Erste Group Bank AG. Logo

Erste Group Bank AG.

EBO.DE

(3.0)
Stock Price

50,04 EUR

0.92% ROA

15.86% ROE

6.29x PER

Market Cap.

19.301.526.601,00 EUR

382.63% DER

5.58% Yield

13.99% NPM

Erste Group Bank AG. Stock Analysis

Erste Group Bank AG. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Erste Group Bank AG. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.07%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.69x), the stock offers substantial upside potential at a bargain price.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 ROA

The stock's ROA (0.91%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (221), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 DER

The stock is burdened with a heavy load of debt (199%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Erste Group Bank AG. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Erste Group Bank AG. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Erste Group Bank AG. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Erste Group Bank AG. Revenue
Year Revenue Growth
2002 3.583.144.000
2003 3.830.903.000 6.47%
2004 4.281.320.000 10.52%
2005 4.373.153.000 2.1%
2006 5.022.011.000 12.92%
2007 6.169.871.000 18.6%
2008 6.406.723.000 3.7%
2009 7.468.354.000 14.22%
2010 7.781.373.000 4.02%
2011 7.377.489.000 -5.47%
2012 7.652.234.000 3.59%
2013 6.856.638.000 -11.6%
2014 6.838.410.000 -0.27%
2015 6.787.666.000 -0.75%
2016 6.817.015.000 0.43%
2017 6.778.629.000 -0.57%
2018 6.909.727.000 1.9%
2019 7.256.837.000 4.78%
2020 7.158.400.000 -1.38%
2021 7.599.200.000 5.8%
2022 8.394.300.000 9.47%
2023 20.823.200.000 59.69%
2023 33.666.110.000 38.15%
2024 23.304.000.000 -44.46%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Erste Group Bank AG. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Erste Group Bank AG. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 2.431.964.000
2003 2.460.755.000 1.17%
2004 657.500.000 -274.26%
2005 628.776.000 -4.57%
2006 2.945.330.000 78.65%
2007 3.642.097.000 19.13%
2008 4.001.898.000 8.99%
2009 3.807.396.000 -5.11%
2010 3.816.782.000 0.25%
2011 3.850.904.000 0.89%
2012 641.300.000 -500.48%
2013 648.400.000 1.1%
2014 633.300.000 -2.38%
2015 674.600.000 6.12%
2016 742.100.000 9.1%
2017 809.100.000 8.28%
2018 1.234.893.000 34.48%
2019 1.205.146.000 -2.47%
2020 1.158.900.000 -3.99%
2021 1.180.300.000 1.81%
2022 834.200.000 -41.49%
2023 1.295.200.000 35.59%
2023 924.000.000 -40.17%
2024 1.372.000.000 32.65%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Erste Group Bank AG. EBITDA
Year EBITDA Growth
2002 4.050.168.000
2003 3.689.112.000 -9.79%
2004 3.712.532.000 0.63%
2005 4.388.283.000 15.4%
2006 5.555.789.000 21.01%
2007 7.780.702.000 28.6%
2008 8.091.175.000 3.84%
2009 7.078.041.000 -14.31%
2010 5.423.512.000 -30.51%
2011 4.919.140.000 -10.25%
2012 4.230.996.000 -16.26%
2013 4.026.009.000 -5.09%
2014 2.485.311.000 -61.99%
2015 3.902.090.000 36.31%
2016 3.835.955.000 -1.72%
2017 3.555.668.000 -7.88%
2018 5.061.785.000 29.75%
2019 2.626.807.000 -92.7%
2020 1.739.900.000 -50.97%
2021 3.055.200.000 43.05%
2022 8.561.195.000 64.31%
2023 4.766.800.000 -79.6%
