Erste Group Bank AG EBKOF

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Price alert · EBKOF

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119.18 USD +0.50 +0.42%

At close · Oct 30

122.75 Day range 122.75
99.78 52-week range 147.53
YTD
-1.58%
1 year
+19.44%
Open
122.75
Prev close
118.68
Mkt cap
46.30B
Vol
100
Avg vol
7.58K
EPS
10.70
P/E
11.14
More statistics
Low
122.75
High
122.75
Earnings
Oct 30, 2026

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Financial health

Altman Z-Score

-0.52 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

C+2 / 5 overall

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

Valuation

P/E 12.5×
FY 2016: 9.6×FY 2017: 11.7×FY 2018: 7.6×FY 2019: 10.3×FY 2020: 15.8×FY 2021: 9.6×FY 2022: 6.1×FY 2023: 5.1×FY 2024: 8.3×FY 2025: 12.5×
FY 2016 5y median 8.3× FY 2025
P/S 2.0×
FY 2016: 1.4×FY 2017: 1.8×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: 2.0×
FY 2016 5y median 1.9× FY 2025
P/B 1.9×
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: 1.0×FY 2025: 1.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 9.9×
FY 2016: 2.2×FY 2017: 5.2×FY 2018: -3.6×FY 2019: -2.1×FY 2020: 0.4×FY 2021: 1.6×FY 2022: -1.4×FY 2023: 7.2×FY 2024: -2.4×FY 2025: 9.9×
FY 2016 5y median 1.6× FY 2025
EV/EBITDA 11.8×
FY 2016: 7.8×FY 2017: 4.6×FY 2018: 3.1×FY 2019: 6.0×FY 2020: -5.4×FY 2021: -3.4×FY 2022: 0.0×FY 2023: 1.5×FY 2024: 4746×FY 2025: 11.8×
FY 2016 5y median 1.5× FY 2025
EV/Sales 3.3×
FY 2016: 2.4×FY 2017: 1.5×FY 2018: 1.0×FY 2019: 1.9×FY 2020: -1.2×FY 2021: -1.3×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 3.0×FY 2025: 3.3×
FY 2016 5y median 0.3× FY 2025
FCF Yield 10.1%
FY 2016: 46.1%FY 2017: 19.4%FY 2018: -27.9%FY 2019: -47.6%FY 2020: 226.2%FY 2021: 63.5%FY 2022: -73.5%FY 2023: 13.8%FY 2024: -41.8%FY 2025: 10.1%
FY 2016 5y median 10.1% FY 2025

Profitability

Gross Margin 55.4%
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: 100.0%FY 2025: 55.4%
FY 2016 5y median 61.4% FY 2025
Operating Margin 25.4%
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: 48.5%FY 2025: 25.4%
FY 2016 5y median 25.4% FY 2025
Net Margin 16.5%
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: 28.3%FY 2025: 16.5%
FY 2016 5y median 16.5% FY 2025
ROE 15.4%
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: 15.4%
FY 2016 5y median 13.5% FY 2025
ROIC 4.4%
FY 2016: 2.7%FY 2017: 3.0%FY 2018: 3.7%FY 2019: 3.1%FY 2020: 1.6%FY 2021: 3.7%FY 2022: 3.6%FY 2023: 4.5%FY 2024: 4.2%FY 2025: 4.4%
FY 2016 5y median 4.2% FY 2025
ROA 1.0%
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: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 92.0%
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: -51.0%FY 2025: 92.0%
FY 2016 FY 2025
Operating Income 0.6%
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: 11.9%FY 2025: 0.6%
FY 2016 FY 2025
EPS (diluted) 14.6%
FY 2016: 29.1%FY 2017: 0.3%FY 2018: 30.6%FY 2019: -15.9%FY 2020: -51.4%FY 2021: 165.6%FY 2022: 15.8%FY 2023: 40.8%FY 2024: 5.7%FY 2025: 14.6%
FY 2016 FY 2025
Free Cash Flow 143.8%
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: 143.8%
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: 0.2×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
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: 1404×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: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 1.8%FY 2017: 3.2%FY 2018: 4.6%FY 2019: 4.7%FY 2020: 1.1%FY 2021: 4.4%FY 2022: 6.0%FY 2023: 5.8%FY 2024: 5.2%FY 2025: 3.2%
FY 2016 5y median 5.2% FY 2025
Payout Ratio 38.3%
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: 38.3%
FY 2016 5y median 38.3% FY 2025

Annual · latest fiscal year ends 2025-12-31