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Erste Group Bank AG/ADR Sponsored ADR(EBKDY US)

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees
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EBKDY US​

Erste Group Bank AG/ADR Sponsored ADR — Company Profile

Erste Group Bank AG, a venerable financial institution established in 1819 and headquartered in Vienna, Austria, delivers a broad spectrum of banking and financial solutions. The company serves a diverse clientele that includes individual consumers, corporate businesses, real estate developers, and public sector entities. Its primary operational footprint spans Austria and Central and Eastern Europe, complemented by additional international activities. The bank's offerings encompass a comprehensive range of retail banking services, such as home and personal loans, various investment opportunities, checking and savings accounts, and credit facilities. Beyond core banking, it also facilitates cross-selling products like leasing, insurance, and building society services. For its corporate and institutional clients, Erste Group provides specialized financial instruments. These include various financing structures for investments, acquisitions, leveraged transactions, project development, and commercial real estate, alongside working capital and bridge loans. The company supports businesses with liquidity management through services like factoring and accounts receivable purchasing, cash management, and a suite of trade finance products such as letters of credit, documentary collections, and guarantees. Risk mitigation tools, including interest rate and currency hedging, are also available. Furthermore, Erste Group is active in capital markets, offering loan syndication, debt and equity capital market services, custody, brokerage, and market-making functions. Additional specialized services comprise corporate finance advisory, portfolio management, digital banking solutions, payment processing, and cash logistics. Internally, the company structures its operations through segments like Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and a Group Corporate Center. As of December 31, 2021, its extensive branch network consisted of 2,091 locations, solidifying its significant market presence.

Sector
Financials
Industry
Capital Markets
Exchange
UU
CEO
Peter Bosek
Headquarters
Vienna, NY, AT
IPO Date
Jan 5, 2010
Employees
49,024
Website
www.erstegroup.com

Key Metrics

Price
$64.08
Market Cap
$99.57B
Revenue (TTM)
$5.89B
Net Income (TTM)
$892.44M
EPS (TTM)
0.55
P/E (TTM)
27.23
P/B (TTM)
4.26
Dividend Yield
74.92%
ROE (TTM)
3.81%
ROA (TTM)
0.20%
Operating Margin
26.44%
Beta
1.04

Dividends

Last Dividend
$0.44
Last Yield
0.75%

Summary

Erste Group Bank AG, a venerable financial institution established in 1819 and headquartered in Vienna, Austria, delivers a broad spectrum of banking and financial solutions. The company serves a diverse clientele that includes individual consumers, corporate businesses, real estate developers, and public sector entities. Its primary operational footprint spans Austria and Central and Eastern Europe, complemented by additional international activities. The bank's offerings encompass a comprehensive range of retail banking services, such as home and personal loans, various investment opportunities, checking and savings accounts, and credit facilities. Beyond core banking, it also facilitates cross-selling products like leasing, insurance, and building society services. For its corporate and institutional clients, Erste Group provides specialized financial instruments. These include various financing structures for investments, acquisitions, leveraged transactions, project development, and commercial real estate, alongside working capital and bridge loans. The company supports businesses with liquidity management through services like factoring and accounts receivable purchasing, cash management, and a suite of trade finance products such as letters of credit, documentary collections, and guarantees. Risk mitigation tools, including interest rate and currency hedging, are also available. Furthermore, Erste Group is active in capital markets, offering loan syndication, debt and equity capital market services, custody, brokerage, and market-making functions. Additional specialized services comprise corporate finance advisory, portfolio management, digital banking solutions, payment processing, and cash logistics. Internally, the company structures its operations through segments like Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and a Group Corporate Center. As of December 31, 2021, its extensive branch network consisted of 2,091 locations, solidifying its significant market presence.

