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Erste Group Bank AG (EBS.VI)

EUR115.90 -0.30 (-0.26%)
AT VIE Financial Services Banks - Regional
Address Erste Campus 1100
Vienna, AT
CEO Peter Bosek
IPO 1997-12-04
ISIN AT0000652011

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Also trades on Deutsche Börse · EBO.DE (EUR) Other OTC · EBKDY (USD) Other OTC · EBKOF (USD) Vienna Stock Exchange · EBS.VI (EUR)
Description

Established in 1819 and based in Vienna, Austria, Erste Group Bank AG operates as a significant provider of banking and financial services. The company caters to a wide array of clients, including private individuals, commercial enterprises, real estate ventures, and public sector organizations, primarily throughout Austria and Central and Eastern Europe, as well as on an international scale. Its diverse operations are structured across several distinct segments. For its retail clientele, the bank furnishes a comprehensive suite of products, encompassing consumer and mortgage loans, various investment opportunities, standard current and savings accounts, and credit cards, alongside integrated services such as leasing, insurance, and building society products. For corporate and institutional customers, Erste Group delivers advanced financial solutions like factoring, specialized financing (e.g., acquisition, project, and commercial real estate), interest rate and currency hedging, trade finance, cash management, and capital market services, including loan syndication and both debt and equity offerings. Further offerings extend to corporate finance advisory, portfolio management, trading, market making, and liquidity management. By the end of 2021, the institution maintained a substantial physical presence, operating 2,091 branches.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR115.90 -0.30 (-0.26%)
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Volume Profile
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Liquidity & share structure
Average Volume
406.1K
Beta
0.80
Float Shares
300.04M
Free Float %
77.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.40% -1.63% -7.56% -5.29% +5.00% -7.03% +35.29% +209.91% +199.81% +310.54% +761.73%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Buy
Price Targets & DCF
Current price
115.90
DCF (Unlevered) 302.71 +161.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 63% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 6 0
Hold 5 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    -10.8% Q1'26: +19.7% (vs Q1'25)
  • EPS growth
    +14.6% Q1'26: +18.1% (vs Q1'25)
  • FCF margin
    Q1'26: +15.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +24.1% (vs Q1'25)
  • ROIC
    Q1'26: +4.2% (vs Q1'25)
  • Share dilution
    -1.4% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 13.80× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.83) × ERP
WACC = 35% × Ke + 65% × Kd (11.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 301.33 Current price: 115.90
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
11 Rev. Ana.
11 EPS Ana.
Dec 2027
13 Rev. Ana.
11 EPS Ana.
Dec 2028
9 Rev. Ana.
9 EPS Ana.
Dec 2029
4 Rev. Ana.
3 EPS Ana.
Revenue
8.77B
est: 6.62B (+32.4%)
8.41B
est: 6.48B (+29.8%)
8.05B
est: 6.53B (+23.3%)
9.27B
est: 6.76B (+37.3%)
9.71B
est: 7.08B (+37.1%)
8.96B
est: 7.02B (+27.6%)
9.21B
est: 7.62B (+20.8%)
13.69B
est: 8.42B (+62.5%)
22.58B
est: 10.50B (+115.2%)
22.48B
est: 10.96B (+105.0%)
20.06B
est: 11.49B (+74.6%)
15.72B
15.03B – 16.25B
+36.8% YoY
16.47B
15.37B – 17.48B
+4.8% YoY
17.24B
17.20B – 17.28B
+4.7% YoY
17.28B
16.31B – 18.10B
+0.2% YoY
EBITDA
2.21B
est: 1.82B (+21.4%)
2.57B
est: 1.78B (+44.8%)
2.64B
est: 1.79B (+47.2%)
3.07B
est: 1.85B (+65.4%)
3.07B
est: 1.94B (+57.8%)
1.98B
est: 1.93B (+2.9%)
3.54B
est: 2.09B (+69.2%)
3.82B
est: 2.31B (+65.1%)
5.43B
est: 2.99B (+81.2%)
5.55B
est: 3.13B (+77.5%)
5.53B
