Stock EBS ERSTE GROUP BANK AG
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Financials Erste Group Bank AG

Equities

EBS

AT0000652011

Banks

Market Closed - Wiener Boerse
Other stock markets
 16:35:27 26/04/2024 BST 		5-day change 1st Jan Change
43.97 EUR -1.12% Intraday chart for Erste Group Bank AG +2.26% +19.71%
03-05 ERSTE GROUP : EPS upgrade (2023: +3.6%, 2024: +11.8%) Alphavalue
02-29 ERSTE GROUP : Good 2023 figures, new share buy-back, weaker 2024 outlook Alphavalue

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 13,700 10,115 16,765 12,175 14,816 17,524 - -
Enterprise Value (EV) 1 13,700 10,115 16,765 12,175 14,816 17,524 17,524 17,524
P/E ratio 10.4 x 15.9 x 9.92 x 6.19 x 5.39 x 6.85 x 6.99 x 6.67 x
Yield 4.47% 2% 3.87% 6.35% 7.35% 6.5% 6.55% 6.99%
Capitalization / Revenue 1.89 x 1.41 x 2.17 x 1.42 x 1.4 x 1.67 x 1.67 x 1.61 x
EV / Revenue 1.89 x 1.41 x 2.17 x 1.42 x 1.4 x 1.67 x 1.67 x 1.61 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.02 x 0.73 x 0.97 x 0.71 x 0.81 x 0.86 x 0.79 x 0.71 x
Nbr of stocks (in thousands) 408,222 405,571 405,443 407,195 403,381 398,545 - -
Reference price 2 33.56 24.94 41.35 29.90 36.73 43.97 43.97 43.97
Announcement Date 28/02/20 26/02/21 28/02/22 28/02/23 29/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 7,256 7,155 7,742 8,571 10,552 10,511 10,506 10,871
EBITDA - - - - - - - -
EBIT 1 2,973 2,935 3,436 3,996 5,532 5,198 4,833 5,166
Operating Margin 40.97% 41.01% 44.37% 46.62% 52.43% 49.45% 46% 47.52%
Earnings before Tax (EBT) 1 2,330 1,368 2,933 3,222 4,795 4,415 4,139 4,272
Net income 1 1,470 783.1 1,923 2,165 2,998 2,694 2,545 2,726
Net margin 20.26% 10.95% 24.84% 25.26% 28.41% 25.63% 24.23% 25.07%
EPS 2 3.220 1.570 4.170 4.830 6.810 6.417 6.290 6.592
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.500 0.5000 1.600 1.900 2.700 2.858 2.879 3.073
Announcement Date 28/02/20 26/02/21 28/02/22 28/02/23 29/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 3,472 3,791 1,944 2,007 2,036 2,110 4,147 2,124 2,300 2,499 2,662 5,161 2,692 2,699 2,677 2,641 2,623 2,626
EBITDA - - - - - - - - - - - - - - - - - -
EBIT 1 1,357 1,688 906.3 841.5 801 1,060 1,861 1,028 1,106 1,257 1,432 2,689 1,489 1,354 1,433 - - -
Operating Margin 39.09% 44.52% 46.61% 41.93% 39.34% 50.24% 44.89% 48.4% 48.11% 50.29% 53.8% 52.1% 55.33% 50.16% 53.53% - - -
Earnings before Tax (EBT) 1 510.1 1,435 847 651.2 610.1 1,049 1,659 754.9 808.3 1,003 1,433 2,436 1,284 1,075 1,184 - - -
Net income 1 293.8 918 533.4 472 448.8 688.2 1,137 510 517.7 593.6 896.3 1,490 819.7 688 734 - - -
Net margin 8.46% 24.22% 27.43% 23.52% 22.04% 32.61% 27.42% 24.01% 22.51% 23.76% 33.67% 28.87% 30.45% 25.49% 27.42% - - -
EPS - - 1.250 0.9300 1.050 1.490 - 1.200 1.090 1.390 1.980 - 1.900 1.540 - - - -
Dividend per Share - - - - - - - - - - - - - - - - - -
Announcement Date 31/07/20 30/07/21 02/11/21 28/02/22 29/04/22 01/08/22 01/08/22 04/11/22 28/02/23 28/04/23 31/07/23 31/07/23 30/10/23 29/02/24 - - - -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 10% 4.7% 10.9% 12.6% 15.5% 12.2% 10.7% 10.9%
ROA (Net income/ Total Assets) 0.61% 0.3% 0.66% 0.69% 0.91% 0.77% 0.63% 0.61%
Assets 1 241,243 261,566 292,412 315,646 330,496 349,846 407,260 446,808
Book Value Per Share 2 32.90 34.00 42.80 42.00 45.60 51.40 55.90 61.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 28/02/20 26/02/21 28/02/22 28/02/23 29/02/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Erste Group Bank AG

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
14
Last Close Price
43.97 EUR
Average target price
49.09 EUR
Spread / Average Target
+11.65%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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