profit from every €100 of sales.
€0€100
Erste Group Bank
€115.90-0.86% today
+14.0% since Dec 21, 25
1-year low €90.051-year high €126.50
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €12.82 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Erste Group Bank sold, what it kept, and what it did with the cash.
Sales went from €8.40 billion in 2022 to €11.8 billion in 2025, with €3.51 billion of profit last year.
SalesProfit
Erste Group Bank handed back 47% of the cash it generated last year.
€1.3B
Free cash flow 2025€3.3B
Bought back its own shares€205M
Paid as dividends€1.3B
Cash vs. debt€41.2B vs. €55.6B
Erste Group Bank vs. similar companies
Erste Group Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Erste Group Bank | 12.8× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Erste Group Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 8,396 | 10,318 | 10,894 | 11,761 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 2,165 | 2,998 | 3,125 | 3,510 | |
| 4.83 | 6.80 | 7.19 | 8.24 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.8% | 29.1% | 28.7% | 29.8% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 323,865 | 337,155 | 353,736 | 368,574 |
| Cash | 49,199 | 51,426 | 42,749 | 41,240 |
| Total debt | 36,565 | 44,427 | 52,579 | 55,593 |
| Total liabilities | 298,560 | 308,654 | 322,968 | 333,910 |
| 19,348 | 21,648 | 23,135 | 26,297 | |
| 427 | 426 | 416 | 409 | |
| – | – | – | – | |
| 11.2% | 13.8% | 13.5% | 13.3% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -8,815 | 2,586 | -9,029 | 4,039 | |
| 479 | 528 | 746 | 753 | |
| -9,294 | 2,058 | -9,775 | 3,286 | |
| Dividends paid | 754 | 869 | 1,217 | 1,344 |
| 2 | 107 | 545 | 205 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.8×
- –
- 0.66
- 1.7×
- 3.8×
- 7.8%
- 3.0%
Profitability
- 29.8%
- –
- –
- –
- –
Growth
- +11.9%
- +19.5%
- –
- −1.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 45%of 883
Top 43%of 880
Top 36%of 929
3.0%of the share price, paid each year
On $1,000 invested$30a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
38.3% of its profit
Room to growStretchedMore than it earns: 40.9%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Erste Group Bank
Is Erste Group Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Erste Group Bank AI analysis
What does Erste Group Bank do?
Erste Group Bank AG provides various banking and other financial services to retail, corporate, and public sector customers. It is in Banks - Regional, based in Vienna, Austria, with 55,431 employees.
Does Erste Group Bank pay a dividend?
Yes. At today's price the dividend is 3.0% a year, about 38% of its yearly profit. In 2025 it paid out €1.34 billion in dividends.
Is Erste Group Bank stock halal?
No. Erste Group Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
Who are Erste Group Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Erste Group Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.