and consumer loans, investment products, current accounts, savings products, and credit cards, as well as cross selling products, such as leasing, insurance, and building society products.

Erste Group Bank AG Fundamentals Summary

How do Erste Group Bank's earnings and revenue compare to its market cap?
EBO fundamental statistics
Market cap	€23.75b
Earnings (TTM)	€3.10b
Revenue (TTM)	€10.68b

7.7x

P/E Ratio

1.0x

P/B Ratio

Is EBO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EBO income statement (TTM)
Revenue	€10.68b
Cost of Revenue	€0
Gross Profit	€10.68b
Other Expenses	€7.58b
Earnings	€3.10b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 28, 2025

Earnings per share (EPS)	7.68
Gross Margin	100.00%
Net Profit Margin	29.03%
Debt/Equity Ratio	201.3%

How did EBO perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

36%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 01:53
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

Erste Group Bank AG is covered by 45 analysts. 12 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
Dieter Hein	AlphaValue
Krishnendra Dubey	Barclays
Ivan Bokhmat	Barclays