Erste Group Bank AG/€EBS
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09:10
12:45
16:25
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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
11.21
€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
€45.24
Average daily volume
3.1K
Dividend rate
€3.00
Financial strength
Dividend payout ratio (TTM)
41.57%
Profitability
Net profit margin (TTM)
29.04%
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)
11.212
Price to revenue (TTM)
3.121
Price to book
1.3
Price to tangible book (TTM)
1.38
Price to free cash flow (TTM)
-6.781
Free cash flow yield (TTM)
-14.75%
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)
0.52%
3-year revenue growth (CAGR)
10.70%
3-year earnings per share growth (CAGR)
15.21%
10-year earnings per share growth (CAGR)
61.83%
3-year dividend per share growth (CAGR)
23.31%
Bulls say / Bears say
Erste reported net profit of €921 million in Q2, an increase of 8.8% year-on-year, beating analyst forecasts, with operating profit up 5% to €1.51 billion—showing strong business momentum. (Reuters)
The bank raised its guidance for full-year 2025, expecting higher net interest income and a return on tangible equity above 15%, signaling improving margin trends. (Reuters)
Acquiring a 49% stake in Santander Bank Polska for €6.8 billion increases Erste’s presence in Poland’s fast-growing market, enhancing long-term growth prospects in Central Europe. (Reuters)
Despite revenue exceeding expectations, Erste now forecasts its 2025 operating profit to be broadly unchanged or slightly lower than 2024, signaling limited growth potential in core profitability. (Reuters)
Funding the Polish acquisition by cancelling a €700 million share buyback and reducing dividends could impact shareholder returns and limit flexibility in capital allocation. (Reuters)
The EBRD reduced its 2025 growth forecast for Emerging Europe to 3.2%, underlining a slowdown in key markets like Hungary and the Czech Republic, which may dampen Erste's loan growth prospects. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 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 September 14, 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 11.21 as of September 14, 2025.
Does Erste Group Bank AG stock pay dividends?
Yes, the Erste Group Bank AG (EBS) stock pays dividends to shareholders. As of September 14, 2025, the dividend rate is €3 and the yield is 3.63%. Erste Group Bank AG has a payout ratio of 41.57% 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.