Erste Group Bank AG/€EBS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Erste Group Bank AG
Erste Group Bank AG is a prominent financial services provider headquartered in Vienna, Austria. Its core business operates in the banking industry, offering a wide range of services, including retail banking, corporate banking, and investment banking. The bank provides essential products such as loans, payment services, asset management, and insurance to individuals and businesses. Established in 1819 as the first Austrian savings bank, Erste Group Bank has evolved into one of the largest financial services providers in Central and Eastern Europe. Its strategic positioning is bolstered by a substantial presence in Austria, the Czech Republic, Slovakia, Romania, and Hungary, allowing it to leverage regional economic developments for growth. The bank emphasizes a customer-centric approach and utilizes digital transformation to enhance service delivery. Sources:
- Erste Group Official Website
- Company Reports and Financial Statements
- Ticker
- €EBS
- Sector
- Finance
- Primary listing
- VSE
- Employees
- 55,231
- Headquarters
- Vienna, Austria
- Website
- www.erstegroup.com
EBS Metrics
BasicAdvanced
€42B
12.02
€8.95
0.79
€0.75
0.70%
Price and volume
Market cap
€42B
Beta
0.79
52-week high
€126.00
52-week low
€84.30
Average daily volume
418K
Dividend rate
€0.75
Financial strength
Dividend payout ratio (TTM)
13.04%
Profitability
Net profit margin (TTM)
29.14%
Operating margin (TTM)
47.68%
Effective tax rate (TTM)
22.37%
Revenue per employee (TTM)
€240,000
Management effectiveness
Return on assets (TTM)
1.19%
Return on equity (TTM)
13.21%
Valuation
Price to earnings (TTM)
12.022
Price to revenue (TTM)
3.359
Price to book
1.72
Price to tangible book (TTM)
2.27
Price to free cash flow (TTM)
-2.125
Free cash flow yield (TTM)
-47.07%
Free cash flow per share (TTM)
-50.645
Dividend yield (TTM)
0.70%
Forward dividend yield
0.70%
Growth
Revenue change (TTM)
20.48%
Earnings per share change (TTM)
19.24%
3-year revenue growth (CAGR)
12.27%
3-year earnings per share growth (CAGR)
15.93%
10-year earnings per share growth (CAGR)
11.00%
3-year dividend per share growth (CAGR)
-26.64%
10-year dividend per share growth (CAGR)
4.14%
What the Analysts think about EBS
Analyst ratings (Buy, Hold, Sell) for Erste Group Bank AG stock.
Analyst projections of the future price of Erste Group Bank AG stock.
Bulls say / Bears say
Underlying momentum is not just acquisition-led: excluding Poland, first-half customer loans grew 4% and net interest income rose 6.1%, with demand broad across core markets. Management raised its 2026 organic loan-growth target to 6–8%. (Erste Group Bank AG)
The Polish business gives Erste a stronger position in a large, profitable market and a route to deepen its regional reach. Reuters reported the group plans to offer for up to a further 26% of Erste Bank Polska, building on its 49% stake. (Reuters)
First-half net profit rose 18.6%, and Erste raised its 2026 targets to above €4bn net profit and above 20% return on tangible equity, with the cost/income ratio expected below 45%. That points to strong earnings momentum and improving efficiency, although Poland contributes to the figures. (Erste Group Bank AG)
Banking levies nearly doubled to €392m in the first half from €197m a year earlier, with Hungary and Poland among the largest charges. Persistent or higher taxes could absorb more of the bank’s operating gains. (Erste Group Bank AG)
The CET1 capital ratio fell to 15.2% from 19.3%, with the Polish acquisition reducing it by 455 basis points. A proposed increase in the Polish stake would put further demands on capital while the group rebuilds its buffer. (Erste Group Bank AG, Reuters)
The Polish integration brings meaningful near-term costs: Erste booked €73m of integration costs in the first half and expects up to €180m gross for 2026. It also expects about €210m a year of customer-relationship amortisation, which could weigh on reported returns as the deal is absorbed. (Erste Group Bank AG)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
EBS Financial Performance
Revenues and expenses
EBS Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing EBS
AllEURUSDGBP
Fund name | Fund size | €EBS weighting |
|---|---|---|
iShares ATX€EXXX | €171M | 18.14% |
iShares EURO STOXX Banks 30-15€EXX1 | €2.6B | 2.69% |
iShares EURO STOXX Banks 30-15€EXA1 | €245M | 2.69% |
iShares STOXX Europe 600 Banks€EXV1 | €3.7B | 1.64% |
iShares MSCI Europe Financials Sector€ESIF | €1.7B | 1.11% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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