Erste Group Bank AG

EBKDY

Banks - Regional · Financial Services

Price

$64.30

-0.85 (-1.30%)

Market Cap

$100.43B

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+92.6% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 852.5M (2021) → 1.64B (2025)

Erste Group Bank AG is a large bank based in Austria that provides everyday financial services to regular people and businesses. Its main products include checking and savings accounts, loans, mortgages, and credit cards. It also offers services to corporations and governments, such as business loans and investment banking.

Erste Group makes money primarily by collecting interest on loans and charging fees for banking services. It operates mainly in Central and Eastern Europe, with a strong presence in Austria, Czech Republic, Slovakia, Hungary, Romania, and Croatia, serving around 17 million customers. Its competitive advantage comes from being one of the largest and most established retail banks in the region, giving it a wide branch network and strong brand recognition. The key risk the company faces is exposure to economic slowdowns or political instability in Central and Eastern Europe, which could increase loan defaults and pressure profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+111.3% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+14.6% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

56.9%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$433.5B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Erste Group Bank AG grew revenue 111% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

64.3%

Premium pricing power — 64.3% gross margin

Operating Margin

26.4%

Excellent — 26.4% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+38.5%

Fast-growing sales (38.5% YoY)

EPS YoY

-22.9%

Earnings shrinking (-22.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

525%

Turns 525% of profit into real cash

FCF Margin

95.7%

Converts sales into free cash efficiently (95.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

4.11

Heavy debt load (4.11)

Interest Cover

1.36x

Dangerous — barely covers interest (1.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

28.1x

Growth-priced — P/E 28.1

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+17.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (28.1 → 10.4)

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Dividends

Dividend Yield

0.63%

Small dividend — 0.63% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+84.6%

Dividend growing fast (84.6% YoY)

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