Eurobank S.A.

Eurobank S.A.

EURBF
Eurobank S.A.US flagOther OTC
4.87
USD
- -
- -
17.53BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
52.58
14.68
5.7
0.87
0.86
0.85
0.56
0.59
0.51
0.74
0.76
0.88
0.92
0.91
Basic EPS, GAAP
-40.99
-10.58
-4.02
0.11
0.05
0.04
0.04
-0.33
0.09
0.36
0.31
0.4
0.37
0.39
Free Cash Flow per Basic Share
-79.92
-33.52
-4.22
-2.25
-2.32
-0.53
0.46
0.86
2.18
0.73
-0.63
0.03
0.72
-0.11
Dividend per Share
0.52
0.1
0.08
- -
- -
- -
- -
- -
- -
- -
- -
0.09
0.15
- -
Book Value per Share
57.15
38.31
2.12
0.3
0.3
0.3
0.26
0.22
0.22
0.22
0.22
0.22
0.22
0.22
Tangible Book Value per Share
115.16
45.18
19.6
2.88
2.77
2.22
1.9
1.35
1.45
1.73
2.05
2.31
2.75
2.5
Basic Weighted Avg Shares
29
115
309
2,185
2,184
2,184
3,314
3,708
3,708
3,709
3,699
3,665
3,681
3,669
Sales/Revenue/Turnover
1,510
1,691
1,762
1,907
1,881
1,859
1,854
2,180
1,901
2,738
2,816
3,221
3,377
3,326
Operating Margin (%)
-127.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
95
99
82
62
60
58
109
109
114
117
120
135
152
150
Net Income, GAAP
-1,154
-1,219
-1,181
235
104
93
127
-1,215
328
1,347
1,140
1,448
1,362
1,418
Effective Tax Rate (%)
- -
- -
- -
- -
2.76
33.05
19.38
- -
32.3
23.19
16.93
18.32
18.44
21.23
Profit Margin (%)
-76.42
-72.09
-67.03
12.32
5.53
5
6.85
-55.74
17.26
49.2
40.48
44.95
40.33
42.63
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
10,786
11,010
4,658
7,806
4,416
8,968
7,509
3,165
3,689
5,184
7,753
9,655
9,788
10,520
Total Equity
4,523
6,304
7,132
7,394
7,150
5,042
6,667
5,262
5,635
6,732
7,899
8,899
10,623
9,643
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-82.22
-40.28
-49.01
35.85
15.87
13.87
16.57
-145.6
40.2
165.07
139.53
178
169.4
174.31

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
3,675
3,674
3,651
Market Capitalization
7,392
8,341
10,272

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,747
16,383
17,051
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
5.8%
15.19%
19.37%
Free Cash Flow
244.63%
472.57%
2,566.67%
Net Income, GAAP
-101.7%
37.88%
-5.94%
Sales/Revenue/Turnover
7.63%
10.66%
4.85%
Total Cash Common Dividend
- -
- -
62.57%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
752
706
791
878
3,221
2025
823
834
873
- -
3,377
2026
879
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.12
0.11
- -
0.4
2025
0.09
0.1
- -
- -
0.37
2026
0.09
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.09
2025
- -
- -
- -
- -
0.15
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Fokion Karavias
Full Time Employees
12,833
Sector
Financial Services
Industry
Banks - Regional
Address
8 Othonos Street Athens Greece 10557
IPO Date
May 5, 2014
Business
Eurobank Ergasias S.A. (Eurobank) operates as a diversified financial services group offering a broad range of banking and financial services across retail, corporate, investment, and wealth management segments. The group focuses on relationship-based banking and cross-border financial services, serving individuals, small and medium-sized enterprises, large corporates, and institutional clients, with a strategic emphasis on Southeastern Europe and international operations. Main products and services - Retail Banking: current accounts, savings accounts, consumer loans, mortgages, credit and debit cards, payment services, personal financial management, and digital banking solutions. - Corporate Banking: corporate lending, working capital facilities, project financing, trade finance, cash management, payment services, foreign exchange, and treasury solutions for mid-market and large corporate clients. - Global Markets and Asset Management: investment advisory, brokerage, asset management, mutual funds, integrated wealth management services, structured products, and capital markets execution. - International Banking: cross-border lending and deposit products, correspondent banking, and regional support for customers in Southeast Europe and other European markets. - Investment Property and Real Estate Services: management and advisory services connected to real estate assets and investment property portfolios. - Remedial and Servicing: management of non-performing assets and mortgage/loan servicing activities. - Other Financial Services: treasury and liquidity management, risk management solutions, insurance distribution through partnerships, and digital/online banking platforms. Latest major company changes - Strategic partnerships and acquisitions: Eurosystem-level expansion through acquisitions and partnerships in Southeastern Europe, including notable integrations aimed at broadening cross-border capabilities and fee-based income, with several transactions initiated or completed in the past 1–2 years. - Capital management actions: ongoing capital optimization programs, including share buybacks and dividend strategies aligned with regulatory approvals and AGM authorizations, as part of enhancing shareholder value. - Product and service launches: continued rollout of digital banking enhancements, e-banking tools, and mobile payment solutions designed to improve customer experience and efficiency and to expand digital channels across retail and corporate segments. - Organizational and regional expansion: expansion of international presence in Bulgaria, Cyprus, Luxembourg and the United Kingdom, supported by the creation or consolidation of regional hubs and specialized subsidiaries to improve local market coverage and product delivery. - Operational and governance updates: strategic restructurings and governance updates to strengthen oversight, risk management, and efficiency across the group, alongside regular reporting on non-performing asset management and remediation strategies. Additional context - Industry and segments: primarily financial services and banking; operates across Retail, Corporate, Investment/Wealth Management, International, and Real Estate-related activities. - Target markets: individuals, SMEs, large corporations, and institutions; servicing both domestic Greek customers and international clients through cross-border platforms. - Geographic footprint: Greece as core market, with international operations in Bulgaria, Cyprus, Luxembourg, and the United Kingdom, among others, including a network of branches and business centers. - Founding year and headquarters: established in the modern Greek banking landscape in the late 20th century; headquarters in Athens, Greece. - Subsidiaries and parent relationships: operates as part of a broader group structure, including a parent holding company and multiple specialized subsidiaries focused on asset management, factoring, and real estate advisory services. - Regulatory and financial reporting: presents quarterly and annual results highlighting profitability, capital adequacy, asset quality, and efficiency metrics; disclosures include details on acquisitions, divestitures, and strategic initiatives affecting future earnings trajectory.