Eurobank Ergasias Services and Holdings S.A.

Eurobank Ergasias Services and Holdings S.A.

EUROB · AT · Financial Services / Banks - Regional

4.82EUR-0.06 (-1.29%)

Price History

Full chart

Market Stats

Previous Close4.88
Open4.85
Day Range4.81 – 4.92
52-Week Range3.09 – 5.00
Volume7.14M
Market Cap16.46B
P/E (TTM)11.51
Forward P/E8.72
EPS0.40
Dividend Yield2.62%
Beta0.69
50-Day Avg4.59
200-Day Avg4.15

About

Eurobank Ergasias Services and Holdings S.A., together with its subsidiaries, provides retail banking, corporate and private banking, asset management, treasury, capital markets, and other services primarily in Greece, rest of Europe, and internationally. It operates through Retail, Corporate, Global Markets & Asset Management, International, and Investment Property. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, mortgages, overdrafts, loans and other credit facilities, foreign currency and derivative products, custody and clearing services, and cash management and trade services, as well as corporate finance, and merger and acquisitions advice services. It also provides financial instruments trading services to institutional investors, as well as specialized financial advice and intermediation; and mutual fund products, and institutional asset management and equity brokerage services. In addition, the company is involved in the investment property activities related to a portfolio of commercial real estate assets; property management and other investing activities; and provision of private banking services for medium and high net worth individuals. Further, it offers business-to-business e-commerce, accounting, tax, leasing, factoring, credits claim management, fund management, real estate, and other services, as well as special purpose financing vehicle. Additionally, the company engages in the informatics data processing activities. Eurobank Ergasias Services and Holdings S.A. was founded in 1990 and is based in Athens, Greece.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Fokion C. Karavias
  • Employees9.89K
  • Headquarters8 Othonos Street, Athens, Greece, 105 57, Greece
  • Websitehttps://www.eurobank.gr

Leadership

  • Mr. Fokion C. KaraviasCEO, Member of Executive Board & Executive Director · b. 1964
  • Mr. Stavros E. IoannouDeputy CEO, Group COO, International Activities, Member of Executive Board & Executive Director · b. 1961
  • Mr. Konstantinos V. VassiliouDeputy CEO, Head of Corporate & Investment Banking, Member of Exec Board and Executive Director
  • Mr. Charalambos Harris V. KokologiannisGM of Group Finance, Group CFO & Member of Executive Board · b. 1967
  • Mr. Iakovos D. GiannaklisDeputy CEO, Head of Retail & Digital Banking and Member of Executive Board · b. 1971
  • Mr. Michalis L. LouisMember of Executive Board · b. 1962
  • Mr. Eleftherios EconomidesGM of Group Risk Management, Group Chief Risk Officer & Member of Executive Board · b. 1971
  • Mr. Apostolos KazakosGM of Group Strategy & Member of Executive Board · b. 1972
  • Mr. Anastasios C. IoannidisGM of Markets and Member of Executive Board · b. 1968
  • Mr. Athanasios AthanasopoulosGM of Group Compliance, Group Chief Compliance Officer & Member of Executive Board · b. 1973

