EUROBANK S.A.

EUROBANK S.A.

4.35
EUR
-0.19
(-4.10%)
14.53BMarket Cap
Oct 29Next Earn
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
- -
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
- -
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
- -
Dividend per Share
0.52
0.1
0.08
- -
- -
- -
- -
- -
- -
- -
- -
0.09
0.15
0.05
Book Value per Share
60.19
31.86
2.52
2.66
2.84
2.31
1.8
1.42
1.49
1.79
2.16
2.42
2.93
3.04
Tangible Book Value per Share
55.33
30.84
2.46
2.59
2.77
2.22
1.7
1.35
1.42
1.71
2.07
2.31
2.79
2.87
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
3,634
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
- -
Operating Margin (%)
-127.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
95
99
82
62
60
58
109
109
114
117
120
135
152
- -
Net Income, GAAP
-1,154
-1,219
-1,181
235
104
93
127
-1,215
328
1,347
1,140
1,448
1,362
- -
Effective Tax Rate (%)
- -
- -
- -
- -
2.76
33.05
19.38
- -
32.3
23.19
16.93
18.32
18.44
- -
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
- -
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
10,698
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
10,904
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
0.69
0.73
0.9
- -
3.71
12.68
8.36
8.14
6.99
- -
Return on Common Equity (%)
- -
-30.56
-24.36
4.15
1.73
1.62
2.14
-20.37
6.07
22.13
15.69
17.24
13.95
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,624
3,599
3,588
Market Capitalization
12,492
12,287
14,532

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,458
14,148
16,937
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
752
706
791
878
3,221
2025
823
872
- -
873
3,377
2026
879
930
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.09
2025
- -
- -
- -
0.05
0.15
2026
- -
- -
- -
- -
- -

Company Description

CEO
Fokion Karavias
Full Time Employees
12,773
Sector
Finance
Industry
Major banks
Address
8 Othonos Street Athens GI Greece 105 57
IPO Date
Dec 15, 2025
Business
Eurobank Ergasias Services and Holdings S.A. (Eurobank Holdings) serves as the holding company for the Eurobank Group, a major financial institution providing a comprehensive range of banking and financial services primarily through its wholly owned subsidiary Eurobank S.A.. The Group offers retail banking products including current accounts, savings and deposits, investment savings products, credit and debit cards, consumer loans, small business banking, and mortgages; corporate banking services such as current accounts, deposits, overdrafts, loans and credit facilities, foreign currency and derivative products, custody, equity brokerage, cash and trade services; wealth management encompassing private banking, total wealth management for medium and high net worth individuals, insurance, mutual funds, and institutional asset management; global and capital markets services featuring investment banking, corporate finance, mergers and acquisitions advice, financial instruments trading, and specialized financial intermediation; as well as international operations, cash management, financial leasing, factoring, forfaiting, trading services, and property services.. Eurobank Holdings, founded in 1924 and headquartered at Othonos 8, Athens, Greece, operates across multiple segments with a presence in Greece, Cyprus, Luxembourg, Bulgaria, the UK, Romania, Serbia, and Ukraine, targeting individuals, businesses, corporate entities, and institutional clients.. In recent developments, the company initiated a merger process with its 100% subsidiary Eurobank S.A. on December 18, 2024, under which Eurobank Holdings will be absorbed by the Bank, with completion pending regulatory and shareholder approvals; additionally, in February 2025, Eurobank S.A. completed the acquisition of an additional 37.5% stake in Hellenic Bank Public Company Limited for approximately €750 million, increasing its total ownership to 93.47% and triggering a mandatory takeover bid for the remaining shares..