Erste Group Bank AG

BVB:EBS Stock Report

Market Cap: RON 118.2b

Erste Group Bank Past Earnings Performance

Past criteria checks 4/6

Erste Group Bank has been growing earnings at an average annual rate of 24%, while the Banks industry saw earnings growing at 17.8% annually. Revenues have been growing at an average rate of 11.3% per year. Erste Group Bank's return on equity is 13.4%, and it has net margins of 29%.

Key information

24.0%

Earnings growth rate

24.2%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate11.3%
Return on equity13.4%
Net Margin29.0%
Next Earnings Update28 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Erste Group Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BVB:EBS Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2410,6773,1005,1540
30 Jun 2410,4963,0245,0960
31 Mar 2410,4653,0745,0620
31 Dec 2310,2862,8995,0190
30 Sep 239,8762,7224,8680
30 Jun 239,2802,4124,7620
31 Mar 238,7872,1604,5810
31 Dec 228,2492,0654,5750
30 Sep 227,9831,9904,5470
30 Jun 228,0192,0134,4890
31 Mar 227,7611,8694,4380
31 Dec 217,5781,7764,3060
30 Sep 217,1301,4624,2380
30 Jun 216,7731,2724,2090
31 Mar 216,0528404,2130
31 Dec 205,8616694,2210
30 Sep 206,2007794,2460
30 Jun 206,3839274,2520
31 Mar 207,0201,2234,2790
31 Dec 197,2231,3784,2830
30 Sep 197,2011,7114,2400
30 Jun 197,1511,6744,2510
31 Mar 197,0571,7574,2320
31 Dec 186,9711,7174,1810
30 Sep 186,9661,4804,2470
30 Jun 186,9201,3894,2310
31 Mar 186,8321,3134,2050
31 Dec 176,6931,2554,1580
30 Sep 176,5361,0494,0790
30 Jun 176,4351,0244,0510
31 Mar 176,6481,2174,0380
31 Dec 166,6441,2484,0280
30 Sep 166,8531,3693,9800
30 Jun 166,8181,3083,9520
31 Mar 166,4991,0143,9300
31 Dec 156,4419683,8690
30 Sep 156,0648063,8560
30 Jun 155,325-253,7880
31 Mar 155,160-1,2603,7720
31 Dec 144,965-1,3833,7870
30 Sep 144,689-1,7953,7550
30 Jun 145,186-1,1123,8320
31 Mar 145,124-273,8690
31 Dec 135,200-243,8960

Quality Earnings: EBS has high quality earnings.

Growing Profit Margin: EBS's current net profit margins (29%) are higher than last year (27.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: EBS's earnings have grown significantly by 24% per year over the past 5 years.

Accelerating Growth: EBS's earnings growth over the past year (13.9%) is below its 5-year average (24% per year).

Earnings vs Industry: EBS earnings growth over the past year (13.9%) exceeded the Banks industry 12.9%.

Return on Equity

High ROE: EBS's Return on Equity (13.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 00:04
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Dieter HeinAlphaValue
Krishnendra DubeyBarclays
Ivan BokhmatBarclays