Eurobank Ergasias Services and Holdings S.A. Logo

Eurobank Ergasias Services and Holdings S.A.

EGFEF

(2.8)
Stock Price

2,14 USD

1.45% ROA

14.6% ROE

6.26x PER

Market Cap.

7.296.778.865,55 USD

129.79% DER

5.02% Yield

31.32% NPM

Eurobank Ergasias Services and Holdings S.A. Stock Analysis

Eurobank Ergasias Services and Holdings S.A. 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.

Eurobank Ergasias Services and Holdings S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.76%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (0.76x), the stock offers substantial upside potential at a bargain price.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 ROA

The stock's ROA (1.32%) 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 DER

The stock maintains a fair debt to equity ratio (75%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

8 Graham Number

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

9 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.

10 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-3) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Eurobank Ergasias Services and Holdings S.A. 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.

Eurobank Ergasias Services and Holdings S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Buy
4 Stoch RSI Hold

Eurobank Ergasias Services and Holdings S.A. 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.

Eurobank Ergasias Services and Holdings S.A. Revenue
Year Revenue Growth
2003 1.215.295.000
2004 1.489.000.000 18.38%
2005 1.860.000.000 19.95%
2006 2.233.000.000 16.7%
2007 2.817.000.000 20.73%
2008 3.248.000.000 13.27%
2009 3.041.000.000 -6.81%
2010 2.904.000.000 -4.72%
2011 1.903.000.000 -52.6%
2012 1.491.000.000 -27.63%
2013 1.539.000.000 3.12%
2014 1.784.000.000 13.73%
2015 1.765.000.000 -1.08%
2016 2.062.000.000 14.4%
2017 1.882.000.000 -9.56%
2018 1.867.500.000 -0.78%
2019 1.854.000.000 -0.73%
2020 2.179.900.000 14.95%
2021 1.901.000.000 -14.67%
2022 2.810.000.000 32.35%
2023 2.812.000.000 0.07%
2023 2.914.000.000 3.5%
2024 5.753.600.000 49.35%

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.

Eurobank Ergasias Services and Holdings S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 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.

Eurobank Ergasias Services and Holdings S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 520.040.000
2004 222.000.000 -134.25%
2005 255.000.000 12.94%
2006 306.000.000 16.67%
2007 412.000.000 25.73%
2008 475.000.000 13.26%
2009 410.000.000 -15.85%
2010 403.000.000 -1.74%
2011 322.000.000 -25.16%
2012 294.000.000 -9.52%
2013 320.000.000 8.13%
2014 284.000.000 -12.68%
2015 249.000.000 -14.06%
2016 244.000.000 -2.05%
2017 206.000.000 -18.45%
2018 208.000.000 0.96%
2019 237.000.000 12.24%
2020 240.000.000 1.25%
2021 253.000.000 5.14%
2022 272.000.000 6.99%
2023 0 0%
2023 275.000.000 100%
2024 0 0%

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.

Eurobank Ergasias Services and Holdings S.A. EBITDA
Year EBITDA Growth
2003 383.575.000
2004 488.000.000 21.4%
2005 673.000.000 27.49%
2006 925.000.000 27.24%
2007 1.154.000.000 19.84%
2008 818.000.000 -41.08%
2009 527.000.000 -55.22%
2010 247.000.000 -113.36%
2011 -6.711.000.000 103.68%
2012 -1.682.000.000 -298.99%
2013 -1.843.000.000 8.74%
2014 -1.834.000.000 -0.49%
2015 -2.135.000.000 14.1%
2016 230.000.000 1028.26%
2017 169.000.000 -36.09%
2018 230.000.000 26.52%
2019 267.000.000 13.86%
2020 -767.000.000 134.81%
2021 598.000.000 228.26%
2022 1.859.000.000 67.83%
2023 1.604.000.000 -15.9%
2023 -53.000.000 3126.42%
2024 52.000.000 201.92%

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.