est: 3.28B (+68.8%)
4.49B
4.29B – 4.63B
+36.8% YoY
4.70B
4.38B – 4.99B
+4.8% YoY
4.92B
4.91B – 4.93B
+4.7% YoY
4.93B
4.65B – 5.16B
+0.2% YoY
EBIT
1.64B
est: 1.51B (+8.4%)
1.95B
est: 1.48B (+31.9%)
2.08B
est: 1.49B (+39.5%)
2.49B
est: 1.54B (+61.8%)
2.33B
est: 1.62B (+44.1%)
1.37B
est: 1.60B (-14.7%)
2.93B
est: 1.74B (+68.6%)
3.22B
est: 1.92B (+67.6%)
4.80B
est: 2.64B (+81.9%)
5.00B
est: 2.75B (+81.5%)
5.35B
est: 2.89B (+85.6%)
3.95B
3.77B – 4.08B
+36.8% YoY
4.14B
3.86B – 4.39B
+4.8% YoY
4.33B
4.32B – 4.34B
+4.7% YoY
4.34B
4.10B – 4.55B
+0.2% YoY
Net Income
968.16M
est: 933.51M (+3.7%)
1.26B
est: 1.25B (+1.5%)
1.32B
est: 1.21B (+9.1%)
1.79B
est: 1.58B (+13.8%)
1.47B
est: 1.51B (-2.6%)
783.10M
est: 688.94M (+13.7%)
1.92B
est: 1.73B (+11.5%)
2.17B
est: 2.00B (+8.2%)
3.00B
est: 3.02B (-0.9%)
3.13B
est: 3.03B (+3.0%)
3.51B
est: 3.22B (+9.0%)
3.85B
3.75B – 4.38B
+19.5% YoY
4.33B
3.89B – 5.00B
+12.5% YoY
4.71B
4.27B – 5.49B
+8.8% YoY
4.43B
4.11B – 4.71B
-5.9% YoY
SGA
842.00M
est: 533.77M (+57.7%)
904.50M
est: 521.90M (+73.3%)
983.30M
est: 525.92M (+87.0%)
907.00M
est: 544.36M (+66.6%)
937.60M
est: 570.72M (+64.3%)
867.80M
est: 565.95M (+53.3%)
901.50M
est: 614.32M (+46.7%)
1.03B
est: 678.63M (+51.5%)
1.47B
est: 991.52M (+48.1%)
1.53B
est: 1.04B (+47.6%)
3.34B
est: 1.09B (+207.3%)
1.49B
1.42B – 1.53B
+36.8% YoY
1.56B
1.45B – 1.65B
+4.8% YoY
1.63B
1.63B – 1.63B
+4.7% YoY
1.63B
1.54B – 1.71B
+0.2% YoY
EPS
2.27
est: 2.24 (+1.2%)
2.93
est: 2.99 (-2.1%)
2.94
est: 2.90 (+1.5%)
4.20
est: 3.79 (+10.9%)
3.23
est: 3.63 (-10.9%)
1.84
est: 1.66 (+11.2%)
4.17
est: 4.15 (+0.6%)
4.83
est: 4.81 (+0.5%)
6.81
est: 7.17 (-5.0%)
7.20
est: 7.47 (-3.6%)
8.24
est: 7.89 (+4.5%)
9.84
9.14 – 10.68
+24.8% YoY
10.94
9.47 – 12.19
+11.2% YoY
11.87
10.41 – 13.38
+8.5% YoY
10.80
10.02 – 11.47
-9.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-08 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-07 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-06 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-05 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-04 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-04-30 B 3/5 3/5 5/5 4/5 1/5 2/5 2/5
2026-04-29 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-28 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-27 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-24 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-23 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-22 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-04-21 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-04-20 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-04-17 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-16 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-15 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
16.78B
OE per share TTM
41.58
Owner's Yield
41.04%
Maintenance CapEx ratio
6.11%
Maint CapEx / Avg PPE
17.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
116.8K
Shares Outstanding
388.41M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Maurizio Poletto Chief Operating Officer, Chief Platform Officer & Member of Management Board 3M male
Peter Bosek Chairman of the Management Board, Chief Executive Officer & Chief Retail Officer 3M
Magistrate Ingo Bleier Chief Corporates & Markets Officer and Member of Management Board 2M
Stefan Dorfler Chief Financial Officer & Member of Management Board 2M male
Magistrate Alexandra Habeler-Drabek Mag. CRO & Member of the Management Board 2M
Gernot Mittendorfer Consultant 1M male
Thomas Sommerauer Head of Group Investor Relations male
Christoph Schoefboeck Chief Executive Officer of Erste Bank Croatia
Henning Esskuchen Head of Equity Research CEE male
Manfred Neuwirth Head of Group Markets Financial Institutions male
Bernhard Leder Head of Group Markets Origination & Funding
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits