Czech stock

VIEEUR

Erste Group Bank

ERST.PR

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

61/ 100

Overall score·ERST.PR

Current price

104.1EUR

23/10/2026

P/E, P/B

Valuation

Neutral

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

P/E 12,1 a forward P/E 9,7 působí ve srovnání s bankovním sektorem příznivě, zatímco P/B 1,76 a vysoké PEG 5,12 valuaci částečně tlumí. Růst zisku i výnosnost jsou silné, ale krátkodobé momentum je slabé: cena klesla pod 50denní průměr a za posledních 30 dní ztratila 11,7 %.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 58%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Financial results

Financial results·ERST.PR

mld. EUR

RevenueEBITDANet incomeEBITDA margin

Margins and profitability·ERST.PR

Net marginEBITDA marginDashed = estimate

Net margin

+30.1 %

FY 2025 · reported

EBITDA margin

0.0 %

FY 2026 · estimate

Net margin

+29.2 %

last 12 months

Operating margin

+51.0 %

last 12 months

ROE

+13.2 %

last 12 months

FY = fiscal year · TTM = trailing 12 months

§ Context and events

Management

Erste Group vede Peter Bosek jako předseda představenstva a CEO. Stefan Dorfler je finanční ředitel, Alexandra Habeler-Drabek odpovídá za řízení rizik a Maurizio Poletto zastává funkci COO a Chief Platform Officer. Skupina se zaměřuje na bankovní služby pro klienty ve střední a východní Evropě a na rozvoj digitálních platforem.

Articles about Erste Group Bank, in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

30 October 2026

in 3 days

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is Erste Group Bank (ERST.PR)?

Erste Group Bank (ERST.PR) is a czech stock traded on VIE. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the Erste Group Bank price today?

As of 23 October 2026, Erste Group Bank trades at about 104.10 EUR per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy Erste Group Bank?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does Erste Group Bank pay a dividend?

Erste Group Bank either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is Erste Group Bank a good investment in 2026?

Our AI signal currently rates Erste Group Bank as neutral (score 50/100). Financial health comes out at 61/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More Czech stocks

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CEZ a.s.

CEZ.PRhealth 55/100

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VIG.PRhealth 70/100

Philip Morris CR

TABAK.PRhealth 54/100

Kofola CeskoSlovensko

KOFOL.PRhealth 57/100

Photon Energy

PFN.PRhealth 39/100

§ How to buy Erste Group Bank

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Neutral

Earnings in 3 days

On 30 October 2026 the company publishes its quarterly results. This period tends to bring large price moves — the signal below does not reflect the results yet.

News summary

Older news

Signal 21/10, 18:02

ČTK uvedla, že 21. října pražská burza posílila a mezi dařícími se emisemi byla Erste; trvalejší růst by podpořil výhled, měsíční pokles jej však omezuje.

Pozitivní burzovní zpráva a mírný růst za týden stojí proti poklesu o 7,15 % za měsíc, sestupnému trendu a RSI 39. Dlouhodobý obraz banky zůstává bez jasného směru.

Risks: Pokračující měsíční pokles a slabé momentum by krátkodobý výhled dále zhoršily; trvalý obrat trendu by jej naopak oslabil jako argument.

More about the signal

Pozitivní burzovní zpráva a mírný růst za týden stojí proti poklesu o 7,15 % za měsíc, sestupnému trendu a RSI 39. Dlouhodobý obraz banky zůstává bez jasného směru.

Risks: Pokračující měsíční pokles a slabé momentum by krátkodobý výhled dále zhoršily; trvalý obrat trendu by jej naopak oslabil jako argument.

Signal history· 2

20/1018:0250 · Neutral
Akcie Erste zdražily při růstu pražské burzy 20. října; další posílení by podpořilo krátkodobý výhled, ale nepotvrdilo by obrat měsíčního poklesu.
05/1017:3152 · Neutral
Makro prostředí a sektor bankovnictví dávají mírně neutrální signál; zprávy naznačují stabilitu v regionu s určitou nejistotou kvůli úrokovým politikám a regulačnímu tlaku.,

The full 90-day signal history is part of Premium.

Ask the AI

DCF valuation

A DCF model is not suitable for this asset class.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 16 of 18

Valuation score

3/ 6

4/6 tests available

1. Below DCF fair value

The complete DCF range or the current price is missing.

2. Well below DCF value

The complete DCF range or the current price is missing.

3. Price vs. the last year

0% above the 1-year low (104.1 EUR to 126.4 EUR), based on stored daily prices.

4. P/E vs. similar companies

P/E 12.1 vs. median 13.0 (42 companies).

5. P/E relative to growth

PEG 5.1; a lower value means cheaper growth.

6. Analyst price target

24.4% vs. the current price, 17 analysts.

Price and fair value

no complete range

The DCF check appears once both the price and the model range are available.

Price vs analyst target

Current price

104.1 EUR

Low 79.90 EURHigh 156.8 EUR

Current priceAverage: 129.5 EUR

DCF gap

no complete range

The DCF check appears once both the price and the model range are available.

Analyst target

+24.4%

Average target 129.5 EUR vs. price 104.1 EUR.

Analyst consensus

Target range

79.90 EUR - 156.8 EUR

Coverage

17 analysts

Analyst consensus

1.8 / 5

Changes 180 d

+0 / -0

EPS next year

12.4%

Revenue next year

5.4%

Valuation multiples

12.1

9.7

1.8

3.3

5.1

52-week range0% above the low

104.1 EUR126.4 EUR

18.0%

40.0%

29.2%

13.2%

Price vs 50D-13.0%

Price vs 200D-4.1%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 23/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

strong

Vedení pokračuje v zaměření na bankovnictví ve střední a východní Evropě, digitalizaci a kapitálovou sílu; nový CEO je ve funkci od roku 2024. Skóre zohledňuje jasné strategické priority i některá rizika v oblasti auditu a práv akcionářů.

strong

Erste těží z rozsáhlé regionální přítomnosti, zavedených vztahů s klienty a digitální platformy George. Konkurenční výhodu však omezují silná konkurence a regulace bankovního sektoru.

Information

Type: Czech stock
Symbol: ERST.PR
Exchange: VIE
Currency: EUR
Sector: Bankovnictví
: 12.1x
: 42.8B USD
: 0.83

§ Risk profile

Pro českého investora se k rizikům bankovní skupiny přidává kurzové riziko eura vůči koruně. Ziskovost může oslabit pokles úrokových marží, zhoršení kvality úvěrů nebo mimořádná regulatorní opatření na trzích, kde skupina působí.

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