Eurobank Ergasias Services and Holdings S.A. Gross Profit
Year Gross Profit Growth
2003 1.215.295.000
2004 1.489.000.000 18.38%
2005 1.860.000.000 19.95%
2006 2.233.000.000 16.7%
2007 2.817.000.000 20.73%
2008 3.248.000.000 13.27%
2009 3.041.000.000 -6.81%
2010 2.904.000.000 -4.72%
2011 1.903.000.000 -52.6%
2012 1.491.000.000 -27.63%
2013 1.539.000.000 3.12%
2014 1.784.000.000 13.73%
2015 1.765.000.000 -1.08%
2016 2.062.000.000 14.4%
2017 1.882.000.000 -9.56%
2018 1.867.500.000 -0.78%
2019 1.854.000.000 -0.73%
2020 2.179.900.000 14.95%
2021 1.901.000.000 -14.67%
2022 2.810.000.000 32.35%
2023 2.812.000.000 0.07%
2023 2.914.000.000 3.5%
2024 2.832.000.000 -2.9%

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.

Eurobank Ergasias Services and Holdings S.A. Net Profit
Year Net Profit Growth
2003 272.623.000
2004 340.000.000 19.82%
2005 487.000.000 30.18%
2006 558.000.000 12.72%
2007 776.000.000 28.09%
2008 627.000.000 -23.76%
2009 294.000.000 -113.27%
2010 52.000.000 -465.38%
2011 -5.508.000.000 100.94%
2012 -1.453.000.000 -279.08%
2013 -1.154.000.000 -25.91%
2014 -1.219.000.000 5.33%
2015 -1.181.000.000 -3.22%
2016 235.000.000 602.55%
2017 104.000.000 -125.96%
2018 91.000.000 -14.29%
2019 125.000.000 27.2%
2020 -1.213.000.000 110.31%
2021 328.000.000 469.82%
2022 1.347.000.000 75.65%
2023 1.184.000.000 -13.77%
2023 1.140.000.000 -3.86%
2024 1.736.000.000 34.33%

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.

Eurobank Ergasias Services and Holdings S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 1.075 100%
2005 1.301 17.38%
2006 1.259 -3.26%
2007 1.642 23.33%
2008 1.294 -26.89%
2009 587 -120.44%
2010 126 -365.87%
2011 -10.086 101.25%
2012 -2.633 -283.17%
2013 -40 -6480%
2014 -11 -300%
2015 -4 -233.33%
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%

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.

Eurobank Ergasias Services and Holdings S.A. Free Cashflow
Year Free Cashflow Growth
2004 -5.158.000.000
2005 -652.000.000 -691.1%
2006 -2.428.000.000 73.15%
2007 -1.292.000.000 -87.93%
2008 5.243.000.000 124.64%
2009 1.590.000.000 -229.75%
2010 3.354.000.000 52.59%
2011 1.575.000.000 -112.95%
2012 -1.392.000.000 213.15%
2013 -2.300.000.000 39.48%
2014 -3.862.000.000 40.45%
2015 -1.303.000.000 -196.39%
2016 -4.974.000.000 73.8%
2017 -5.066.000.000 1.82%
2018 -1.148.000.000 -341.29%
2019 1.514.000.000 175.83%
2020 3.207.000.000 52.79%
2021 8.084.000.000 60.33%
2022 2.705.000.000 -198.85%
2023 1.634.000.000 -65.54%
2023 -786.000.000 307.89%
2024 -15.000.000 -5140%

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.

Eurobank Ergasias Services and Holdings S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 -5.047.000.000
2005 -575.000.000 -777.74%
2006 -2.158.000.000 73.35%
2007 -1.005.000.000 -114.73%
2008 5.508.000.000 118.25%
2009 1.778.000.000 -209.79%
2010 3.513.000.000 49.39%
2011 1.793.000.000 -95.93%
2012 -1.222.000.000 246.73%
2013 -2.174.000.000 43.79%
2014 -3.646.000.000 40.37%
2015 -1.174.000.000 -210.56%
2016 -4.875.000.000 75.92%
2017 -4.969.000.000 1.89%
2018 -1.034.000.000 -380.56%
2019 1.658.000.000 162.36%
2020 3.488.000.000 52.47%
2021 8.213.000.000 57.53%
2022 2.874.000.000 -185.77%
2023 1.774.000.000 -62.01%
2023 -751.000.000 336.22%
2024 29.000.000 2689.66%

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.

