YOLFTbeta
Erste Bank Polska S.A.

Erste Bank Polska S.A.

EBP · WAR · Financial Services / Banks - Regional

800.00PLN-4.20 (-0.52%)

Price History

Full chart

Market Stats

Previous Close804.20
Open803.40
Day Range793.40 – 806.80
52-Week Range438.13 – 817.60
Volume77.60K
Market Cap77.03B
P/E (TTM)14.37
Forward P/E11.19
EPS52.44
Dividend Yield6.56%
Beta0.24
50-Day Avg762.89
200-Day Avg659.51

About

Erste Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. The company offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. It also provides consumer loans and home mortgages; mutual funds, including pension schemes and various investment programmes; and tourist/travel, motor, and home insurance products, as well as bancassurance products. In addition, the company offers foreign exchange, bank guarantees, and foreign letter of credit. The company was formerly known as Santander Bank Polska S.A. and changed its name to Erste Bank Polska S.A. in April 2026. Erste Bank Polska S.A. was founded in 1857 and is headquartered in Warsaw, Poland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michal Gajewski
  • Employees10.24K
  • HeadquartersPl. Europejskie 3A, Warsaw, Poland, 00-844, Poland
  • Websitehttps://www.erste.pl

Leadership

  • Mr. Michal GajewskiPresident of the Management Board & CEO
  • Mr. Artur GlembockiVice President of the Management Board
  • Mr. Maciej RelugaChief Economist & VP of the Management Board
  • Mr. Lech GalkowskiVice President of the Management Board
  • Ms. Magdalena Proga-StepienVice President of the Management Board
  • Mr. Bernhard LederCFO & Member of Management Board
  • Mr. Paul BartuschMember of Management Board & Head of the Digital Transformation Division
  • Ms. Agnieszka DowzyckaHead of Investor Relations
  • Mr. Michael McCarthyAdvisor · b. 1966

Financials

Income Statement

Currency: PLN2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.35B2.00B2.24B2.46B3.03B3.83B4.86B4.95B4.85B5.16B5.69B7.59B8.23B8.37B8.87B8.95B9.65B11.19B9.55B9.39B15.19B21.25B22.33B17.88B
Growth (%)-+48.00%+11.96%+9.92%+23.23%+26.13%+26.84%+1.97%-2.14%+6.45%+10.34%+33.35%+8.47%+1.66%+5.98%+0.94%+7.76%+15.97%-14.64%-1.62%+61.64%+39.90%+5.11%-19.92%
Cost of Revenue-593.03M624.72M761.06M620.47M812.22M1.60B1.66B1.31B1.35B1.57B1.94B1.73B1.40B1.29B1.25B1.47B1.88B969.01M356.77M2.89B5.29B5.25B5.05B
Gross Profit1.35B1.41B1.62B1.70B2.41B3.02B3.26B3.29B3.54B3.81B4.12B5.65B6.51B6.97B7.58B7.70B8.17B9.31B8.58B9.04B12.30B15.95B17.08B16.02B
Gross Margin100.00%70.36%72.12%69.10%79.55%78.78%67.11%66.41%73.00%73.92%72.48%74.45%79.03%83.27%85.45%86.01%84.75%83.18%89.85%96.20%80.99%75.08%76.47%89.59%
Operating Expense965.98M1.15B1.06B1.04B1.35B1.62B2.05B2.13B2.18B2.27B2.29B3.14B3.87B3.79B4.46B4.36B4.75B6.06B6.70B6.98B7.95B9.10B9.81B7.76B
Operating Income386.09M260.62M552.34M659.86M1.07B1.39B1.21B1.16B1.36B1.54B1.84B2.51B2.64B3.18B3.12B3.34B3.42B3.24B1.88B2.06B4.35B6.85B7.27B8.26B
Operating Margin28.56%13.02%24.65%26.80%35.11%36.35%24.93%23.47%28.01%29.90%32.28%33.14%32.07%37.98%35.21%37.26%35.50%29.00%19.70%21.90%28.66%32.24%32.54%46.19%
EBITDA527.75M508.46M751.74M846.34M1.07B1.53B1.32B1.29B1.49B1.76B1.97B2.73B2.95B3.43B3.40B3.65B3.76B3.87B2.47B2.64B4.88B7.42B7.88B8.74B
EBITDA Margin39.03%25.41%33.55%34.37%35.11%39.87%27.15%25.96%30.67%34.09%34.70%36.03%35.81%41.05%38.33%40.82%38.96%34.62%25.91%28.07%32.11%34.92%35.29%48.90%
Net Income272.69M128.87M455.60M545.91M758.22M1.11B855.45M885.26M974.22M1.18B1.43B1.98B1.91B2.33B2.17B2.21B2.36B2.14B1.04B1.25B3.01B4.83B5.21B6.48B
Net Income Margin20.17%6.44%20.34%22.17%24.98%29.02%17.62%17.88%20.11%22.96%25.20%26.12%23.26%27.81%24.43%24.72%24.50%19.12%10.86%13.33%19.81%22.74%23.34%36.23%
Interest Expense-593.03M624.72M761.06M620.47M812.22M1.60B1.66B1.31B1.35B1.57B1.94B1.73B1.40B1.29B1.25B1.47B1.88B969.01M356.77M2.89B5.29B5.25B4.47B
Interest Expense % of Total Revenue-29.64%27.88%30.90%20.45%21.22%32.89%33.59%27.00%26.08%27.52%25.55%20.97%16.73%14.55%13.99%15.25%16.82%10.15%3.80%19.01%24.92%23.53%24.97%

Balance Sheet

Currency: PLN2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets24.91B24.17B27.56B29.55B32.99B40.96B57.43B54.07B53.15B59.80B60.02B106.06B134.50B139.71B150.10B152.67B206.66B209.48B229.31B243.02B257.52B276.65B304.37B308.15B
Total Liabilities24.18B23.44B24.54B26.17B28.96B36.39B52.22B48.03B46.38B52.31B51.04B91.58B116.45B119.14B129.08B129.33B180.06B182.50B200.65B215.80B229.05B242.96B269.93B272.64B
Total Equity729.60M729.60M2.99B3.33B3.96B4.34B4.97B5.93B6.62B7.36B8.88B13.87B16.53B19.39B19.78B21.91B25.03B25.43B26.99B27.21B30.12B31.76B34.44B35.43B
Cash1.39B1.16B1.20B-1.53B2.21B3.18B2.66B2.53B2.29B4.71B6.21B9.07B9.33B7.60B5.57B10.74B9.61B8.33B18.35B34.49B11.65B29.00B30.50B
Total Debt-792.57M3.23B840.38M646.34M352.96M153.92M-395.23M1.66B1.68B4.18B8.16B8.50B12.06B13.03B18.64B20.86B20.07B20.56B15.81B14.78B17.91B22.32B
Net Debt-1.39B-368.92M2.03B840.38M-888.14M-1.85B-3.02B-2.66B-2.14B-628.27M-3.03B-2.03B-911.52M-824.34M4.46B7.46B7.89B11.25B11.74B9.51B2.34B3.13B5.16B8.63B

Cash Flow

Currency: PLN2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow272.69M-406.94M-741.00M545.91M1.98B2.71B3.93B210.78M1.39B1.76B-1.60B177.46M4.52B-2.77B1.82B-4.87B12.39B3.58B20.87B9.99B8.73B9.25B3.20B10.65B
Investing Cash Flow--198.97M126.35M-1.15B-739.92M-2.00B-3.01B849.16M-14.06M1.75B2.39B3.41B-4.57B1.63B-4.34B255.06M-5.57B-4.41B-22.73B-5.31B13.45B-5.20B-6.01B-16.60B
Financing Cash Flow125.43M156.56M463.10M-378.38M-285.10M-26.14M41.17M-820.61M-745.47M-554.77M-337.88M-865.94M116.82M291.79M1.68B435.60M4.55B-1.33B-1.78B33.18M-6.02B-3.96B-2.76B13.33B
Capital Expenditure000089.06M143.56M255.76M90.85M69.53M118.61M82.64M173.81M307.79M350.12M353.98M414.21M581.19M450.84M388.99M424.36M449.04M634.90M632.69M640.48M
Free Cash Flow272.69M-406.94M-741.00M545.91M1.89B2.57B3.68B119.93M1.32B1.64B-1.69B92.83M4.21B-3.12B1.47B-5.28B11.81B3.13B20.48B9.56B8.28B8.62B2.57B4.13B
Dividends Paid---182.75M464.81M475.49M309.04M187.27M317.30M650.94M647.44M710.94M1.22B16.59M1.52B646.83M514.13M2.33B86.56M296.38M350.13M2.41B4.61B4.79B
FCF to OCF100.00%100.00%100.00%100.00%95.50%94.71%93.49%56.90%94.99%93.26%105.15%52.31%93.19%112.64%80.56%108.51%95.31%87.42%98.14%95.75%94.85%93.14%80.26%38.79%
Dividend Paid to FCF---33.48%24.59%18.49%8.41%156.15%24.08%39.67%-38.39%765.81%29.00%-0.53%103.33%-12.25%4.35%74.39%0.42%3.10%4.23%28.02%179.16%116.02%