Website
www.erstegroup.com
Location
Vienna, NY, AT
Phone43 5 0100 10100
Employees49,024
CEOPeter Bosek
Sector
Financials
Industry
Capital Markets
IPO DateJan 5, 2010

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Latest Documents

SEC Filings(5)

Expand
  • EFFECTNotice of effectiveness9 Jul
  • F-6Registration statement (depository shares)1 Jul
  • F-6 POSPost-effective amendment (depository shares)2 Dec 2022
  • EFFECTNotice of effectiveness26 May 2020
  • F-6Registration statement (depository shares)18 May 2020

News

  • Contrasting Bank of the James Financial Group (NASDAQ:BOTJ) & Erste Group Bank (OTCMKTS:EBKDY)19 Oct
  • SHG vs. EBKDY: Which Stock Is the Better Value Option?9 Oct
  • Contrasting Erste Group Bank (OTCMKTS:EBKDY) and Fifth District Bancorp (NASDAQ:FDSB)5 Oct
  • Erste Group Bank (OTCMKTS:EBKDY) Shares Gap Down – Here’s Why3 Oct
  • SHG or EBKDY: Which Is the Better Value Stock Right Now?18 Sep
  • Erste Group Bank (OTCMKTS:EBKDY) Share Price Crosses Above Fifty Day Moving Average – Should You Sell?9 Sep
  • SHG vs. EBKDY: Which Stock Is the Better Value Option?28 Aug
  • Short Interest in Erste Group Bank AG (OTCMKTS:EBKDY) Increases By 3,613.0%13 Aug
  • SHG or EBKDY: Which Is the Better Value Stock Right Now?12 Aug
  • Erste Group Bank AG (EBKDY) Q2 2026 Earnings Call Transcript1 Aug
  • Erste Group Bank AG (EBKDY) Q2 2026 Earnings Call Transcript1 Aug
  • SHG vs. EBKDY: Which Stock Is the Better Value Option?27 Jul

Mentions in Filings

  • … Banco Bilbao Vizcaya Argentaria, S.A. Banco Santander, S.A. Bank of Montreal, London Branch Barclays Bank PLC CaixaBank, S.A. Commerzbank Aktiengesellschaft Deutsche Bank AG, London Branch DZ Financial Markets LLC <strong>Erste Group Bank AG</strong> Intesa Sanpaolo IMI Securities Corp. Lloyds Securities Inc. MUFG Securities EMEA plc National Bank of Canada Financial Inc. NATIXIS Nomura Securities International, Inc. PNC Capital Markets LLC RB International Mark …
    CITIGROUP INCErste Group Bank AG/ADR Sponsored ADR·FWP - Free writing prospectus·Q4 26·20 Oct
  • … Banco Bilbao Vizcaya Argentaria, S.A. Banco Santander, S.A. Bank of Montreal, London Branch Barclays Bank PLC CaixaBank, S.A. Commerzbank Aktiengesellschaft Deutsche Bank AG, London Branch DZ Financial Markets LLC <strong>Erste Group Bank AG</strong> Intesa Sanpaolo IMI Securities Corp. Lloyds Securities Inc. MUFG Securities EMEA plc National Bank of Canada Financial Inc. NATIXIS Nomura Securities International, Inc. PNC Capital Markets LLC RB International Mark …
    CITIGROUP INCErste Group Bank AG/ADR Sponsored ADR·FWP - Free writing prospectus·Q4 26·20 Oct
  • … ducts. Recent corporate transactions completed by the Santander Group include the sale of Santander Poland and the acquisitions of TSB and Webster (each as defined herein). On January 9, 2026, Santander Parent and <strong>Erste Group Bank AG</strong> (“Erste”) announced the completion of the sale of Santander Bank Polska (“Santander Poland”), which had been disclosed in May 2025, after obtaining all required regulatory approvals and fulfilling of the conditions …
    Banco Santander, S.A.Erste Group Bank AG/ADR Sponsored ADR·F-4 - Registration statement (business combination, foreign issuer)·Q3 26·21 Sep
  • … pital Markets (USA) LLC ANZ Securities, Inc. BBVA Securities Inc. BMO Capital Markets Corp. CaixaBank, S.A. Capital One Securities, Inc. CastleOak Securities, L.P. Commonwealth Bank of Australia Danske Markets Inc. <strong>Erste Group Bank AG</strong> ING Financial Markets LLC Lloyds Securities Inc. MUFG Securities Americas Inc. nabSecurities, LLC National Bank of Canada Financial Inc. Natixis Securities Americas LLC NatWest Markets Securities Inc. Nomura Securit …
    CITIGROUP INCErste Group Bank AG/ADR Sponsored ADR·FWP - Free writing prospectus·Q3 26·18 Sep
  • … emy Securities, Inc. ANZ Securities, Inc. BBVA Securities Inc. BMO Capital Markets Corp. CaixaBank, S.A. Capital One Securities, Inc. Commonwealth Bank of Australia Danske Markets Inc. Deutsche Bank Securities Inc. <strong>Erste Group Bank AG</strong> ING Financial Markets LLC Lloyds Securities Inc. MUFG Securities Americas Inc. nabSecurities, LLC Natixis Securities Americas LLC NatWest Markets Securities Inc. Nomura Securities International, Inc. Nordea Bank Abp …
    CITIGROUP INCErste Group Bank AG/ADR Sponsored ADR·FWP - Free writing prospectus·Q3 26·18 Sep
  • … RO Capital Markets (USA) LLC ANZ Securities, Inc. Barclays Capital Inc. BBVA Securities Inc. BMO Capital Markets Corp. CaixaBank, S.A. Capital One Securities, Inc. Commonwealth Bank of Australia Danske Markets Inc. <strong>Erste Group Bank AG</strong> HSBC Securities (USA) Inc. ING Financial Markets LLC Lloyds Securities Inc. Mizuho Securities USA LLC MUFG Securities Americas Inc. nabSecurities, LLC Natixis Securities Americas LLC NatWest Markets Securities Inc. …
    CITIGROUP INCErste Group Bank AG/ADR Sponsored ADR·FWP - Free writing prospectus·Q3 26·18 Sep

