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    Banks - Regional
Erste Group Bank AG

Erste Group Bank AG

EBO.DE
Erste Group Bank AGDE flagDeutsche Börse
113.90
EUR
-5.00
- -
44.24BMarket Cap
Erste Group Bank AG
EBO.DE
(Deutsche Börse)

Recent

price

113.90

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
19.53
19.54
16.98
16
15.91
16.17
15.89
16.19
17.01
16.81
17.83
19.66
24.22
26.2
28.76
27.98
Revenue per Share
- -
-2.28
0.87
-0.06
-3.23
2.27
2.93
2.94
4.02
3.23
1.57
4.51
5.07
7.04
7.51
8.58
7.9
Basic EPS, GAAP
- -
0.02
8.26
-1.09
-5.44
10.68
12.97
6.66
-8.08
-15.91
56.16
25.47
-21.76
4.83
-23.51
8.04
6.56
Free Cash Flow per Basic Share
- -
- -
0.36
0.73
0.4
0.09
0.52
1.1
1.33
1.55
0.27
1.77
1.77
2.04
2.93
3.29
0.18
Dividend per Share
- -
12.21
17.73
10.42
20.99
23.27
24.57
26.72
27.9
29.66
30.79
33.51
36.61
41.67
45.52
52.09
48.64
Book Value per Share
- -
30.84
34.32
29.84
28.07
33.61
35.65
39.29
40.69
44.8
49.38
51.97
56.11
63.83
70.66
81.31
78.08
Tangible Book Value per Share
- -
378
392
412
428
427
427
427
427
427
426
426
427
426
416
409
400
Basic Weighted Avg Shares
- -
7,378
7,652
6,988
6,838
6,788
6,897
6,779
6,910
7,257
7,167
7,599
8,396
10,318
10,894
11,761
11,186
Sales/Revenue/Turnover
- -
- -
10.04
5.36
-11.75
24.15
28.28
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
2
1,112
972
1,612
567
622
558
571
738
614
607
594
632
554
550
554
Depreciation Expense
- -
-719
483
60
-1,383
968
1,265
1,316
1,793
1,470
783
1,923
2,165
2,998
3,125
3,510
3,159
Net Income, GAAP
- -
- -
21.24
47.18
- -
22.2
21.21
19.73
13.32
17.97
25.04
17.9
17.26
18.23
21.07
20.43
21.05
Effective Tax Rate (%)
- -
-9.74
6.32
0.86
-20.22
14.26
18.34
19.42
25.96
20.26
10.93
25.31
25.79
29.06
28.69
29.84
28.24
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
31,298
39,618
34,730
33,124
31,139
29,653
27,192
25,096
29,738
30,886
31,236
32,718
36,565
44,427
52,579
55,593
55,518
LT Debt
17,129
15,180
16,336
14,722
13,444
14,809
16,602
18,288
18,869
20,477
22,410
23,513
25,305
28,501
30,768
34,664
32,602
Total Equity
- -
- -
1.14
0.4
- -
2.86
3.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-37.29
5.93
-0.43
-20.85
10.24
12.23
11.47
14.73
11.22
5.19
14.03
14.47
17.96
17.04
17.45
17.08
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
388
388
388
Market Capitalization
24,021
25,657
28,626

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
42,749
40,969
41,683
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.92%
9.16%
12.66%
Free Cash Flow
-167.56%
-214.2%
-133.62%
Net Income, GAAP
21.94%
42.64%
12.32%
Sales/Revenue/Turnover
5.86%
10.59%
7.96%
Total Cash Common Dividend
378,041.49%
755,993.1%
10.44%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,781
2,728
2,771
2,782
10,894
2025
2,790
2,843
3,028
- -
11,761
2026
3,792
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.87
2.12
2.14
1.57
7.51
2025
1.82
2.37
2.43
- -
8.58
2026
2.15
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.19
2.93
2025
- -
- -
0.27
- -
3.29
2026
- -
- -
- -
- -
- -
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Business
Erste Group Bank AG is a leading Austrian financial services group providing retail and corporate banking, investment banking, asset management, and insurance products across Central and Eastern Europe. The company offers a comprehensive range of services including savings and current accounts, mortgages, personal and SME loans, leasing, factoring, payment services, trade finance, corporate lending, capital markets products, wealth management, pension funds, and life/non-life insurance through its subsidiaries; it operates under brands such as Erste Bank, Banca Romaneasca in Romania, Slovenska sporitelna in Slovakia, Erste Bank Hungary, and Ceska sporitelna in the Czech Republic. Founded in 1819 and headquartered in Vienna, Austria, Erste Group serves approximately 16 million customers primarily in Austria, Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia, with a focus on retail banking (over 70% of earnings), corporate services, and treasury operations.