2023 -340.405.000 1500.33%
2024 -748.000.000 54.49%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Erste Group Bank AG. Gross Profit
Year Gross Profit Growth
2002 3.583.144.000
2003 3.830.903.000 6.47%
2004 4.281.320.000 10.52%
2005 4.373.153.000 2.1%
2006 5.022.011.000 12.92%
2007 6.169.871.000 18.6%
2008 6.406.723.000 3.7%
2009 7.468.354.000 14.22%
2010 7.781.373.000 4.02%
2011 7.377.489.000 -5.47%
2012 7.652.234.000 3.59%
2013 6.856.638.000 -11.6%
2014 6.838.410.000 -0.27%
2015 6.787.666.000 -0.75%
2016 6.817.015.000 0.43%
2017 6.778.629.000 -0.57%
2018 6.909.727.000 1.9%
2019 7.256.837.000 4.78%
2020 7.158.400.000 -1.38%
2021 7.599.200.000 5.8%
2022 8.394.300.000 9.47%
2023 20.823.200.000 59.69%
2023 33.666.110.000 38.15%
2024 23.304.000.000 -44.46%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Erste Group Bank AG. Net Profit
Year Net Profit Growth
2002 255.204.000
2003 353.303.000 27.77%
2004 520.849.000 32.17%
2005 716.713.000 27.33%
2006 932.246.000 23.12%
2007 1.174.695.000 20.64%
2008 859.614.000 -36.65%
2009 903.390.000 4.85%
2010 1.015.419.000 11.03%
2011 -718.900.000 241.25%
2012 483.477.000 248.69%
2013 60.970.000 -692.98%
2014 -1.441.993.000 104.23%
2015 968.164.000 248.94%
2016 1.264.728.000 23.45%
2017 1.316.218.000 3.91%
2018 1.793.446.000 26.61%
2019 1.470.133.000 -21.99%
2020 783.100.000 -87.73%
2021 1.923.400.000 59.29%
2022 2.165.000.000 11.16%
2023 3.278.800.000 33.97%
2023 2.998.000.000 -9.37%
2024 3.384.000.000 11.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Erste Group Bank AG. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 1 0%
2004 218 99.54%
2005 3 -10800%
2006 3 33.33%
2007 4 0%
2008 3 -50%
2009 2 0%
2010 2 -100%
2011 -2 200%
2012 1 0%
2013 0 0%
2014 -3 100%
2015 2 250%
2016 3 0%
2017 3 0%
2018 4 50%
2019 3 -33.33%
2020 2 -200%
2021 4 75%
2022 5 0%
2023 8 50%
2023 7 -33.33%
2024 8 14.29%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Erste Group Bank AG. Free Cashflow
Year Free Cashflow Growth
2002 2.128.000.000
2003 2.295.000.000 7.28%
2004 1.614.000.000 -42.19%
2005 -261.300.000 717.68%
2006 2.871.000.000 109.1%
2007 -352.000.000 915.63%
2008 -3.793.000.000 90.72%
2009 -4.286.000.000 11.5%
2010 -302.000.000 -1319.21%
2011 6.187.000.000 104.88%
2012 3.235.000 -191151.93%
2013 -1.107.000.000 100.29%
2014 -2.325.000.000 52.39%
2015 5.157.000.000 145.08%
2016 5.369.000.000 3.95%
2017 2.843.000.000 -88.85%
2018 -3.448.000.000 182.45%
2019 -6.785.000.000 49.18%
2020 23.943.900.000 128.34%
2021 10.855.700.000 -120.57%
2022 -9.294.000.000 216.8%
2023 -828.000.000 -1022.46%
2023 2.058.000.000 140.23%
2024 94.000.000 -2089.36%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Erste Group Bank AG. Operating Cashflow
Year Operating Cashflow Growth
2002 3.297.000.000
2003 3.618.000.000 8.87%
2004 2.057.000.000 -75.89%
2005 396.000.000 -419.44%
2006 3.497.000.000 88.68%
2007 581.000.000 -501.89%
2008 -2.863.000.000 120.29%
2009 -3.346.000.000 14.44%
2010 320.000.000 1145.63%
2011 6.721.000.000 95.24%
2012 3.962.000 -169536.55%
2013 -433.000.000 100.92%
2014 -1.691.000.000 74.39%
2015 5.930.000.000 128.52%
2016 6.176.000.000 3.98%
2017 3.479.000.000 -77.52%
