Eurobank Ergasias SA (EGFEY) AI Stock Analysis

• Market Cap: $15.08B
• Dividend Yield: 3.87%
• Average Volume (3M): 96.60K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.77
• Revenue Growth: 2.72%
• EPS Growth: 6.10%
• Country: US
• Employees: 12,382
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 7,371,478,500
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 96,602
• PEG Ratio: 0.31
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 2.42
• P/FCF Ratio: 79.37
• Enterprise Value/Market Cap: 0.77
• Enterprise Value/Revenue: 2.51
• Enterprise Value/Gross Profit: 3.48
• Enterprise Value/Ebitda: 5.69
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $2.50 ▲(21.95% Upside)

Eurobank Ergasias SA's overall stock score is driven by strong financial performance, particularly in revenue growth and profitability, despite challenges in cash flow management. The technical analysis supports a positive trend, and the valuation indicates the stock is attractively priced with a solid dividend yield. These factors collectively contribute to a favorable investment outlook.

Positive Factors

Strong Financial Position

The absence of debt and strong cash flow generation provide Eurobank with significant financial flexibility and resilience, supporting long-term stability and growth potential.

Loan Growth and Asset Quality

Consistent loan growth and improved asset quality indicate robust demand for Eurobank's services and effective risk management, enhancing its competitive position in the banking sector.

Capital Management and Dividend Potential

Strong capital ratios and potential for increased dividend payouts reflect effective capital management, providing shareholder value and supporting future growth initiatives.

Negative Factors

Interest Rate Impact

Interest rate fluctuations and associated costs can pressure net interest margins, potentially affecting profitability and requiring strategic adjustments to maintain earnings.

Hellenic Bank Integration Challenges

Integration challenges with Hellenic Bank may delay expected synergies and growth, impacting Eurobank's operational efficiency and strategic objectives in the near term.

Limited Operational Insights

Lack of detailed operational metrics like EBITDA can obscure full performance analysis, potentially hindering comprehensive assessment of Eurobank's operational efficiency.

Eurobank Ergasias SA Business Overview & Revenue Model

Company Description

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, and Central and Southeastern Europe. It operates through Retail, Corporate, Global Markets & Asset Management, International, Investment Property, and Other segments. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, 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. In addition, the company offers mutual fund products, and institutional asset management and equity brokerage services. Further, it is involved in the investment property activities related to a portfolio of commercial real estate assets. Additionally, the company engages in the property management and other investing activities; and provision of private banking services for medium and high net worth individuals. In addition, the company offers business-to-business e-commerce, accounting, tax, leasing, factoring, loans and credits claim management, credit card and fund management, real estate, and other services. Further, it engages in the informatics data processing activities. As of March 31, 2022, the company had a network of 647 branches and business/private banking centers. Eurobank Ergasias Services and Holdings S.A. was founded in 1990 and is based in Athens, Greece.

How the Company Makes Money

Eurobank Ergasias generates revenue through several key streams. The primary source of income comes from net interest income, which is earned from the difference between the interest charged on loans and the interest paid on deposits. Additionally, the bank earns fee income from various services such as transaction fees, account maintenance fees, and advisory services. Investment activities, including trading and asset management, also contribute to its revenue. Significant partnerships with corporations and financial institutions enhance its capabilities and broadens its service offerings, further driving earnings. The bank's focus on digital banking solutions and innovation in financial services is also a critical factor in maintaining a competitive edge and attracting new customers.

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.

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.

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.61B	5.81B	5.10B	3.48B	2.42B	2.79B
Gross Profit	3.33B	3.22B	2.82B	2.74B	1.90B	2.18B
EBITDA	2.03B	2.01B	1.66B	1.87B	597.00M	-770.00M
Net Income	1.42B	1.45B	1.14B	1.35B	328.00M	-1.22B
Balance Sheet
Total Assets	102.23B	101.15B	79.78B	81.47B	77.85B	67.72B
Cash, Cash Equivalents and Short-Term Investments	17.05B	17.75B	12.26B	15.41B	14.02B	7.30B
Total Debt	10.52B	9.65B	7.75B	5.18B	3.69B	3.17B
Total Liabilities	92.58B	92.25B	71.88B	74.74B	72.22B	62.46B
Stockholders Equity	9.64B	8.90B	7.90B	6.64B	5.54B	5.26B
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

• Technical Analysis Sentiment: Positive
• Last Price: 2.05
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EGFEY, the sentiment is Positive. The current price of 2.05 is above the 20-day moving average (MA) of 1.99, above the 50-day MA of 1.97, and above the 200-day MA of 1.69, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 57.95 is Neutral, neither overbought nor oversold. The STOCH value of 64.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EGFEY.

Eurobank Ergasias SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EGFEY	73 Outperform	$15.08B	10.05	14.37%	3.87%	2.72%	6.10%
FHN	72 Outperform	$11.21B	13.77	9.87%	2.64%	-4.51%	20.78%
BCH	71 Outperform	$19.16B	14.66	21.29%	5.67%	-11.64%	-8.75%
CIB	71 Outperform	$16.37B	15.97	17.06%	10.49%	-6.79%	16.13%
WF	70 Outperform	$14.16B	6.52	9.61%	3.69%	-2.90%	16.10%
BSAC	69 Neutral	$14.31B	12.50	24.13%	4.47%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Eurobank Ergasias SA Corporate Events

Eurobank Ergasias Reports Strong 9M2025 Financial Performance

Eurobank Ergasias, a prominent financial institution operating in Greece, Cyprus, and Bulgaria, is known for its comprehensive banking services and strategic expansion efforts in the financial sector.