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Eurobank Ergasias (EGFEY)
:EGFEY
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Eurobank Ergasias SA
(OTC:EGFEY)
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Rating:80Outperform
Price Target:―
Eurobank Ergasias SA exhibits strong financial performance with robust profitability and no debt, supported by positive technical indicators and attractive valuation. The earnings call reinforced the bank's growth prospects, despite some challenges. Overall, the stock's solid fundamentals and positive outlook contribute to a high overall score.
Eurobank Ergasias SA (EGFEY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$13.94B
Dividend Yield3.13%
Average Volume (3M)4.78K
Price to Earnings (P/E)8.9
Beta (1Y)0.76
Revenue Growth6.76%
EPS Growth21.58%
CountryUS
Employees12,382
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.06
Shares Outstanding7,371,478,500
10 Day Avg. Volume0
30 Day Avg. Volume4,781
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)0.88
Price to Sales (P/S)2.42
P/FCF Ratio79.37
Enterprise Value/Market Cap0.00
Enterprise Value/Revenue0.00
Enterprise Value/Gross Profit0.00
Enterprise Value/Ebitda0.00
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Eurobank Ergasias SA Business Overview & Revenue Model
Company DescriptionEurobank Ergasias SA (EGFEY) is a leading financial institution in Greece, primarily engaged in providing a broad range of banking services. The company operates in several sectors including retail banking, corporate and investment banking, wealth management, and insurance. Eurobank offers products such as loans, deposits, credit cards, and investment services to individual customers and businesses, positioning itself as a comprehensive financial service provider in the region.
How the Company Makes MoneyEurobank Ergasias SA generates revenue through various streams including interest income from loans and advances to customers, which forms a significant portion of its earnings. The bank also earns from fee and commission income linked to its wealth management and investment banking services. Additionally, Eurobank benefits from trading income, insurance operations, and partnerships with other financial institutions. The bank's strategic focus on digital transformation and customer-centric services also contribute to its competitive positioning and revenue growth by enhancing operational efficiency and expanding its customer base.
Eurobank Ergasias SA Earnings Call Summary
Earnings Call Date:Oct 30, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Mar 05, 2026
Earnings Call Sentiment Positive
Eurobank reported strong financial results with significant profit growth, improved asset quality, and robust loan and deposit growth. However, challenges such as a slight decline in net interest income and increased operating costs persist. The announcement of an interim dividend and strong regional operations highlight positive momentum.Q2-2025 Updates
Positive Updates
Strong Financial Performance
Eurobank reported an adjusted net profit of EUR 711 million for the first half of 2025, with a return on tangible book value of 16.6%. Net interest income rose by 12% year-on-year, while fees and commissions increased by 29% year-on-year.
Loan Growth and Deposit Recovery
Loan growth continued with a quarterly net increase of EUR 1 billion, up 11% year-on-year. Deposits increased by EUR 1 billion in the second quarter.
Asset Quality and Capital Ratios
The NPE ratio decreased to 2.8% with coverage exceeding 90%. The total capital ratio increased to almost 20% following the AT1 issuance, and the CET1 ratio stood at 15.5%.
Regional Operations Growth
Regional operations performed strongly, with Cyprus net profit reaching EUR 250 million and Bulgaria's EUR 110 million.
Interim Cash Dividend Announcement
Eurobank announced a 2025 interim cash dividend of EUR 170 million, equivalent to EUR 0.047 per share.
Negative Updates
Net Interest Income Decline
Net interest income declined slightly by 0.8% quarter-on-quarter, primarily due to the impact of lower Euribor rates.
Increased Operating Costs
Group operating costs increased by 6% on a like-for-like basis, with Greece expenses rising by 6.7% due to higher IT CapEx and staff remuneration.
