Erste Group Bank (EBKOF) Ratios
Erste Group Bank Ratios
EBKOF's free cash flow for Q2 2026 was $-2.80B. For the 2026 fiscal year, EBKOF's free cash flow was decreased by $-178.00M and operating cash flow was $-2.62B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 2.00 | 0.18 | 0.22 | 0.24 | 0.27 |
| Quick Ratio | 2.00 | 0.18 | 0.22 | 0.39 | 0.27 |
| Cash Ratio | 1.50 | 0.17 | 0.21 | 0.23 | 0.26 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.27 | -0.14 | 0.01 | -0.04 | 0.05 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -300.44B | $ -277.38B | $ -254.51B | $ -246.96B | $ -219.73B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.21 | 0.15 | 0.13 | 0.11 | 0.11 |
| Debt-to-Equity Ratio | 3.33 | 2.27 | 2.05 | 1.89 | 1.82 |
| Debt-to-Capital Ratio | 0.77 | 0.69 | 0.67 | 0.65 | 0.65 |
| Long-Term Debt-to-Capital Ratio | 0.77 | 0.69 | 0.67 | 0.74 | 0.65 |
| Financial Leverage Ratio | 16.15 | 15.29 | 15.57 | 16.74 | 17.08 |
| Debt Service Coverage Ratio | 0.54 | 0.39 | 0.37 | 0.62 | 1.87 |
| Interest Coverage Ratio | 0.61 | 0.43 | 0.39 | 0.61 | 1.82 |
| Debt to Market Cap | 1.78 | 2.12 | 2.84 | 4.42 | 1.86 |
| Interest Debt Per Share | 206.65 | 154.28 | 133.09 | 98.01 | 80.53 |
| Net Debt to EBITDA | 8.20 | 1.77 | -1.29 | -3.31 | -8.25 |
| Profitability Margins | |||||
| Gross Profit Margin | 56.03% | 48.47% | 45.70% | 61.35% | 82.52% |
| EBIT Margin | 26.70% | 22.23% | 21.23% | 23.54% | 31.85% |
| EBITDA Margin | 29.44% | 24.70% | 24.03% | 27.88% | 38.44% |
| Operating Profit Margin | 26.92% | 22.23% | 21.23% | 23.54% | 31.85% |
| Pretax Profit Margin | 26.70% | 22.23% | 21.23% | 23.54% | 31.85% |
| Net Profit Margin | 17.50% | 13.90% | 13.28% | 15.82% | 20.89% |
| Continuous Operations Profit Margin | 21.20% | 17.55% | 17.36% | 19.48% | 26.15% |
| Net Income Per EBT | 65.54% | 62.54% | 62.52% | 67.19% | 65.57% |
| EBT Per EBIT | 99.15% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.95% | 0.88% | 0.89% | 0.67% | 0.63% |
| Return on Equity (ROE) | 15.38% | 13.51% | 13.85% | 11.19% | 10.69% |
| Return on Capital Employed (ROCE) | 1.54% | 4.92% | 5.44% | 3.00% | 4.46% |
| Return on Invested Capital (ROIC) | 1.22% | 3.89% | 4.45% | -2.62% | 3.66% |
| Return on Tangible Assets | 0.96% | 0.89% | 0.89% | 0.67% | 0.63% |
| Earnings Yield | 8.31% | 12.60% | 19.16% | 16.96% | 10.91% |
| Efficiency Ratios | |||||
| Receivables Turnover | 238.76 | 8.39 | 8.76 | 0.00 | 4.28 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.16 | 0.00 |
| Fixed Asset Turnover | 6.82 | 8.16 | 8.68 | 5.23 | 3.48 |
| Asset Turnover | 0.05 | 0.06 | 0.07 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.21 | -0.11 | -0.13 | -0.08 | -0.05 |
| Cash Conversion Cycle | 1.53 | 43.49 | 41.68 | -2266.67 | 85.30 |
| Days of Sales Outstanding | 1.53 | 43.49 | 41.68 | 0.00 | 85.30 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -2266.67 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 1.53 | 43.49 | 41.68 | -2266.67 | 85.30 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 12.26 | -84.42 | 6.07 | -20.64 | 26.75 |
| Free Cash Flow Per Share | 10.43 | -86.21 | 4.83 | -21.76 | 25.47 |
| Dividend Paid and CapEx Coverage Ratio | 2.40 | -17.88 | 1.85 | -7.15 | 8.75 |
| Capital Expenditure Coverage Ratio | 6.68 | -47.06 | 4.90 | -18.40 | 20.81 |
| Operating Cash Flow Coverage Ratio | 0.07 | -0.67 | 0.06 | -0.24 | 0.35 |
| Operating Cash Flow to Sales Ratio | 0.25 | -1.56 | 0.11 | -0.64 | 1.24 |
| Free Cash Flow Yield | 10.13% | -144.51% | 13.15% | -72.79% | 61.59% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.49 | 7.94 | 5.22 | 5.90 | 9.16 |
| Price-to-Sales (P/S) Ratio | 2.11 | 1.10 | 0.69 | 0.93 | 1.91 |
| Price-to-Book (P/B) Ratio | 1.85 | 1.07 | 0.72 | 0.66 | 0.98 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.87 | -0.69 | 7.60 | -1.37 | 1.62 |
| Price-to-Operating Cash Flow Ratio | 8.39 | -0.71 | 6.05 | -1.45 | 1.55 |
| Price-to-Earnings Growth (PEG) Ratio | 0.86 | 1.39 | 0.13 | 0.37 | 0.07 |
| Enterprise Value Multiple | 15.35 | 6.24 | 1.59 | 0.04 | -3.27 |
| Enterprise Value | 90.65B | 34.64B | 8.65B | 133.98M | -11.58B |
| EV to EBITDA | 15.35 | 6.24 | 1.59 | 0.04 | -3.27 |
| EV to Sales | 4.52 | 1.54 | 0.38 | 0.01 | -1.26 |
| EV to Free Cash Flow | 21.18 | -0.97 | 4.20 | -0.01 | -1.07 |
| EV to Operating Cash Flow | 18.01 | -0.99 | 3.34 | -0.02 | -1.02 |
| Tangible Book Value Per Share | 72.54 | 70.66 | 63.83 | 56.10 | 51.97 |
| Shareholders’ Equity Per Share | 55.60 | 55.63 | 50.82 | 45.31 | 42.22 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.18 | 0.17 | 0.18 |
| Revenue Per Share | 48.87 | 54.05 | 53.02 | 32.05 | 21.60 |
| Net Income Per Share | 8.55 | 7.51 | 7.04 | 5.07 | 4.51 |
| Tax Burden | 0.66 | 0.63 | 0.63 | 0.67 | 0.66 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.07 | 0.07 | 0.06 | 0.08 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.17 | -11.73 | 0.66 | -3.31 | 4.74 |
Currency in EUR