Key Stats

Trading

Px/Chg 1D$64.08 / -0.25%
Prev Close$72.26
% of 52Wk H98.55%
Avg Volume76.91K
Beta1.04
Mkt Cap99.57B
FD Mkt Cap111.94B

Float

Shrs Out/Float1.55B / 673.18M
Short Float0.00%
Days to Cover1.00
Stock Repurchased$0.00

Current Valuation

EV185.70B
EV/EBITDA31.41
EV/Sales9.66
P/B4.26
P/S5.18
FCF Yield0.97%
ROE3.81%
ROA0.20%
Current Ratio1.39

Dividend

Cash$0.44
Yield74.92%
Yield (TTM)74.92%

Estimates

P/E27.23
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgMar '23Mar '24Mar '25Mar '26Oct '26
PRICE-BASED RATIOS
Price / Earnings46.726.646.5817.7891.04111.57
Price / Sales7.541.050.872.4716.4016.89
Price / Book Value2.420.740.912.403.774.26
Price / Free Cash Flow27.54-1.559.59-5.6832.57102.79
ENTERPRISE VALUE METRICS
Enterprise Value81,977.29,237.719,587.973,024.9122,338.1185,697.6
Enterprise Value / Sales11.930.680.873.2523.3531.51
Enterprise Value / EBITDA44.652.423.6113.1687.65116.44
Enterprise Value / EBIT45.652.874.0914.6186.03120.67

Financials

Full Financials
Millions EUR5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue22.3%9,208.813,685.022,583.022,475.020,580.0
Gross Income11.5%7,599.28,396.010,321.010,894.011,761.0
EBITDA13.9%3,540.03,816.05,427.05,551.05,960.0
EBIT16.5%2,933.43,222.04,795.04,997.05,400.0
Net Income15.1%1,923.42,165.02,998.03,125.03,370.5
EPS (Diluted)-48.2%2.092.423.402.002.05
BALANCE SHEET
Cash & ST Inv-12.1%61,925.035,684.851,426.042,749.036,934.3
Total Assets4.6%307,428.2323,865.0337,155.0353,736.0368,417.1
Total Liabilities4.1%283,914.8298,560.3308,654.0322,968.0333,910.0
Total Shareholder Equity6.1%17,997.419,347.621,648.023,135.022,808.3
CASH FLOW
Net Operating Cash Flow-22.9%11,403.7-8,815.02,586.0-9,029.04,039.0
Cap Ex8.3%-548.0-479.0-528.0-746.0-753.0
Free Cash Flow-25.8%10,855.7-9,294.02,058.0-9,775.03,286.0

Enterprise Value Bridge

Millions EUR23 Oct '26
Price (As of 23 Oct '26)58.06
Basic Shares1,553.80
Market Cap90,213.9
Diluted Shares1,636.58
Fully Diluted Shares Outstanding1,636.58
Fully Diluted Market Cap95,019.8
+Consolidated Debt96,998.1
−In-the-Money Convertible Debt—
+Capital Leases844.9
+Operating Leases—
−Cash & Equivalents-24,339.4
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest13,471.0
+Pension Liabilities—
Enterprise Value176,343.6

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