2018 -2.907.000.000 219.68%
2019 -6.194.000.000 53.07%
2020 24.493.400.000 125.29%
2021 11.403.700.000 -114.78%
2022 -8.815.400.000 229.36%
2023 -706.000.000 -1148.64%
2023 2.586.000.000 127.3%
2024 208.000.000 -1143.27%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Erste Group Bank AG. Capital Expenditure
Year Capital Expenditure Growth
2002 1.169.000.000
2003 1.323.000.000 11.64%
2004 443.000.000 -198.65%
2005 657.300.000 32.6%
2006 626.000.000 -5%
2007 933.000.000 32.9%
2008 930.000.000 -0.32%
2009 940.000.000 1.06%
2010 622.000.000 -51.13%
2011 534.000.000 -16.48%
2012 727.000 -73352.54%
2013 674.000.000 99.89%
2014 634.000.000 -6.31%
2015 773.000.000 17.98%
2016 807.000.000 4.21%
2017 636.000.000 -26.89%
2018 541.000.000 -17.56%
2019 591.000.000 8.46%
2020 549.500.000 -7.55%
2021 548.000.000 -0.27%
2022 478.600.000 -14.5%
2023 122.000.000 -292.3%
2023 528.000.000 76.89%
2024 114.000.000 -363.16%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Erste Group Bank AG. Equity
Year Equity Growth
2002 2.480.902.000
2003 2.790.769.000 11.1%
2004 5.952.246.000 53.11%
2005 6.379.154.000 6.69%
2006 10.904.207.000 41.5%
2007 11.403.276.000 4.38%
2008 11.095.473.000 -2.77%
2009 16.122.764.000 31.18%
2010 17.128.487.000 5.87%
2011 15.179.961.000 -12.84%
2012 16.338.213.000 7.09%
2013 14.781.918.000 -10.53%
2014 13.444.371.000 -9.95%
2015 14.808.997.000 9.21%
2016 16.603.054.000 10.81%
2017 18.288.316.000 9.21%
2018 18.868.720.000 3.08%
2019 20.477.323.000 7.86%
2020 22.410.300.000 8.63%
2021 23.513.400.000 4.69%
2022 25.304.700.000 7.08%
2023 27.687.080.000 8.6%
2023 26.096.419.000 -6.1%
2024 26.285.000.000 0.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Erste Group Bank AG. Assets
Year Assets Growth
2002 118.498.994.000
2003 125.696.300.000 5.73%
2004 5.952.246.000 -2011.75%
2005 6.379.154.000 6.69%
2006 181.703.205.000 96.49%
2007 200.518.841.000 9.38%
2008 201.441.145.000 0.46%
2009 201.710.179.000 0.13%
2010 205.938.023.000 2.05%
2011 210.006.334.000 1.94%
2012 213.823.996.000 1.79%
2013 199.876.142.000 -6.98%
2014 196.287.334.000 -1.83%
2015 199.743.371.000 1.73%
2016 208.227.070.000 4.07%
2017 220.659.433.000 5.63%
2018 236.791.833.000 6.81%
2019 245.692.847.000 3.62%
2020 277.393.700.000 11.43%
2021 307.428.200.000 9.77%
2022 323.865.000.000 5.08%
2023 337.161.094.000 3.94%
2023 337.155.380.000 -0%
2024 344.141.000.000 2.03%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Erste Group Bank AG. Liabilities
Year Liabilities Growth
2002 116.018.092.000
2003 122.905.531.000 5.6%
2004 6.178.548.000 -1889.23%
2005 2.811.085.000 -119.79%
2006 170.798.998.000 98.35%
2007 189.115.565.000 9.69%
2008 190.345.672.000 0.65%
2009 185.587.415.000 -2.56%
2010 188.809.536.000 1.71%
2011 194.826.373.000 3.09%
2012 197.485.783.000 1.35%
2013 185.094.224.000 -6.69%
2014 182.842.963.000 -1.23%
2015 184.934.374.000 1.13%
2016 191.624.016.000 3.49%
2017 202.371.117.000 5.31%
2018 217.923.113.000 7.14%
2019 30.886.068.000 -605.57%
2020 31.235.700.000 1.12%
2021 32.718.100.000 4.53%
2022 298.560.300.000 89.04%
2023 41.772.039.000 -614.74%
2023 311.058.964.000 86.57%
2024 317.856.000.000 2.14%