Eurobank Ergasias Services and Holdings S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 111.000.000
2005 77.000.000 -44.16%
2006 270.000.000 71.48%
2007 287.000.000 5.92%
2008 265.000.000 -8.3%
2009 188.000.000 -40.96%
2010 159.000.000 -18.24%
2011 218.000.000 27.06%
2012 170.000.000 -28.24%
2013 126.000.000 -34.92%
2014 216.000.000 41.67%
2015 129.000.000 -67.44%
2016 99.000.000 -30.3%
2017 97.000.000 -2.06%
2018 114.000.000 14.91%
2019 144.000.000 20.83%
2020 281.000.000 48.75%
2021 129.000.000 -117.83%
2022 169.000.000 23.67%
2023 140.000.000 -20.71%
2023 35.000.000 -300%
2024 44.000.000 20.45%

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.

Eurobank Ergasias Services and Holdings S.A. Equity
Year Equity Growth
2003 1.793.351.000
2004 2.180.000.000 17.74%
2005 2.637.000.000 17.33%
2006 3.624.000.000 27.24%
2007 5.359.000.000 32.38%
2008 4.292.000.000 -24.86%
2009 6.314.000.000 32.02%
2010 6.094.000.000 -3.61%
2011 875.000.000 -596.46%
2012 -655.000.000 233.59%
2013 4.523.000.000 114.48%
2014 6.304.000.000 28.25%
2015 7.132.000.000 11.61%
2016 7.355.000.000 3.03%
2017 7.150.000.000 -2.87%
2018 5.031.000.000 -42.12%
2019 6.667.000.000 24.54%
2020 5.245.000.000 -27.11%
2021 5.635.000.000 6.92%
2022 6.718.000.000 16.12%
2023 7.643.000.000 12.1%
2023 7.899.000.000 3.24%
2024 8.614.000.000 8.3%

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.

Eurobank Ergasias Services and Holdings S.A. Assets
Year Assets Growth
2003 27.907.166.000
2004 2.180.000.000 -1180.15%
2005 2.637.000.000 17.33%
2006 53.820.000.000 95.1%
2007 68.389.000.000 21.3%
2008 81.871.000.000 16.47%
2009 84.269.000.000 2.85%
2010 87.188.000.000 3.35%
2011 76.822.000.000 -13.49%
2012 67.653.000.000 -13.55%
2013 77.586.000.000 12.8%
2014 75.518.000.000 -2.74%
2015 73.553.000.000 -2.67%
2016 66.393.000.000 -10.78%
2017 60.029.000.000 -10.6%
2018 57.984.000.000 -3.53%
2019 64.761.000.000 10.46%
2020 67.728.000.000 4.38%
2021 77.852.000.000 13%
2022 81.460.000.000 4.43%
2023 80.475.000.000 -1.22%
2023 79.781.000.000 -0.87%
2024 81.256.000.000 1.82%

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.

Eurobank Ergasias Services and Holdings S.A. Liabilities
Year Liabilities Growth
2003 0
2004 5.771.000.000 100%
2005 9.801.000.000 41.12%
2006 50.196.000.000 80.47%
2007 17.208.000.000 -191.7%
2008 11.734.000.000 -46.65%
2009 10.429.000.000 -12.51%
2010 7.288.000.000 -43.1%
2011 4.213.000.000 -72.99%
2012 4.290.000.000 1.79%
2013 10.786.000.000 60.23%
2014 11.010.000.000 2.03%
2015 4.658.000.000 -136.37%
2016 7.787.000.000 40.18%
2017 4.416.000.000 -76.34%
2018 8.968.000.000 50.76%
2019 7.509.000.000 -19.43%
2020 3.165.000.000 -137.25%
2021 3.689.000.000 14.2%
2022 3.552.000.000 -3.86%
2023 6.565.000.000 45.89%
2023 71.882.000.000 90.87%
2024 72.643.000.000 1.05%

Eurobank Ergasias Services and Holdings S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.03
Net Income per Share
0.32
Price to Earning Ratio
6.26x
Price To Sales Ratio
1.94x
POCF Ratio
20.09
PFCF Ratio
36.12
Price to Book Ratio
0.86
EV to Sales
1.64
EV Over EBITDA
8.54
EV to Operating CashFlow
16.74
EV to FreeCashFlow
30.41
Earnings Yield
0.16
FreeCashFlow Yield
0.03
Market Cap
7,30 Bil.
Enterprise Value
6,14 Bil.
Graham Number
4.13
Graham NetNet
-18.42

Income Statement Metrics

Net Income per Share
0.32
Income Quality
0.25
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.77
EBT Per Ebit
1.33
Ebit per Revenue
0.31
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.81
Operating Profit Margin
0.31
Pretax Profit Margin
0.41
Net Profit Margin
0.31

Dividends

Dividend Yield
0.05
Dividend Yield %
5.02
Payout Ratio
0
Dividend Per Share
0.1

Operating Metrics

Operating Cashflow per Share
0.1
Free CashFlow per Share
0.06
Capex to Operating CashFlow
0.45
Capex to Revenue
0.04
Capex to Depreciation
1.35
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
27.88
Days Payables Outstanding
184.4
Days of Inventory on Hand
-5278.61
Receivables Turnover
13.09
Payables Turnover
1.98
Inventory Turnover
-0.07
Capex per Share
0.05

Balance Sheet

Cash per Share
2,81
Book Value per Share
2,35
Tangible Book Value per Share
2.26
Shareholders Equity per Share
2.35
Interest Debt per Share
3.43
Debt to Equity
1.3
Debt to Assets
0.14
Net Debt to EBITDA
-1.6
Current Ratio
0.35
Tangible Asset Value
8,26 Bil.
Net Current Asset Value
-58,97 Bil.
Invested Capital
-24363000000
Working Capital
-25,52 Bil.
Intangibles to Total Assets
0
Average Receivables
0,29 Bil.
Average Payables
0,45 Bil.
Average Inventory
-12104000000
Debt to Market Cap
1.53

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.

Eurobank Ergasias Services and Holdings S.A. Dividends
Year Dividends Growth
2020 0
2024 0 0%

Eurobank Ergasias Services and Holdings S.A. Profile

About Eurobank Ergasias Services and Holdings S.A.

Eurobank Ergasias Services and Holdings S.A., together with its subsidiaries, provides retail banking, corporate and private banking, asset management, treasury, capital markets, and other services primarily in Greece, and Central and Southeastern Europe. It operates through Retail, Corporate, Global Markets & Asset Management, International, Investment Property, and Other segments. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, small business banking, mortgages, overdrafts, loans and other credit facilities, foreign currency and derivative products, custody and clearing services, and cash management and trade services, as well as corporate finance, and merger and acquisitions advice services. It also provides financial instruments trading services to institutional investors, as well as specialized financial advice and intermediation. In addition, the company offers mutual fund products, and institutional asset management and equity brokerage services. Further, it is involved in the investment property activities related to a portfolio of commercial real estate assets. Additionally, the company engages in the property management and other investing activities; and provision of private banking services for medium and high net worth individuals. In addition, the company offers business-to-business e-commerce, accounting, tax, leasing, factoring, loans and credits claim management, credit card and fund management, real estate, and other services. Further, it engages in the informatics data processing activities. As of March 31, 2022, the company had a network of 647 branches and business/private banking centers. Eurobank Ergasias Services and Holdings S.A. was founded in 1990 and is based in Athens, Greece.

CEO
Mr. Fokion C. Karavias
Employee
10.739
Address
8 Othonos Street
Athens, 105 57

Eurobank Ergasias Services and Holdings S.A. Executives & BODs

Eurobank Ergasias Services and Holdings S.A. Executives & BODs
# Name Age
1 Mr. Konstantinos V. Vassiliou
Deputy Chief Executive Officer, Head of Corporate & Investment Banking and Executive Director
70
2 Mr. Stavros E. Ioannou
Deputy Chief Executive Officer, Group Chief Operating Officer, International Activities & Director
70
3 Mr. Yannis Chalaris
Investor Relations Manager
70
4 Ms. Julia Zavakos
Co-Head of Funding Origination
70
5 Ms. Natassa Paschali
GM, Head of Group Human Resources General Division & Group CHRO
70
6 Mr. Charalambos Harris V. Kokologiannis
GM of Group Finance & Group Chief Financial Officer
70
7 George Orfanidis
General Manager of Legal Services
70
8 Mr. Fokion C. Karavias
Chief Executive Officer & Executive Director
70
9 Mr. Dimitris Verriopoulos
Head of Private Banking
70
10 Mr. Christos N. Adam
Group Chief Risk Officer & GM of Group Risk Management
70

Eurobank Ergasias Services and Holdings S.A. Competitors