Financials

Income Statement

Currency: EUR2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.89B2.48B3.34B4.64B6.79B8.38B6.69B5.58B4.90B4.10B3.04B3.09B2.88B2.72B2.58B2.63B2.59B2.79B2.42B3.48B5.10B5.81B3.31B
Growth (%)-+31.60%+34.43%+39.10%+46.31%+23.36%-20.20%-16.61%-12.09%-16.28%-26.00%+1.78%-6.66%-5.79%-5.04%+1.86%-1.39%+7.46%-13.07%+43.86%+46.27%+14.01%-43.10%
Cost of Revenue671.43M994.00M1.48B2.41B3.98B5.10B3.65B2.85B3.10B2.61B1.53B1.40B1.12B811.00M700.00M770.00M739.00M606.00M521.00M746.00M2.28B2.59B379.00M
Gross Profit1.22B1.49B1.86B2.23B2.82B3.28B3.04B2.73B1.80B1.49B1.51B1.69B1.76B1.91B1.88B1.86B1.85B2.18B1.90B2.74B2.82B3.22B2.93B
Gross Margin64.41%59.97%55.72%48.09%41.47%39.11%45.48%48.96%36.80%36.31%49.72%54.71%61.07%70.16%72.88%70.71%71.49%78.25%78.49%78.59%55.26%55.44%88.54%
Operating Expense832.72M989.00M1.18B1.40B1.77B2.46B2.64B2.55B8.78B3.18B3.41B3.44B3.85B1.77B1.70B1.62B1.69B3.06B1.42B987.00M1.27B1.35B1.29B
Operating Income382.57M500.00M676.00M832.00M1.05B818.00M398.00M177.00M-6.97B-1.69B-1.90B-1.75B-2.09B137.00M181.00M236.00M160.00M-879.00M483.00M1.75B1.54B1.87B1.63B
Operating Margin20.28%20.14%20.25%17.92%15.46%9.76%5.95%3.17%-142.29%-41.28%-62.59%-56.65%-72.31%5.04%7.01%8.98%6.17%-31.55%19.94%50.26%30.26%32.22%49.43%
EBITDA486.71M500.00M773.00M931.00M1.17B952.00M538.00M292.00M-6.87B-1.59B-1.81B-1.65B-2.00B199.00M241.00M294.00M269.00M-770.00M597.00M1.87B1.66B2.01B1.79B
EBITDA Margin25.80%20.14%23.16%20.05%17.22%11.36%8.05%5.24%-140.07%-38.72%-59.47%-53.45%-69.46%7.32%9.34%11.18%10.38%-27.64%24.65%53.62%32.61%34.54%54.02%
Net Income279.44M340.00M501.00M601.00M815.00M652.00M305.00M68.00M-5.51B-1.46B-1.15B-1.22B-1.18B235.00M104.00M93.00M127.00M-1.22B328.00M1.35B1.14B1.45B1.36B
Net Income Margin14.81%13.69%15.01%12.94%12.00%7.78%4.56%1.22%-112.36%-35.53%-38.00%-39.44%-40.94%8.65%4.03%3.54%4.90%-43.61%13.54%38.66%22.37%24.92%41.20%
Interest Expense671.43M994.00M1.48B2.41B3.98B5.10B3.65B2.85B3.10B2.61B1.53B1.40B1.12B811.00M700.00M770.00M739.00M606.00M521.00M746.00M2.28B2.59B2.30B
Interest Expense % of Total Revenue35.59%40.03%44.28%51.91%58.53%60.89%54.52%51.04%63.20%63.69%50.28%45.29%38.93%29.84%27.12%29.29%28.51%21.75%21.51%21.41%44.74%44.56%69.60%

Balance Sheet

Currency: EUR2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets27.91B2.18B44.46B53.82B68.39B82.20B84.27B87.19B76.82B67.65B77.59B75.52B73.55B66.43B60.03B58.00B64.76B67.72B77.85B81.47B79.78B101.15B107.98B
Total Liabilities-5.77B41.06B50.20B63.03B77.58B77.95B81.09B75.95B68.31B73.06B69.21B66.42B59.04B52.88B52.95B58.09B62.46B72.22B74.74B71.88B92.25B98.44B
Total Equity1.67B2.10B3.29B3.44B5.03B4.29B6.04B5.77B597.00M-932.00M4.24B5.64B6.46B6.75B7.15B5.04B6.67B5.26B5.54B6.64B7.90B8.90B9.53B
Cash1.26B1.51B4.75B5.04B6.28B4.04B4.04B4.60B5.32B3.41B2.96B2.78B2.72B2.29B2.13B2.44B5.12B7.30B14.02B15.41B12.26B17.75B15.63B
Total Debt-5.77B9.15B13.16B17.21B11.73B10.43B7.29B6.29B4.29B10.79B11.01B4.66B7.81B4.42B8.97B7.51B3.17B3.69B5.18B7.75B9.65B12.54B
Net Debt-1.26B4.26B4.41B8.12B10.93B7.69B6.39B2.69B976.00M880.00M7.83B8.23B1.94B5.51B2.28B6.53B2.39B-4.14B-10.33B-10.23B-4.51B-8.09B-3.08B