Erste Group Bank AG. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
55.04
Net Income per Share
7.7
Price to Earning Ratio
6.29x
Price To Sales Ratio
0.86x
POCF Ratio
3.57
PFCF Ratio
3.86
Price to Book Ratio
1.04
EV to Sales
1.73
EV Over EBITDA
39.92
EV to Operating CashFlow
7.03
EV to FreeCashFlow
7.76
Earnings Yield
0.16
FreeCashFlow Yield
0.26
Market Cap
19,30 Bil.
Enterprise Value
38,87 Bil.
Graham Number
90
Graham NetNet
-772.09

Income Statement Metrics

Net Income per Share
7.7
Income Quality
1.58
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
0.6
EBT Per Ebit
0.68
Ebit per Revenue
0.34
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.23
Net Profit Margin
0.14

Dividends

Dividend Yield
0.06
Dividend Yield %
5.58
Payout Ratio
0.38
Dividend Per Share
2.7

Operating Metrics

Operating Cashflow per Share
13.57
Free CashFlow per Share
12.29
Capex to Operating CashFlow
0.09
Capex to Revenue
0.02
Capex to Depreciation
0.99
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
41.1
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.28

Balance Sheet

Cash per Share
13,00
Book Value per Share
64,51
Tangible Book Value per Share
61.37
Shareholders Equity per Share
46.75
Interest Debt per Share
202.53
Debt to Equity
3.83
Debt to Assets
0.21
Net Debt to EBITDA
20.1
Current Ratio
0.14
Tangible Asset Value
25,00 Bil.
Net Current Asset Value
-288,19 Bil.
Invested Capital
-176423000000
Working Capital
-180,36 Bil.
Intangibles to Total Assets
0
Average Receivables
2,47 Bil.
Average Payables
0,00 Bil.
Average Inventory
-7547951000
Debt to Market Cap
3.78

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Erste Group Bank AG. Dividends
Year Dividends Growth
2009 1
2010 1 0%
2011 1 0%
2013 0 0%
2014 0 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2021 2 50%
2022 2 -100%
2023 2 0%
2024 3 50%

Erste Group Bank AG. Profile

About Erste Group Bank AG.

Erste Group Bank AG engages in the provision of banking and financial services. The company is headquartered in Wien, Wien and currently employs 46,907 full-time employees. The firm offers a range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, portfolio management, project finance, foreign trade financing, corporate finance, capital market and money market services, foreign exchange trading, leasing and factoring. The firm operates through nine segments: Retail, SME, Asset/Liability Management & Local Corporate Center (ALM & Local CC), Savings Banks, Large Corporates, Commercial Real Estate, Other Corporate, Group Markets and Group Corporate Center (GCC). The firm operates approximately 2,800 branches. The firm offers services in Austria, Central and Eastern Europe (CEE), Czech Republic, Slovakia, Romania, Hungary, Croatia and Serbia. The firm offers personal, corporates and private banking services.

CEO
Dr. Peter Bosek MP
Employee
45.398
Address
Am Belvedere 1
WIEN, 1100

Erste Group Bank AG. Executives & BODs

Erste Group Bank AG. Executives & BODs
# Name Age
1 Mr. Gernot Mittendorfer M.B.A., MP
Consultant
70
2 Mr. Thomas Sommerauer
Head of Group Investor Relations
70
3 Mr. Stefan Dorfler
Chief Financial Officer & Member of Management Board
70
4 Magistrate Ingo Bleier C.F.A.
Chief Corporates & Markets Officer and Member of Management Board
70
5 Mr. Maurizio Poletto
Chief Operating Officer, Chief Platform Officer & Member of Management Board
70
6 Magistrate Willibald Cernko
Advisor
70
7 Dr. Peter Bosek MP
Chairman of the Management Board, Chief Executive Officer & Chief Retail Officer
70
8 Mr. Johannes Leobacher
Head of Corporate and Investment Banking Division
70
9 Mr. Henning Esskuchen
Head of Equity Research CEE
70
10 Magistrate Alexandra Habeler-Drabek Mag.
Chief Risk Officer & Member of Management Board
70

Erste Group Bank AG. Competitors