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Erste Bank Polska S.A. (PL:EBP)
:EBP
Poland Market
EBP
Erste Bank Polska S.A.
RESEARCH TOOLSreports

Erste Bank Polska S.A. (EBP) Ratios

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Erste Bank Polska S.A. Ratios

PL:EBP's free cash flow for Q2 2026 was zł1.03. For the 2026 fiscal year, PL:EBP's free cash flow was decreased by zł and operating cash flow was zł0.48. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.78 4.79 0.07 0.06 0.07
Quick Ratio
 0.78 4.79 0.07 0.06 0.07
Cash Ratio
 0.78 1.56 0.05 0.06 0.07
Solvency Ratio
 0.02 0.03 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.08 0.54 0.01 0.04 0.04
Short-Term Operating Cash Flow Coverage
 0.08 0.54 0.00 0.00 0.00
Net Current Asset Value
zł -278.79Bzł -230.67Bzł -254.34Bzł -229.73Bzł -214.28B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.07 0.06 0.05 0.06
Debt-to-Equity Ratio
 0.81 0.63 0.55 0.47 0.59
Debt-to-Capital Ratio
 0.45 0.39 0.36 0.32 0.37
Long-Term Debt-to-Capital Ratio
 0.25 0.34 0.36 0.32 0.37
Financial Leverage Ratio
 10.02 8.70 9.36 8.71 9.66
Debt Service Coverage Ratio
 0.32 0.53 1.12 1.04 1.22
Interest Coverage Ratio
 2.05 1.85 1.38 1.29 1.51
Debt to Market Cap
 0.33 0.48 0.38 0.30 0.60
Interest Debt Per Share
 291.90 262.13 226.68 196.49 182.92
Net Debt to EBITDA
 1.76 0.99 0.65 0.42 0.48
Profitability Margins
Gross Profit Margin
92.45%89.59%76.47%75.08%80.99%
EBIT Margin
50.08%45.55%32.54%32.24%28.66%
EBITDA Margin
52.43%48.90%35.29%34.92%32.11%
Operating Profit Margin
50.25%46.19%32.54%32.24%28.66%
Pretax Profit Margin
49.89%45.55%32.54%32.24%28.66%
Net Profit Margin
37.87%36.23%23.34%22.74%18.43%
Continuous Operations Profit Margin
35.85%35.89%23.49%23.29%19.81%
Net Income Per EBT
75.90%79.54%71.74%70.53%64.30%
EBT Per EBIT
99.28%98.61%100.00%100.00%100.00%
Return on Assets (ROA)
1.84%2.10%1.71%1.75%1.09%
Return on Equity (ROE)
17.36%18.29%16.03%15.21%10.50%
Return on Capital Employed (ROCE)
2.56%2.76%10.31%10.46%7.25%
Return on Invested Capital (ROIC)
1.75%2.11%7.44%7.56%5.01%
Return on Tangible Assets
1.85%2.12%1.73%1.76%1.10%
Earnings Yield
7.69%11.62%11.15%9.65%10.56%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 8.87 16.21 14.10
Payables Turnover
 88.70 38.85 172.86 85.28 66.48
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 12.71 13.68 17.39 16.87 12.81
Asset Turnover
 0.05 0.06 0.07 0.08 0.06
Working Capital Turnover Ratio
 -0.15 -0.19 -0.11 -0.11 -0.09
Cash Conversion Cycle
 -4.11 -9.40 39.02 18.24 20.40
Days of Sales Outstanding
 0.00 0.00 41.13 22.52 25.89
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 4.11 9.40 2.11 4.28 5.49
Operating Cycle
 0.00 0.00 41.13 22.52 25.89
Cash Flow Ratios
Operating Cash Flow Per Share
 12.02 46.71 31.36 90.52 85.39
Free Cash Flow Per Share
 5.48 40.44 25.17 84.31 81.00
CapEx Per Share
 6.54 6.27 6.19 6.21 4.39
Free Cash Flow to Operating Cash Flow
 0.46 0.87 0.80 0.93 0.95
Dividend Paid and CapEx Coverage Ratio
 0.21 0.88 0.61 3.03 10.92
Capital Expenditure Coverage Ratio
 1.84 7.45 5.06 14.57 19.43
Operating Cash Flow Coverage Ratio
 0.05 0.21 0.18 0.63 0.55
Operating Cash Flow to Sales Ratio
 0.08 0.27 0.14 0.44 0.57
Free Cash Flow Yield
0.73%7.42%5.50%17.21%31.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.01 8.60 8.97 10.36 9.47
Price-to-Sales (P/S) Ratio
 4.93 3.12 2.09 2.36 1.75
Price-to-Book (P/B) Ratio
 2.40 1.57 1.44 1.58 0.99
Price-to-Free Cash Flow (P/FCF) Ratio
 137.74 13.49 18.18 5.81 3.20
Price-to-Operating Cash Flow Ratio
 62.82 11.68 14.59 5.41 3.04
Price-to-Earnings Growth (PEG) Ratio
 2.25 0.35 1.14 0.14 0.06
Price-to-Fair Value
 2.40 1.57 1.44 1.58 0.99
Enterprise Value Multiple
 11.16 7.36 6.59 7.17 5.92
Enterprise Value
 91.58B 64.36B 51.92B 53.18B 28.85B
EV to EBITDA
 11.16 7.36 6.59 7.17 5.92
EV to Sales
 5.85 3.60 2.33 2.50 1.90
EV to Free Cash Flow
 163.54 15.57 20.19 6.17 3.49
EV to Operating Cash Flow
 74.59 13.48 16.20 5.75 3.31
Tangible Book Value Per Share
 289.12 321.26 310.69 304.31 254.55
Shareholders’ Equity Per Share
 315.08 346.67 318.31 310.82 260.97
Tax and Other Ratios
Effective Tax Rate
 0.28 0.21 0.28 0.28 0.31
Revenue Per Share
 153.18 175.00 218.52 207.91 148.61
Net Income Per Share
 58.01 63.40 51.01 47.28 27.39
Tax Burden
 0.76 0.80 0.72 0.71 0.64
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
 0.12 0.09 0.07 0.06 0.10
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.20 0.76 0.44 1.35 2.00
Currency in PLN