Cash Flow

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-5.05B1.50B-146.00M-1.00B5.51B1.78B3.52B1.77B-1.22B-2.17B-3.65B-1.17B-4.87B-4.97B-1.03B1.66B3.49B8.21B2.87B-2.18B296.00M2.92B
Investing Cash Flow1.59B-4.08B-1.41B-498.00M-1.57B-2.36B-1.16B348.00M1.83B2.60B732.00M242.00M4.57B4.98B-361.00M1.33B-468.00M-2.70B-2.66B-2.27B3.29B-2.97B
Financing Cash Flow3.05B3.88B1.52B2.64B-3.36B-384.00M-2.49B-3.03B-1.51B-681.00M2.95B1.16B-197.00M431.00M1.20B-388.00M-890.00M953.00M1.02B908.00M1.48B-330.00M
Capital Expenditure111.00M77.00M270.00M287.00M265.00M188.00M153.00M210.00M170.00M120.00M215.00M129.00M55.00M97.00M114.00M144.00M281.00M129.00M169.00M140.00M197.00M278.00M
Free Cash Flow-5.16B1.43B-416.00M-1.29B5.24B1.59B3.37B1.56B-1.39B-2.29B-3.86B-1.30B-4.92B-5.07B-1.15B1.51B3.21B8.08B2.71B-2.32B99.00M1.80B
Dividends Paid270.00M242.00M345.00M423.00M272.00M37.00M108.00M145.00M38.00M15.00M12.00M24.00M3.00M3.00M3.00M3.00M0--410.00M342.00M556.00M
FCF to OCF102.20%94.88%284.93%128.56%95.19%89.43%95.65%88.14%113.91%105.52%105.90%110.99%101.13%101.95%111.03%91.31%91.94%98.43%94.12%106.42%33.45%61.69%
Dividend Paid to FCF-5.23%16.97%-82.93%-32.74%5.19%2.33%3.21%9.29%-2.73%-0.65%-0.31%-1.84%-0.06%-0.06%-0.26%0.20%0.00%---17.66%345.45%30.89%

