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Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, and public sector customers. It offers savings and current accounts, and term deposit products; consumer credit and mortgage lending; commercial real estate, investment loan, acquisition and leveraged finance, project finance, and product neutral financial advice; and factoring, accounts receivable purchasing, working capital finance, and structured trade finance, and ErsteConfirming, a supply chain finance solution. The company also provides interests and FX hedging, letters of credit, documentary collections, and guarantees; cash-management solutions, such as cash pooling, payment transactions, digital banking, payment factory, VIRTUAL.IBAN, and POS-terminals and e-commerce; equity interests and investments, revolving export credit lines, and customer financing. In addition, it offers loan syndication, debt capital market, and equity capital market services; custody and brokerage services, including safekeeping, settlement, corporate action events, tax reclaim assistance, proxy voting, brokerage services, securities lending, clearing services for remote members on Vienna Stock Exchange, and market news services; and George, a digital retail product. The company operates in Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, Serbia, and internationally. Erste Group Bank AG was founded in 1819 and is based in Vienna, Austria.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Erste Group Bank AG is a large Austrian retail and corporate bank with a diversified franchise across Central and Eastern Europe offering deposits, lending, payments and wealth services. Long-term growth may be supported by expanding retail and SME lending in CEE and digitalization of distribution, which could help sustain recurring earnings and dividends.
Key risks include sensitivity to CEE economic and political cycles affecting credit quality, exposure to interest-rate and liquidity volatility, regulatory and compliance developments across jurisdictions and execution risk on digital and operational initiatives.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 5351.99M | 4997.00M | 4795.00M | 3222.40M | 2933.40M |
| Minority interest | -788.00M | -819.00M | -923.00M | -501.60M | -484.76M |
| Net income | 3507.69M | 3125.00M | 2998.00M | 2164.70M | 1923.40M |
| Selling general administrative | 3333.75M | 1529.00M | 1468.00M | 834.20M | 1180.30M |
| Selling and marketing expenses | - | 237.00M | 222.00M | 192.90M | - |
| Gross profit | 11761.00M | 11060.00M | 10321.00M | 8394.30M | 7599.20M |
| Reconciled depreciation | 560.00M | 547.00M | 632.00M | 593.80M | 548.04M |
| Ebit | 5400.00M | - | 4795.00M | 2720.80M | 2448.60M |
| Ebitda | 5960.00M | - | 5427.00M | 3314.60M | 3055.20M |
| Depreciation and amortization | 560.00M | 547.00M | 632.00M | 593.80M | 606.60M |
| Operating income | 5397.98M | 5368.00M | 4795.00M | 2720.80M | 2448.60M |
| Other operating expenses | 15884.05M | 5692.00M | 17788.00M | 4867.50M | 4496.10M |
| Interest expense | 8815.70M | 11581.00M | 12262.00M | 5289.70M | 1609.60M |
| Tax provision | 1103.00M | 1053.00M | 874.00M | 556.10M | 525.21M |
| Interest income | 16607.00M | 19109.00M | 19490.00M | 11240.20M | 6585.36M |
| Net interest income | 7788.00M | 7528.00M | 7227.00M | 5950.50M | 4975.68M |
| Income tax expense | 1102.59M | 1053.00M | 874.00M | 556.10M | 525.20M |
| Total revenue | 21236.04M | 11060.00M | 22583.00M | 8394.30M | 7599.20M |
| Total operating expenses | 6361.00M | 5692.00M | 5526.00M | 4867.50M | 4496.10M |
| Cost of revenue | 8815.70M | 11581.00M | 12262.00M | - | - |
| Total other income expense net | -45.98M | -371.00M | -472.00M | 501.60M | 484.80M |
| Net income from continuing ops | 4297.00M | 3944.00M | 3921.00M | 2666.30M | 2408.14M |
| Net income applicable to common shares | - | - | - | 2164.72M | 1775.59M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 368435.96M | 353736.00M | 337155.00M | 323865.00M | 307428.20M |
| Intangible assets | 791.70M | 774.00M | 769.00M | 791.00M | 812.00M |
| Other current assets | -84.00M | 162.00M | 135.00M | 261.61M | 6913.10M |
| Total liab | 333910.00M | 322968.00M | 308654.00M | 36565.10M | 32718.10M |
| Total stockholder equity | 22809.45M | 23135.00M | 21648.00M | 19347.60M | 17997.40M |
| Other current liab | 271554.00M | 251994.00M | 248799.00M | 1030.62M | 2875.40M |
| Common stock | 820.69M | 821.00M | 843.00M | 859.60M | 859.60M |
| Capital stock | 821.00M | 821.00M | 843.00M | 859.60M | 859.60M |
| Retained earnings | 20473.33M | 18110.00M | 16906.00M | 14774.10M | 13423.90M |
| Other liab | - | - | - | 5171.40M | 3979.00M |
| Good will | 620.77M | 608.00M | 545.00M | 556.00M | 550.00M |
| Other assets | - | 353736.00M | -63956.65M | 208929.70M | 186351.90M |
| Cash | 27562.67M | 42749.00M | 51426.00M | 49199.00M | 61924.00M |
| Total current liabilities | 271554.00M | 252235.00M | 249064.00M | 256822.87M | 253574.60M |
| Current deferred revenue | - | - | 114.00M | - | - |
| Net debt | 28030.33M | 9830.00M | -6999.00M | -12633.90M | -29205.90M |
| Short term debt | - | - | 14752.00M | - | - |
| Short long term debt total | 55593.00M | 52579.00M | 44427.00M | 36565.10M | 32718.10M |