Company Guidance
During the Eurobank Holdings conference call discussing the first half of 2025 financial results, CEO Fokion Karavias and CFO Harris Kokologiannis highlighted several key metrics. Eurobank reported an adjusted net profit of EUR 711 million and a return on tangible book value of 16.6%. Net interest income rose 12% year-on-year, despite a slight quarter-on-quarter decline. Fees and commissions increased by 29% year-on-year, while the cost of risk ratio remained at 60 basis points. The NPE ratio decreased to 2.8% with coverage exceeding 90%. Core operating profit reached EUR 866 million, up 6% year-on-year, and regional operations netted EUR 374 million. Loan growth was strong, with a quarterly net increase of EUR 1 billion, prompting an upward revision of the full-year loan growth target to EUR 4 billion. Deposits also increased by EUR 1 billion in the second quarter. The total capital ratio improved to nearly 20%, bolstered by the first AT1 issuance, while the CET1 ratio stood at 15.5%. Eurobank introduced an interim cash dividend of EUR 170 million, or EUR 0.047 per share, for distribution in the fourth quarter.Eurobank Ergasias SA Financial Statement Overview
Summary
Eurobank Ergasias SA is in a strong financial position with solid profitability, a robust balance sheet with no debt, and strong cash flow generation. The company has shown consistent revenue growth and effective capital management. The absence of EBITDA figures may slightly limit operational performance insights, but overall, the financial health of the company is commendable.Income Statement
Eurobank Ergasias SA demonstrates strong profitability with a consistent increase in net income over the years. The TTM gross profit margin is 76.73%, and the net profit margin is 41.27%, indicating effective cost management and strong profit generation. Revenue has grown significantly in the TTM period by 25.27%, showcasing robust business growth. However, the absence of EBITDA figures could limit the complete assessment of operational efficiency.75
Positive
Balance Sheet
The company maintains a solid equity base with an equity ratio of 8.77% in the TTM, and has no total debt, signifying financial stability and low leverage risk. The return on equity is impressive at 14.82%, indicating efficient use of shareholders' funds. A strong cash position further enhances the balance sheet's strength.85
Very Positive
Cash Flow
Eurobank Ergasias SA shows a positive free cash flow in the TTM, indicating good cash management with a free cash flow to net income ratio of 1.64. The operating cash flow to net income ratio is 1.79, pointing to strong cash generation relative to net income. Although there was a negative operating cash flow in the prior period, the current figures reflect a recovery.78
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.61B | 3.24B | 2.51B | 2.81B | 1.90B | 2.18B |
| Gross Profit | 3.36B | 3.02B | 2.91B | 2.81B | 1.90B | 2.18B |
| EBITDA | 2.03B | 2.01B | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 1.42B | 1.45B | 1.14B | 1.35B | 328.00M | -1.21B |
Balance Sheet | ||||||
| Total Assets | 102.23B | 101.15B | 79.78B | 81.46B | 77.85B | 67.73B |
| Cash, Cash Equivalents and Short-Term Investments | 17.05B | 18.03B | 1.50B | 16.32B | 14.14B | 7.30B |
| Total Debt | 10.52B | 9.65B | 11.61B | 3.55B | 3.69B | 3.17B |
| Total Liabilities | 92.58B | 92.25B | 71.88B | 3.55B | 72.22B | 3.17B |
| Stockholders Equity | 9.64B | 8.90B | 7.90B | 6.62B | 5.54B | 5.25B |
Cash Flow | ||||||
| Free Cash Flow | -400.00M | 99.00M | -2.32B | 2.71B | 8.08B | 3.21B |
| Operating Cash Flow | -153.00M | 296.00M | -2.18B | 2.87B | 8.21B | 3.49B |
| Investing Cash Flow | 3.92B | 3.29B | -2.27B | -2.66B | -2.70B | -468.00M |
| Financing Cash Flow | 785.00M | 1.48B | 908.00M | 1.02B | 953.00M | -890.00M |
Eurobank Ergasias SA Technical Analysis
Neutral
1.98
Price Trends
1.96
Negative
1.89
Positive
1.61
Positive
Market Momentum
>-0.01
Positive
41.02
Neutral
13.54
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EGFEY, the sentiment is Neutral. The current price of 1.98 is below the 20-day moving average (MA) of 2.03, above the 50-day MA of 1.96, and above the 200-day MA of 1.61, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 41.02 is Neutral, neither overbought nor oversold. The STOCH value of 13.54 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EGFEY.
Eurobank Ergasias SA Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $13.94B | 8.94 | 15.52% | 3.13% | 6.76% | 21.58% | |
| ― | $14.81B | 16.42 | 16.25% | 11.31% | -8.82% | 4.87% | |
| ― | $17.73B | 13.75 | 22.07% | 6.03% | -13.16% | -8.10% | |
| ― | $13.63B | 12.08 | 24.13% | 4.61% | 12.43% | 56.30% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $10.85B | 12.91 | 9.87% | 2.84% | -4.49% | 20.77% | |
| ― | $12.97B | 5.97 | ― | 3.40% | -1.23% | 16.81% |
* Financial Sector Average
EGFEY
Eurobank Ergasias SA
1.88
0.86
84.31%
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BSAC
Banco Santander Chile
28.70
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51.61%
CIB
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107.58%
FHN
First Horizon
21.36
4.87
29.53%
WF
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53.62
19.65
57.85%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.