EBKDY

Erste Group Bank AG

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Price alert · EBKDY

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60.77 USD +0.99 +1.66%
As of Oct 30, 2026
59.86 Day range 60.86
49.09 52-week range 72.90
YTD
+0.88%
1 year
+23.79%
Open
60.59
Prev close
59.78
Mkt cap
47.21B
Vol
9.39K
Avg vol
135.76K
EPS
5.42
P/E
11.21
More statistics
Low
59.86
High
60.86
Earnings
Oct 30, 2026

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Financial health

Altman Z-Score

-0.44 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 24.9×
FY 2016: 9.5×FY 2017: 12.4×FY 2018: 6.9×FY 2019: 10.4×FY 2020: 13.5×FY 2021: 10.1×FY 2022: 6.2×FY 2023: 5.4×FY 2024: 14.8×FY 2025: 24.9×
FY 2016 5y median 10.1× FY 2025
P/S 4.1×
FY 2016: 1.4×FY 2017: 1.9×FY 2018: 1.3×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.9×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 2.1×FY 2025: 4.1×
FY 2016 5y median 1.9× FY 2025
P/B 3.7×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 2.0×FY 2025: 3.7×
FY 2016 5y median 1.0× FY 2025
P/FCF 25.5×
FY 2016: 2.1×FY 2017: 5.5×FY 2018: -3.6×FY 2019: -2.1×FY 2020: 0.4×FY 2021: 1.7×FY 2022: -1.4×FY 2023: 7.7×FY 2024: -4.7×FY 2025: 25.5×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 18.8×
FY 2016: 7.8×FY 2017: 4.9×FY 2018: 3.1×FY 2019: 6.0×FY 2020: -5.4×FY 2021: -3.2×FY 2022: 0.0×FY 2023: 1.6×FY 2024: 10.1×FY 2025: 18.8×
FY 2016 5y median 1.6× FY 2025
EV/Sales 5.4×
FY 2016: 2.4×FY 2017: 1.6×FY 2018: 1.0×FY 2019: 1.9×FY 2020: -1.2×FY 2021: -1.2×FY 2022: 0.0×FY 2023: 0.4×FY 2024: 2.5×FY 2025: 5.4×
FY 2016 5y median 0.4× FY 2025
FCF Yield 3.9%
FY 2016: 46.7%FY 2017: 18.3%FY 2018: -28.0%FY 2019: -47.5%FY 2020: 226.4%FY 2021: 60.6%FY 2022: -73.1%FY 2023: 13.1%FY 2024: -21.1%FY 2025: 3.9%
FY 2016 5y median 3.9% FY 2025

Profitability

Gross Margin 57.1%
FY 2016: 82.0%FY 2017: 84.2%FY 2018: 74.5%FY 2019: 74.7%FY 2020: 80.0%FY 2021: 82.5%FY 2022: 61.4%FY 2023: 45.7%FY 2024: 48.5%FY 2025: 57.1%
FY 2016 5y median 57.1% FY 2025
Operating Margin 25.2%
FY 2016: 23.2%FY 2017: 25.8%FY 2018: 26.9%FY 2019: 24.0%FY 2020: 15.3%FY 2021: 31.9%FY 2022: 23.5%FY 2023: 21.2%FY 2024: 22.2%FY 2025: 25.2%
FY 2016 5y median 23.5% FY 2025
Net Margin 16.4%
FY 2016: 15.0%FY 2017: 16.4%FY 2018: 19.3%FY 2019: 15.1%FY 2020: 8.7%FY 2021: 20.9%FY 2022: 15.8%FY 2023: 13.3%FY 2024: 13.9%FY 2025: 16.4%
FY 2016 5y median 15.8% FY 2025
ROE 14.8%
FY 2016: 10.2%FY 2017: 9.5%FY 2018: 12.5%FY 2019: 9.4%FY 2020: 4.5%FY 2021: 10.7%FY 2022: 11.2%FY 2023: 13.8%FY 2024: 13.5%FY 2025: 14.8%
FY 2016 5y median 13.5% FY 2025
ROIC 4.3%
FY 2016: 2.7%FY 2017: 3.0%FY 2018: -2.7%FY 2019: 3.1%FY 2020: 1.6%FY 2021: 3.7%FY 2022: -2.6%FY 2023: 4.5%FY 2024: 3.9%FY 2025: 4.3%
FY 2016 5y median 3.9% FY 2025
ROA 0.9%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.8%FY 2019: 0.6%FY 2020: 0.3%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -8.4%
FY 2016: -4.1%FY 2017: -4.3%FY 2018: 15.2%FY 2019: 4.7%FY 2020: -7.7%FY 2021: 2.8%FY 2022: 48.6%FY 2023: 65.0%FY 2024: -0.5%FY 2025: -8.4%
FY 2016 FY 2025
Operating Income 3.8%
FY 2016: 19.0%FY 2017: 6.5%FY 2018: 20.1%FY 2019: -6.6%FY 2020: -41.3%FY 2021: 114.4%FY 2022: 9.8%FY 2023: 48.8%FY 2024: 4.2%FY 2025: 3.8%
FY 2016 FY 2025
EPS (diluted) 2.5%
FY 2016: 29.1%FY 2017: 0.3%FY 2018: 42.9%FY 2019: -23.1%FY 2020: -43.0%FY 2021: 126.6%FY 2022: 15.8%FY 2023: 40.8%FY 2024: -41.2%FY 2025: 2.5%
FY 2016 FY 2025
Free Cash Flow 133.6%
FY 2016: 21.4%FY 2017: -48.6%FY 2018: -221.3%FY 2019: -96.8%FY 2020: 452.9%FY 2021: -54.7%FY 2022: -185.6%FY 2023: 122.1%FY 2024: -575.0%FY 2025: 133.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.4×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 2.4×
FY 2016: 2.2×FY 2017: 1.8×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 1.8×FY 2021: 1.8×FY 2022: 1.9×FY 2023: 2.1×FY 2024: 2.3×FY 2025: 2.4×
FY 2016 5y median 2.1× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 3.2×FY 2017: -1.0×FY 2018: -0.9×FY 2019: 1.3×FY 2020: -10.8×FY 2021: -8.3×FY 2022: -3.3×FY 2023: -1.3×FY 2024: 1.8×FY 2025: 4.7×
FY 2016 5y median -1.3× FY 2025
Interest Coverage 0.6×
FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.8×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 1.9%FY 2017: 3.0%FY 2018: 4.6%FY 2019: 4.6%FY 2020: 1.1%FY 2021: 4.2%FY 2022: 5.9%FY 2023: 5.5%FY 2024: 2.6%FY 2025: 1.6%
FY 2016 5y median 4.2% FY 2025
Payout Ratio 39.9%
FY 2016: 17.6%FY 2017: 35.7%FY 2018: 31.7%FY 2019: 45.1%FY 2020: 14.6%FY 2021: 39.3%FY 2022: 34.8%FY 2023: 29.0%FY 2024: 38.9%FY 2025: 39.9%
FY 2016 5y median 38.9% FY 2025

Annual · latest fiscal year ends 2025-12-31