| Other stockholder equity | 4994.43M | 4204.00M | 3899.00M | 3713.90M | 3713.90M |
| Property plant equipment | - | - | - | 2709.00M | 2645.20M |
| Total current assets | 36936.16M | 45589.00M | 54140.00M | 51603.00M | 64076.00M |
| Long term investments | 79631.00M | 75632.00M | 63488.00M | 59369.30M | 52994.03M |
| Net tangible assets | - | - | - | 18000.45M | 16635.10M |
| Short term investments | 9373.49M | - | -19917.00M | - | - |
| Net receivables | 84.00M | 2678.00M | 2579.00M | 2404.00M | 2152.00M |
| Inventory | - | - | 34105.97M | - | 149.00M |
| Accounts payable | - | - | -14866.00M | 252793.34M | 240823.00M |
| Accumulated other comprehensive income | -1193.55M | - | 1167.00M | - | - |
| Non currrent assets other | 4541.30M | 92182.00M | 77102.00M | -63332.30M | -57000.30M |
| Non current assets total | 331499.79M | 308147.00M | 283015.00M | 63332.30M | 57000.30M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 3.00M | -850.00M | -599.00M | -233.10M | -18.90M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -6596.53M | -850.00M | -599.00M | - | -483.40M |
| Total cash from financing activities | 3973.51M | -1553.00M | -1020.00M | -756.50M | -1306.90M |
| Change to operating activities | - | - | - | - | -17697.80M |
| Net income | 3369.72M | 3945.00M | 3921.00M | 2666.30M | 2408.10M |
| Change in cash | - | -11556.00M | 1000.00M | -9810.60M | 9656.90M |
| Begin period cash flow | 25129.00M | 36685.00M | 35685.00M | 45495.40M | 35838.50M |
| End period cash flow | 27573.00M | 25129.00M | 36685.00M | 35684.80M | 45495.40M |
| Total cash from operating activities | 5031.11M | -9029.00M | 2586.00M | -8815.40M | 11403.70M |
| Issuance of capital stock | 1013.00M | 290.00M | - | - | 1.40M |
| Depreciation | 550.00M | 554.00M | 632.00M | 593.80M | 606.60M |
| Other cashflows from investing activities | -8058.98M | -23.00M | -74.00M | - | - |
| Dividends paid | 1343.50M | 1217.00M | 869.00M | -753.60M | -756.00M |
| Change to account receivables | - | -277.00M | -422.00M | - | - |
| Sale purchase of stock | -204.92M | -545.00M | -107.00M | -2.00M | -496.80M |
| Other cashflows from financing activities | 11206.80M | -81.00M | -44.00M | -0.90M | -15.50M |
| Change to netincome | - | - | - | - | 1052.50M |
| Capital expenditures | 752.72M | 746.00M | 528.00M | 478.60M | 548.00M |
| Change in working capital | -1909.29M | -13036.00M | -2798.00M | -13037.40M | 7875.20M |
| Stock based compensation | - | - | 45.00M | - | - |
| Other non cash items | 3570.67M | -492.00M | 831.00M | 961.90M | 513.80M |
| Free cash flow | 4278.40M | -9775.00M | 2058.00M | -9294.00M | 10855.70M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| EBKOF Erste Group Bank AG |
-2.94 2.33% |
123.25 | 13.21 | 5.21 | 4.11 | 1.61 | 7.64 |
| DBSDY DBS Group Holdings Ltd ADR |
4.37 2.02% |
220.25 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.05 0.14% |
34.68 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, and public sector customers. It offers savings and current accounts, and term deposit products; consumer credit and mortgage lending; commercial real estate, investment loan, acquisition and leveraged finance, project finance, and product neutral financial advice; and factoring, accounts receivable purchasing, working capital finance, and structured trade finance, and ErsteConfirming, a supply chain finance solution. The company also provides interests and FX hedging, letters of credit, documentary collections, and guarantees; cash-management solutions, such as cash pooling, payment transactions, digital banking, payment factory, VIRTUAL.IBAN, and POS-terminals and e-commerce; equity interests and investments, revolving export credit lines, and customer financing. In addition, it offers loan syndication, debt capital market, and equity capital market services; custody and brokerage services, including safekeeping, settlement, corporate action events, tax reclaim assistance, proxy voting, brokerage services, securities lending, clearing services for remote members on Vienna Stock Exchange, and market news services; and George, a digital retail product. The company operates in Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, Serbia, and internationally. Erste Group Bank AG was founded in 1819 and is based in Vienna, Austria.
| Name | Title | Year Born |
|---|---|---|
| Mr. Stefan Dorfler | CFO & Member of Management Board | 1971 |
| Mr. David O'Mahony | COO & Member of Management Board | 1965 |
| Magistrate Alexandra Habeler-Drabek Mag. | Chief Risk Officer & Member of Management Board | 1970 |
| Magistrate Ingo Bleier | Chief Retail Officer, Chief Corp. & Markets Officer and Member of Management Board | 1970 |
| Magistrate Willibald Cernko | CEO, Chief Retail Officer & Member of Management Board | 1956 |
| Mr. Maurizio Poletto | Chief Platform Officer & Member of Management Board | 1973 |
| Mr. Johannes Leobacher | Head of Corp. and Investment Banking Division | 1964 |
| Mr. Thomas Sommerauer | Head of Group Investor Relations | 1972 |
| Ms. Carmen Staicu | Spokesperson & Head of Group External Communications | NA |
| Markus Posch | Head of Group HR | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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