Erste Group Bank AGEE

Erste Group Bank AG

84.00USDD
−0.42−0.50%
At close at Jun 17, 19:43 GMT
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EBKOF fundamentals

Key facts

Market capitalization‪33.60 B‬USD
Founded1997
Employees (FY)‪49.09 K‬
CEOPeter Bosek
About

Erste Group Bank AG engages in the provision of banking and financial services. It operates through the following segments: Retail; Corporates; Group Markets; Asset/Liability Management and Local Corporate Center; Savings Banks; and Group Corporate Center. The Retail segment includes business with private individuals, micros, and free professionals within the responsibility of account managers in the retail network. The Corporates segment focuses on corporate customers of different turnover sizes as well as commercial real estate and public sector business. The Group Markets segment is involved in trading and markets services, as well as customer business with financial institutions. The Asset/Liability Management and Local Corporate Center segment provides asset and liability management functions, local, Erste Group Bank AG, and local corporate centers such as internal service providers. The Savings Banks segment offers savings banks, which are members of the Haftungsverbund of the Austrian savings banks sector. The Group Corporate Center segment covers centrally managed activities and items that are not directly allocated to other segments. The company was founded by Johann Baptist Weber, Bernhard Ritter von Eskeles, Ignaz Ritter von Schönfeld, Peter Bohr, Joseph R. V. Dallstein, Michael Hengelmüller Leopold Huber, Franz Jahn, Albert Kohn, Johan Mohrenthal, Vincent Neuling, J. E. v. Neuwall, Franz Rikl, Joseph Peham, A. J. Rabislovitsch, and Joseph Ritter der Ältere in 1819 and is headquartered in Vienna, Austria.

Ownership
‪‪388.13 M‬‬
Free Float shares
‪‪289.32 M‬‬ (74.54%)
Closely held shares
‪‪98.80 M‬‬ (25.46%)
Free Float shares
‪‪289.32 M‬‬ (74.54%)
Closely held shares
‪‪98.80 M‬‬ (25.46%)
Capital structure
Market cap
‪‪33.60 B‬‬
Debt
‪‪85.90 B‬‬
Minority interest
‪‪8.47 B‬‬
Cash & equivalents
‪‪24.65 B‬‬
Enterprise value
‪‪103.33 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪33.60 B‬‬
Price to earning ratio (P/E)
10.30x
Price to sales ratio (P/S)
1.33x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
10.30x
Price to sales ratio (P/S)
1.33x
Valuation ratios
‪0.00‬
‪0.30‬
‪0.60‬
‪0.90‬
‪1.20‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪2.50‬
‪5.00‬
‪7.50‬
‪10.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪9.5%‬
‪11.0%‬
‪12.5%‬
‪14.0%‬
‪15.5%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪1.70 B‬‬
‪‪3.40 B‬‬
‪‪5.10 B‬‬
‪‪6.80 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪1.50 B‬‬
‪‪3.00 B‬‬
‪‪4.50 B‬‬
‪‪6.00 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪1.50 B‬‬
‪‪3.00 B‬‬
‪‪4.50 B‬‬
‪‪6.00 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Retail
Savings Banks
Corporates
Group Markets
Group Corporate Center
By country
Period: 2024
Austria
Czech Republic
Romania
Hungary
Slovakia
Croatia
Serbia
Other

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪‪900.00 M‬‬
‪‪1.80 B‬‬
‪‪2.70 B‬‬
‪‪3.60 B‬‬
Actual
Estimate
Earnings
Next:Aug 1, 2025
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪0.60‬
‪1.20‬
‪1.80‬
‪2.40‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
0.00%
Payout ratio (TTM)
Dividend yield TTM
4.11%
Last payment
3.415
Last ex-date
May 26, 2025
Last pay date
May 28, 2025
Dividend history
‪3.5%‬
‪4.5%‬
‪5.5%‬
‪6.5%‬
‪7.5%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.80‬
‪1.60‬
‪2.40‬
‪3.20‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−100.00 B‬‬
‪0.00‬
‪‪100.00 B‬‬
‪‪200.00 B‬‬
‪‪300.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪6.00‬
‪12.00‬
‪18.00‬
‪24.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio