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ERSTE GROUP BANK AG (EBO.DE) Stock Fundamental Analysis

FRA:EBO - Deutsche Boerse Ag - AT0000652011 - Common Stock - Currency: EUR

67.74  +0.16 (+0.24%)

Fundamental Rating

4

EBO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. EBO has a bad profitability rating. Also its financial health evaluation is rather negative. EBO is not valued too expensively and it also shows a decent growth rate. EBO also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

EBO had positive earnings in the past year.
EBO had a negative operating cash flow in the past year.
In the past 5 years EBO has always been profitable.
In multiple years EBO reported negative operating cash flow during the last 5 years.
EBO.DE Yearly Net Income VS EBIT VS OCF VS FCFEBO.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B 20B

1.2 Ratios

With a decent Return On Assets value of 0.89%, EBO is doing good in the industry, outperforming 60.22% of the companies in the same industry.
EBO has a better Return On Equity (13.68%) than 72.04% of its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 13.68%
ROIC N/A
ROA(3y)0.69%
ROA(5y)0.58%
ROE(3y)11.31%
ROE(5y)9.32%
ROIC(3y)N/A
ROIC(5y)N/A
EBO.DE Yearly ROA, ROE, ROICEBO.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

EBO's Profit Margin of 25.45% is fine compared to the rest of the industry. EBO outperforms 68.82% of its industry peers.
In the last couple of years the Profit Margin of EBO has grown nicely.
EBO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y42.86%
PM growth 5Y2.63%
GM growth 3YN/A
GM growth 5YN/A
EBO.DE Yearly Profit, Operating, Gross MarginsEBO.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

EBO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EBO has been reduced compared to 1 year ago.
EBO has less shares outstanding than it did 5 years ago.
EBO has a worse debt/assets ratio than last year.
EBO.DE Yearly Shares OutstandingEBO.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
EBO.DE Yearly Total Debt VS Total AssetsEBO.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B

2.2 Solvency

A Debt/Equity ratio of 2.65 is on the high side and indicates that EBO has dependencies on debt financing.
EBO has a worse Debt to Equity ratio (2.65) than 60.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.65
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC18.36%
EBO.DE Yearly LT Debt VS Equity VS FCFEBO.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B 20B 30B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EBO.DE Yearly Current Assets VS Current LiabilitesEBO.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

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6

3. Growth

3.1 Past

EBO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.51%, which is quite good.
EBO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.17% yearly.
EBO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.20%.
The Revenue has been growing by 8.20% on average over the past years. This is quite good.
EPS 1Y (TTM)14.51%
EPS 3Y58.2%
EPS 5Y11.17%
EPS Q2Q%12.63%
Revenue 1Y (TTM)12.2%
Revenue growth 3Y14.14%
Revenue growth 5Y8.2%
Sales Q2Q%3.95%

3.2 Future

Based on estimates for the next years, EBO will show a small growth in Earnings Per Share. The EPS will grow by 0.06% on average per year.
Based on estimates for the next years, EBO will show a quite strong growth in Revenue. The Revenue will grow by 8.78% on average per year.
EPS Next Y11.24%
EPS Next 2Y4.73%
EPS Next 3Y4.85%
EPS Next 5Y0.06%
Revenue Next Year24.43%
Revenue Next 2Y14.75%
Revenue Next 3Y9.83%
Revenue Next 5Y8.78%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
EBO.DE Yearly Revenue VS EstimatesEBO.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
EBO.DE Yearly EPS VS EstimatesEBO.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.13, the valuation of EBO can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EBO is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 29.35. EBO is valued rather cheaply when compared to this.
EBO is valuated reasonably with a Price/Forward Earnings ratio of 9.07.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EBO indicates a somewhat cheap valuation: EBO is cheaper than 66.67% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. EBO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.13
Fwd PE 9.07
EBO.DE Price Earnings VS Forward Price EarningsEBO.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
EBO.DE Per share dataEBO.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

EBO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)0.82
EPS Next 2Y4.73%
EPS Next 3Y4.85%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.55%, EBO is a good candidate for dividend investing.
EBO's Dividend Yield is rather good when compared to the industry average which is at 5.06. EBO pays more dividend than 90.32% of the companies in the same industry.
EBO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 7.55%

5.2 History

On average, the dividend of EBO grows each year by 9.19%, which is quite nice.
Dividend Growth(5Y)9.19%
Div Incr Years2
Div Non Decr Years2
EBO.DE Yearly Dividends per shareEBO.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

EBO pays out 38.26% of its income as dividend. This is a sustainable payout ratio.
EBO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.26%
EPS Next 2Y4.73%
EPS Next 3Y4.85%
EBO.DE Yearly Income VS Free CF VS DividendEBO.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B 20B
EBO.DE Dividend Payout.EBO.DE Dividend Payout, showing the Payout Ratio.EBO.DE Dividend Payout.PayoutRetained Earnings

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ERSTE GROUP BANK AG

FRA:EBO (3/7/2025, 7:00:00 PM)

67.74

+0.16 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-28 2025-02-28/amc
Earnings (Next)04-30 2025-04-30
Inst Owners36.81%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap27.81B
Analysts79.17
Price Target64.69 (-4.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.55%
Yearly Dividend2.16
Dividend Growth(5Y)9.19%
DP38.26%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.63%
Min EPS beat(2)10.21%
Max EPS beat(2)11.05%
EPS beat(4)4
Avg EPS beat(4)7.74%
Min EPS beat(4)4.2%
Max EPS beat(4)11.05%
EPS beat(8)8
Avg EPS beat(8)9.69%
EPS beat(12)11
Avg EPS beat(12)5.25%
EPS beat(16)14
Avg EPS beat(16)5.98%
Revenue beat(2)2
Avg Revenue beat(2)1.88%
Min Revenue beat(2)1.22%
Max Revenue beat(2)2.53%
Revenue beat(4)3
Avg Revenue beat(4)0.6%
Min Revenue beat(4)-3.93%
Max Revenue beat(4)2.57%
Revenue beat(8)7
Avg Revenue beat(8)3.49%
Revenue beat(12)11
Avg Revenue beat(12)9.36%
Revenue beat(16)15
Avg Revenue beat(16)10.19%
PT rev (1m)2.3%
PT rev (3m)15.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.94%
EPS NY rev (1m)0.19%
EPS NY rev (3m)5.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)-5.31%
Revenue NY rev (3m)-3.51%
Valuation
Industry RankSector Rank
PE 9.13
Fwd PE 9.07
P/S 2.28
P/FCF N/A
P/OCF N/A
P/B 1.23
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)7.42
EY10.95%
EPS(NY)7.47
Fwd EY11.03%
FCF(TTM)-15.25
FCFYN/A
OCF(TTM)-13.75
OCFYN/A
SpS29.67
BVpS55.18
TBVpS52.07
PEG (NY)0.81
PEG (5Y)0.82
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 13.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.45%
GM N/A
FCFM N/A
ROA(3y)0.69%
ROA(5y)0.58%
ROE(3y)11.31%
ROE(5y)9.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y42.86%
PM growth 5Y2.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.65
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 100.33%
Cap/Sales 5.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.36%
ROIC/WACCN/A
Cap/Depr(3y)84.81%
Cap/Depr(5y)84.82%
Cap/Sales(3y)5.33%
Cap/Sales(5y)6.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.51%
EPS 3Y58.2%
EPS 5Y11.17%
EPS Q2Q%12.63%
EPS Next Y11.24%
EPS Next 2Y4.73%
EPS Next 3Y4.85%
EPS Next 5Y0.06%
Revenue 1Y (TTM)12.2%
Revenue growth 3Y14.14%
Revenue growth 5Y8.2%
Sales Q2Q%3.95%
Revenue Next Year24.43%
Revenue Next 2Y14.75%
Revenue Next 3Y9.83%
Revenue Next 5Y8.78%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-558.95%
FCF growth 3Y-55.87%
FCF growth 5YN/A
OCF growth 1Y-1078.5%
OCF growth 3Y-52.74%
OCF growth 5YN/A