Earnings

Report DateNov 9, 2004Feb 22, 2005Nov 8, 2005Feb 22, 2006Aug 1, 2006Nov 9, 2006Feb 22, 2007Apr 25, 2007Aug 1, 2007Nov 7, 2007Feb 20, 2008May 8, 2008Jul 30, 2008Nov 6, 2008Feb 27, 2009May 14, 2009Aug 5, 2009Nov 12, 2009Mar 2, 2010Apr 30, 2010Jul 28, 2010Nov 9, 2010Feb 28, 2011Apr 28, 2011Jul 27, 2011Oct 27, 2011Jan 31, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Jan 31, 2013Apr 25, 2013Jul 30, 2013Oct 24, 2013Jan 30, 2014Apr 29, 2014Jul 31, 2014Nov 4, 2014Feb 3, 2015Apr 28, 2015Jul 30, 2015Oct 29, 2015Jan 27, 2016Apr 27, 2016Jul 27, 2016Oct 26, 2016Jan 24, 2017Apr 26, 2017Jul 28, 2017Oct 26, 2017Jan 30, 2018Apr 24, 2018Jul 25, 2018Nov 1, 2018Jan 30, 2019Apr 30, 2019Jul 23, 2019Oct 30, 2019Jan 29, 2020Apr 28, 2020Jul 28, 2020Oct 27, 2020Feb 3, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Feb 3, 2022Apr 26, 2022Jul 28, 2022Oct 26, 2022Feb 1, 2023Apr 25, 2023Jul 26, 2023Oct 25, 2023Feb 16, 2024May 1, 2024Jul 24, 2024Oct 29, 2024Feb 4, 2025Apr 29, 2025Jul 28, 2025Oct 27, 2025Feb 3, 2026Apr 30, 2026Jul 29, 2026Oct 29, 2026Oct 30, 2026Feb 3, 2027
EPS Estimate1.101.801.751.903.012.502.45-3.703.173.213.103.793.60-1.941.302.48-3.283.643.403.16---------4.034.114.545.125.716.385.455.145.544.825.004.615.014.394.724.825.585.916.065.18-----6.196.602.702.563.213.863.395.406.003.915.319.2011.257.398.127.787.92--9.8710.8725.5114.2212.9118.8313.5714.4811.0414.0213.3910.47
EPS Actual1.321.331.811.423.432.302.263.574.083.092.333.334.453.370.561.633.533.593.363.203.423.043.643.695.074.712.694.295.204.475.424.034.506.057.675.226.345.415.115.885.744.762.785.614.834.294.634.566.555.525.624.416.394.987.513.433.906.124.951.673.124.690.801.492.175.321.909.396.432.738.8411.6611.0614.969.5915.317.7818.988.9416.9613.6618.4814.4513.0412.1814.58--
Surprise20.00%-26.11%3.43%-25.26%13.95%-8.00%-7.76%-10.27%-2.52%-27.41%7.42%17.41%-6.39%--15.98%171.54%44.76%--2.44%-6.04%-10.59%15.19%---------11.66%47.20%68.94%1.95%11.03%-15.20%-6.24%14.40%3.61%-1.24%-44.40%21.69%-3.59%-2.28%-1.91%-5.39%17.38%-6.60%-7.26%-14.86%------1.13%-25.00%-38.15%21.88%46.11%-79.27%-56.05%-59.81%-11.33%-51.41%76.84%-30.11%-75.73%19.62%43.60%42.16%88.89%---21.18%74.61%-64.95%19.27%5.81%-1.86%6.48%-9.94%10.33%3.99%--
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-marketAfter-hours---------After-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-market-----Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market--Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap77.03B
Enterprise Value77.82B
Trailing P/E14.37
Forward P/E11.19
PEG Ratio0.98
Price / Sales4.94
Price / Book2.46
EPS52.44
Book Value322.81
Revenue (TTM)15.60B
Gross Profit (TTM)15.56B
Profit Margin35.45%
Operating Margin60.95%
Return on Equity15.64%
Return on Assets1.65%
Shares Outstanding102.19M
Shares Float42.09M
Beta0.24
Dividend Yield6.56%
Dividend Rate49.98
Payout Ratio92.13%

Dividends

20261×
49.98May 12, 2026
20251×
46.37May 12, 2025
20241×
44.63May 15, 2024
20231×
23.25Dec 21, 2023
20221×
2.68May 24, 2022
20211×
2.16Oct 7, 2021
20191×
19.72May 29, 2019
20181×
3.10May 29, 2018
20171×
5.40May 30, 2017
20161×
13.00Apr 28, 2016
20141×
10.70Apr 29, 2014
20131×
7.60Apr 29, 2013
20121×
8.00May 22, 2012
20111×
8.00May 5, 2011
20101×
4.00May 5, 2010
20081×
3.00Apr 30, 2008
20071×
6.00Apr 30, 2007
20061×
6.00Apr 19, 2006
20051×
2.43Apr 27, 2005
20041×
0.32May 4, 2004
20031×
0.74Apr 23, 2003
20021×
0.42Apr 22, 2002