Earnings

Report DateFeb 25, 2005Aug 11, 2005Nov 10, 2005Feb 16, 2006May 9, 2006Aug 1, 2006Oct 31, 2006Feb 8, 2007May 9, 2007Jul 31, 2007Oct 29, 2007Feb 11, 2008May 6, 2008Jul 30, 2008Oct 30, 2008Mar 4, 2009May 28, 2009Aug 27, 2009Nov 24, 2009Mar 24, 2010May 27, 2010Aug 27, 2010Nov 26, 2010Mar 22, 2011May 26, 2011Aug 29, 2011Nov 28, 2011Apr 22, 2012Aug 27, 2012Dec 21, 2012Mar 29, 2013May 31, 2013Sep 2, 2013Dec 2, 2013Feb 28, 2014May 28, 2014Sep 1, 2014Nov 7, 2014Mar 11, 2015May 27, 2015Aug 29, 2015Oct 31, 2015Mar 2, 2016May 19, 2016Aug 31, 2016Nov 17, 2016Mar 29, 2017May 19, 2017Aug 30, 2017Nov 16, 2017Mar 11, 2018May 31, 2018Aug 31, 2018Nov 22, 2018Mar 7, 2019May 31, 2019Aug 30, 2019Nov 21, 2019Mar 12, 2020May 28, 2020Sep 1, 2020Nov 20, 2020Mar 10, 2021May 27, 2021Aug 31, 2021Nov 25, 2021Mar 11, 2022May 25, 2022Jul 29, 2022Nov 11, 2022Mar 9, 2023May 17, 2023Aug 1, 2023Nov 7, 2023Mar 15, 2024May 16, 2024Jul 31, 2024Nov 7, 2024Feb 27, 2025May 8, 2025Jul 30, 2025Oct 31, 2025Feb 26, 2026May 7, 2026Jul 30, 2026Oct 29, 2026Feb 25, 2027
EPS Estimate218.52257.10269.95273.16-286.52340.73371.70410.40441.40514.30-114.29392.00381.00392.00-166.60160.00200.0010.15-68.1910.00-10.00--70.00-140.00-80.00--10.0010.00----70.00--2.00-1.39-1.30-1.04-0.75-0.75-0.010.010.01-0.020.020.020.030.020.020.020.030.030.03-0.020.01-0.020.020.020.030.030.030.040.030.040.040.060.070.080.080.090.080.100.090.090.090.100.100.100.100.110.12
EPS Actual202.19238.04314.74231.07327.80302.00325.00302.00395.00409.00410.00410.00392.00402.00382.008.82147.00140.00220.0080.00-13.0163.0020.00-60.00128.363.69-30.00532.30-778.58-410.00-410.66539.76-25.60-6.28-16.64-3.79-2.00-2.40-3.40-0.58-8.97-8.65-0.080.030.010.010.050.020.020.030.020.030.020.030.010.010.000.010.100.02-0.330.020.060.020.030.040.030.080.120.050.030.060.090.090.040.110.100.110.100.090.100.090.100.100.120.12-
Surprise-7.47%-7.41%16.59%-15.41%-5.40%-4.62%-18.75%-3.75%-7.34%-20.28%458.74%0.00%5.51%-2.55%--11.76%-12.50%10.00%688.18%--7.61%100.00%-500.00%-105.27%78.57%765.38%--4000.00%-4206.60%---76.23%-0.00%-72.66%-161.54%44.23%-1096.19%-1053.33%-200.00%0.00%0.00%-0.00%0.00%50.00%-33.33%50.00%0.00%50.00%-66.67%-66.67%-94.67%-400.00%100.00%-0.00%200.00%0.00%0.00%33.33%0.00%100.00%300.00%25.00%-25.00%0.00%28.57%12.50%-50.00%22.22%25.00%10.00%11.11%0.00%11.11%-10.00%0.00%-4.50%20.00%11.55%-
TimingPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hours-After-hoursPre-marketPre-marketAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours---After-hours-After-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap16.46B
Enterprise Value12.31B
Trailing P/E11.51
Forward P/E8.72
PEG Ratio3.13
Price / Sales4.98
Price / Book1.45
EPS0.40
Book Value3.13
Revenue (TTM)3.31B
Gross Profit (TTM)3.31B
Profit Margin45.03%
Operating Margin61.01%
Return on Equity14.01%
Return on Assets1.36%
Shares Outstanding3.58B
Shares Float2.44B
Beta0.69
Dividend Yield2.62%
Dividend Rate0.12
Payout Ratio27.08%

Dividends

20261×
0.07Jun 10, 2026
20252×
0.05Nov 6, 20250.10May 5, 2025
20241×
0.09Jul 25, 2024
20201×
0.01Sep 24, 2020
20081×
490.00May 2, 2008
20072×
313.60Nov 30, 2007548.80Apr 5, 2007
20062×
352.80Dec 1, 2006529.20Apr 5, 2006
20052×
352.80Dec 6, 2005411.60Apr 6, 2005
20042×
294.00Nov 29, 2004588.00Apr 6, 2004
20031×
460.60May 20, 2003
20021×
519.40Apr 23, 2002
20011×
517.68May 16, 2001
20001×
221.23May 26, 2000
19991×
99.55Jun 30, 1999

Stock Splits

  • Nov 27, 20151:100
  • Jun 13, 20131:10
  • Aug 12, 2009100:98
  • Dec 12, 200013:10