Erste Group (EBO) Fair Value & Analysis
Financial Services · DE · Market cap €40.0B
Fair value as of: Jun 26, 2026
From 25 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from €79.76 to €153.58 (+92.6%) since Jun 24, 2026. Share price +11.7% over the past month.
Price vs Fair Value (12 months)
12‑month range €71.35 – €118.12 · fair‑value band €115.19 – €191.98 · the €116.60 price screens below the €153.58 fair value. As of Jun 26, 2026.
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Erste Group (EBO) currently trades at €116.60, while our model-based Fair Value estimate is €153.58 — implying the stock looks roughly 31.7% undervalued today. We read business quality at 92/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Erste Group generated revenue of €12.0B at a net margin of 30.4%. Revenue grew 28.9% year over year. It earns a return on equity of 12.5%. Net debt stands at €48.4B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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 ser…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Erste Group reported revenue of €20.1B in FY2025 versus €9.2B in FY2021, a compound +21.5%/yr. Reported net income was €3.5B in FY2025, compounding +16.2%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.