Erste Group Bank AG/€EBS
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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
Primary listing
VSE
Employees
45,942
Headquarters
Vienna, Austria
Website
EBS Metrics
BasicAdvanced
€32B
11.20
€7.38
1.17
€3.00
3.63%
Price and volume
Market cap
€32B
Beta
1.17
52-week high
€88.75
52-week low
€46.54
Average daily volume
1.8K
Dividend rate
€3.00
Financial strength
Dividend payout ratio (TTM)
38.51%
Profitability
Net profit margin (TTM)
29.06%
Operating margin (TTM)
46.83%
Effective tax rate (TTM)
21.05%
Revenue per employee (TTM)
€240,000
Management effectiveness
Return on assets (TTM)
1.12%
Return on equity (TTM)
12.79%
Valuation
Price to earnings (TTM)
11.196
Price to revenue (TTM)
3.116
Price to book
1.3
Price to tangible book (TTM)
1.38
Price to free cash flow (TTM)
-6.772
Free cash flow yield (TTM)
-14.77%
Free cash flow per share (TTM)
-12.195
Dividend yield (TTM)
3.63%
Forward dividend yield
3.63%
Growth
Revenue change (TTM)
4.18%
Earnings per share change (TTM)
2.88%
3-year revenue growth (CAGR)
10.70%
3-year earnings per share growth (CAGR)
16.04%
10-year earnings per share growth (CAGR)
62.18%
3-year dividend per share growth (CAGR)
23.31%
Bulls say / Bears say
Erste Group’s Q2 net profit rose 8.8% year-on-year to €921 million, surpassing analyst expectations of €815.9 million and prompting raised guidance for 2025 net interest income and return on tangible equity above 15%. (Reuters)
The acquisition of a 49% stake in Santander’s Polish unit for €6.8 billion significantly enhances Erste’s exposure to one of Central and Eastern Europe’s most dynamic banking markets. (Reuters)
After previously flagging net interest income as flat, Erste now expects NII to rise in 2025, signaling an improving interest rate environment and stronger margin outlook. (Reuters)
Erste’s announced €709 million share buyback in February fell short of investor expectations, causing the stock to plunge the most in two years and raising concerns over its capital return strategy. (Bloomberg)
Management’s outlook anticipates operating profit for 2025 to remain broadly unchanged or slightly decline versus 2024, indicating potential pressure on earnings growth. (Reuters)
Funding the Polish acquisition required cancelling a €700 million share buyback and reducing the dividend payout, which may disappoint investors seeking stable capital returns. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
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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FAQs
What’s the current market cap for Erste Group Bank AG stock?
Erste Group Bank AG (EBS) has a market cap of €32B as of October 24, 2025.
What is the P/E ratio for Erste Group Bank AG stock?
The price to earnings (P/E) ratio for Erste Group Bank AG (EBS) stock is 11.2 as of October 24, 2025.
Does Erste Group Bank AG stock pay dividends?
Yes, the Erste Group Bank AG (EBS) stock pays dividends to shareholders. As of October 24, 2025, the dividend rate is €3 and the yield is 3.63%. Erste Group Bank AG has a payout ratio of 38.51% on a trailing twelve-month basis.
When is the next Erste Group Bank AG dividend payment date?
The next Erste Group Bank AG (EBS) dividend payment date is unconfirmed.
What is the beta indicator for Erste Group Bank AG?
Erste Group Bank AG (EBS) has a beta rating of 1.17. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.