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Home CompaniesErste Group Bank AG

Erste Group Bank AG

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
123.25 USD -2.94 ( 2.33%)
Last update at 2026-11-06T14:30:00Z
VOLUME
5800
Market Cap
53928.69M
P/E
13.21

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
123.25
Low
126.35
High
52 Week Price Range
93.04
Low
147.56
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

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.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
126.19
Dividend Yield
0.55%
Revenue TTM
13107.00M
Revenue Per Share
32.05
Gross Profit TTM
13107.00M
Debt / Equity
2.44
ROE
13.21%
Net Debt
28030.33M
ROCE
5.57%
Diluted EPS TTM
10.51

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

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

Peer Comparison*

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

Profile*

Erste Group Bank AG

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.

Am Belvedere 1, Vienna, Austria, 1100

43 5 0100 10100

https://www.erstegroup.com

55231

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.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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