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EAB Group Oyj HLSE:EAB Stock Report

Last Price


Market Cap







19 May, 2022


Company Financials +
EAB fundamental analysis
Snowflake Score
Future Growth4/6
Past Performance5/6
Financial Health5/6

EAB Stock Overview

EAB Group Oyj is a publicly owned investment manager.

EAB Group Oyj Competitors













Price History & Performance

Summary of all time highs, changes and price drops for EAB Group Oyj
Historical stock prices
Current Share Price€2.99
52 Week High€3.70
52 Week Low€2.50
1 Month Change5.28%
3 Month Change3.46%
1 Year Change-12.32%
3 Year Change5.28%
5 Year Change-3.24%
Change since IPO-43.26%

Recent News & Updates

Shareholder Returns

EABFI Capital MarketsFI Market

Return vs Industry: EAB underperformed the Finnish Capital Markets industry which returned 0.9% over the past year.

Return vs Market: EAB matched the Finnish Market which returned -11.7% over the past year.

Price Volatility

Is EAB's price volatile compared to industry and market?
EAB volatility
EAB Average Weekly Movement7.3%
Capital Markets Industry Average Movement6.0%
Market Average Movement6.2%
10% most volatile stocks in FI Market9.0%
10% least volatile stocks in FI Market4.4%

Stable Share Price: EAB is not significantly more volatile than the rest of Finnish stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: EAB's weekly volatility (7%) has been stable over the past year.

About the Company

n/a81Daniel Pasternack

EAB Group Oyj is a publicly owned investment manager. The firm provides its services to private customers, companies and institutions. It manages mutual funds and special investment funds.

EAB Group Oyj Fundamentals Summary

How do EAB Group Oyj's earnings and revenue compare to its market cap?
EAB fundamental statistics
Market Cap€41.30m
Earnings (TTM)€2.10m
Revenue (TTM)€22.10m


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EAB income statement (TTM)
Cost of Revenue€4.50m
Gross Profit€17.60m
Other Expenses€15.50m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

Aug 05, 2022

Earnings per share (EPS)0.15
Gross Margin79.64%
Net Profit Margin9.50%
Debt/Equity Ratio22.3%

How did EAB perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is EAB Group Oyj undervalued compared to its fair value and its price relative to the market?

Valuation Score


Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: EAB (€2.99) is trading above our estimate of fair value (€0.54)

Significantly Below Fair Value: EAB is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: EAB is poor value based on its PE Ratio (19.7x) compared to the Finnish Capital Markets industry average (14.4x).

PE vs Market: EAB is poor value based on its PE Ratio (19.7x) compared to the Finnish market (17.6x).

Price to Earnings Growth Ratio

PEG Ratio: EAB is poor value based on its PEG Ratio (1.2x)

Price to Book Ratio

PB vs Industry: EAB is good value based on its PB Ratio (2x) compared to the FI Capital Markets industry average (2.3x).

Future Growth

How is EAB Group Oyj forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score


Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: EAB's forecast earnings growth (16.3% per year) is above the savings rate (0.2%).

Earnings vs Market: EAB's earnings (16.3% per year) are forecast to grow faster than the Finnish market (8.1% per year).

High Growth Earnings: EAB's earnings are forecast to grow, but not significantly.

Revenue vs Market: EAB's revenue (8.1% per year) is forecast to grow faster than the Finnish market (2.9% per year).

High Growth Revenue: EAB's revenue (8.1% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: EAB's Return on Equity is forecast to be high in 3 years time (22.1%)

Past Performance

How has EAB Group Oyj performed over the past 5 years?

Past Performance Score


Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: EAB has high quality earnings.

Growing Profit Margin: EAB's current net profit margins (9.5%) are higher than last year (1.6%).

Past Earnings Growth Analysis

Earnings Trend: EAB's earnings have grown significantly by 29.2% per year over the past 5 years.

Accelerating Growth: EAB's earnings growth over the past year (600%) exceeds its 5-year average (29.2% per year).

Earnings vs Industry: EAB earnings growth over the past year (600%) exceeded the Capital Markets industry 66%.

Return on Equity

High ROE: EAB's Return on Equity (10.7%) is considered low.

Financial Health

How is EAB Group Oyj's financial position?

Financial Health Score


Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: EAB's short term assets (€12.4M) exceed its short term liabilities (€7.8M).

Long Term Liabilities: EAB's short term assets (€12.4M) exceed its long term liabilities (€5.0M).

Debt to Equity History and Analysis

Debt Level: EAB's net debt to equity ratio (14.1%) is considered satisfactory.

Reducing Debt: EAB's debt to equity ratio has increased from 14.7% to 22.3% over the past 5 years.

Debt Coverage: EAB's debt is well covered by operating cash flow (121.7%).

Interest Coverage: EAB's interest payments on its debt are well covered by EBIT (13.5x coverage).

Balance Sheet


What is EAB Group Oyj current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: EAB's dividend (3.68%) is higher than the bottom 25% of dividend payers in the Finnish market (2.38%).

High Dividend: EAB's dividend (3.68%) is low compared to the top 25% of dividend payers in the Finnish market (4.74%).

Stability and Growth of Payments

Stable Dividend: EAB has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: EAB's dividend payments have increased, but the company has only paid a dividend for 6 years.

Earnings Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (72.3%), EAB's dividend payments are covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: With its reasonably low cash payout ratio (33.8%), EAB's dividend payments are well covered by cash flows.

Discover strong dividend paying companies


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Daniel Pasternack (48 yo)



Mr. Daniel Pasternack has been the Chief Executive Officer of EAB Group Oyj (alternate name: Elite Pankkiiriliike Oy) since 2012 and served as its Director. He holds a Ph.D. in finance.

Leadership Team

Experienced Management: EAB's management team is considered experienced (2.3 years average tenure).

Board Members

Experienced Board: EAB's board of directors are considered experienced (3.7 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

EAB Group Oyj's employee growth, exchange listings and data sources

Key Information

  • Name: EAB Group Oyj
  • Ticker: EAB
  • Exchange: HLSE
  • Founded: NaN
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Implied Market Cap: €41.299m
  • Shares outstanding: 13.81m
  • Website:

Number of Employees


  • EAB Group Oyj
  • Kluuvikatu 3
  • 3rd Floor
  • Helsinki
  • Uusimaa
  • 100
  • Finland


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/19 00:00
End of Day Share Price2022/05/19 00:00
Annual Earnings2021/12/31

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.