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Erste Group Bank AG PK
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Let's analyse Erste Group Bank AG PK together

PenkeI guess you are interested in Erste Group Bank AG PK. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Erste Group Bank AG PK. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Erste Group Bank AG PK (30 sec.)










What can you expect buying and holding a share of Erste Group Bank AG PK? (30 sec.)

How much money do you get?

How much money do you get?
$1.18
When do you have the money?
1 year
How often do you get paid?
72.5%

What is your share worth?

Current worth
$36.64
Expected worth in 1 year
$-340.51
How sure are you?
65.0%

+ What do you gain per year?

Total Gains per Share
$-375.97
Return On Investment
-1,535.8%

For what price can you sell your share?

Current Price per Share
$24.48
Expected price per share
$22.04 - $25.97
How sure are you?
50%

1. Valuation of Erste Group Bank AG PK (5 min.)




Live pricePrice per Share (EOD)

$24.48

Intrinsic Value Per Share

$-1,099.35 - $-20.34

Total Value Per Share

$-1,062.71 - $16.30

2. Growth of Erste Group Bank AG PK (5 min.)




Is Erste Group Bank AG PK growing?

Current yearPrevious yearGrowGrow %
How rich?$29.2b$102.4b$74.1b42.0%

How much money is Erste Group Bank AG PK making?

Current yearPrevious yearGrowGrow %
Making money$864.6m$687.2m$177.4m20.5%
Net Profit Margin18.8%28.5%--

How much money comes from the company's main activities?

3. Financial Health of Erste Group Bank AG PK (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Erste Group Bank AG PK? (5 min.)

Welcome investor! Erste Group Bank AG PK's management wants to use your money to grow the business. In return you get a share of Erste Group Bank AG PK.

What can you expect buying and holding a share of Erste Group Bank AG PK?

First you should know what it really means to hold a share of Erste Group Bank AG PK. And how you can make/lose money.

Speculation

The Price per Share of Erste Group Bank AG PK is $24.48. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Erste Group Bank AG PK.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Erste Group Bank AG PK, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $36.64. Based on the TTM, the Book Value Change Per Share is $-94.29 per quarter. Based on the YOY, the Book Value Change Per Share is $95.79 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.30 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Erste Group Bank AG PK.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.074.4%1.084.4%0.813.3%0.632.6%0.461.9%
Usd Book Value Change Per Share1.124.6%-94.29-385.2%95.79391.3%0.582.4%0.441.8%
Usd Dividend Per Share0.000.0%0.301.2%0.461.9%0.351.4%0.200.8%
Usd Total Gains Per Share1.124.6%-93.99-384.0%96.25393.2%0.923.8%0.642.6%
Usd Price Per Share22.38-19.39-14.05-16.75-16.66-
Price to Earnings Ratio5.25-4.54-4.42-10.48-11.07-
Price-to-Total Gains Ratio20.03--1.81-0.94-47.88-23.06-
Price to Book Ratio0.61-0.32-0.32-0.49-0.63-
Price-to-Total Gains Ratio20.03--1.81-0.94-47.88-23.06-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share24.48
Number of shares40
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.300.35
Usd Book Value Change Per Share-94.290.58
Usd Total Gains Per Share-93.990.92
Gains per Quarter (40 shares)-3,759.6936.91
Gains per Year (40 shares)-15,038.78147.63
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
147-15086-150495592138
295-30172-30088111184286
3142-45258-45127166276434
4189-60344-60166222369582
5237-75430-75205277461730
6284-90517-90244333553878
7331-105603-1052833886451026
8379-120689-1203224447371174
9426-135775-1353614998291322
10473-150861-1504005559221470

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%38.02.00.095.0%56.05.00.091.8%
Book Value Change Per Share1.03.00.025.0%5.07.00.041.7%12.08.00.060.0%24.016.00.060.0%32.026.03.052.5%
Dividend per Share2.00.02.050.0%9.00.03.075.0%16.00.04.080.0%29.00.011.072.5%29.00.032.047.5%
Total Gains per Share1.03.00.025.0%7.05.00.058.3%14.06.00.070.0%26.014.00.065.0%34.024.03.055.7%

Fundamentals of Erste Group Bank AG PK

About Erste Group Bank AG PK

Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, and public sector customers. The company operates through Retail, Corporates, Group Markets, Asset/Liability Management & Local Corporate Center, Savings Banks, and Group Corporate Center segments. It provides mortgage and consumer loans, investment products, current accounts, savings products, and credit cards, as well as cross selling products, such as leasing, insurance, and building society products. The company also offers factoring and accounts receivable purchasing; investment, acquisition and leveraged, project, and commercial real estate finance; interest rate and currency hedging, letters of credit, documentary collections, and guarantees; account management, payments, digital-banking, cash logistics, and payment factory and cash pooling services; documentary collection, equity interests and investments, revolving export credits lines, letters of credit, customer financing, and export guarantee; and loan syndication, and debt and equity capital market services. In addition, it provides cash management, trade finance, customer referral, markets execution, debt capital markets, and custody and brokerage services. Further, the company offers corporate finance; portfolio management; trading and market; trade execution, market making, and short-term liquidity management; and asset/liability management services, as well as working capital and bridge loans. It operates in Austria, the Czech Republic, Slovakia, Romania, Hungary, Serbia, Croatia, and internationally. The company was founded in 1819 and is headquartered in Vienna, Austria.

Fundamental data was last updated by Penke on 2024-05-16 05:08:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is unable to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Erste Group Bank AG PK.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Erste Group Bank AG PK earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • A Net Profit Margin of 12.9% means that $0.13 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Erste Group Bank AG PK:

  • The MRQ is 12.9%. The company is making a huge profit. +2
  • The TTM is 18.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ12.9%TTM18.8%-5.9%
TTM18.8%YOY28.5%-9.7%
TTM18.8%5Y20.8%-2.0%
5Y20.8%10Y15.2%+5.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.9%38.5%-25.6%
TTM18.8%29.6%-10.8%
YOY28.5%26.3%+2.2%
5Y20.8%23.6%-2.8%
10Y15.2%20.4%-5.2%
1.1.2. Return on Assets

Shows how efficient Erste Group Bank AG PK is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that Erste Group Bank AG PK generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Erste Group Bank AG PK:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.2%+0.0%
TTM0.2%5Y0.2%+0.1%
5Y0.2%10Y0.1%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.3%-0.1%
TTM0.2%0.2%+0.0%
YOY0.2%0.2%0.0%
5Y0.2%0.2%0.0%
10Y0.1%0.2%-0.1%
1.1.3. Return on Equity

Shows how efficient Erste Group Bank AG PK is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • 4.0% Return on Equity means Erste Group Bank AG PK generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Erste Group Bank AG PK:

  • The MRQ is 4.0%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.0%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.0%TTM4.0%0.0%
TTM4.0%YOY3.3%+0.7%
TTM4.0%5Y2.7%+1.3%
5Y2.7%10Y2.1%+0.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0%3.1%+0.9%
TTM4.0%2.5%+1.5%
YOY3.3%2.7%+0.6%
5Y2.7%2.5%+0.2%
10Y2.1%2.8%-0.7%

1.2. Operating Efficiency of Erste Group Bank AG PK.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Erste Group Bank AG PK is operating .

  • Measures how much profit Erste Group Bank AG PK makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • An Operating Margin of -5.5% means the company generated $-0.05  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Erste Group Bank AG PK:

  • The MRQ is -5.5%. The company is operating very inefficient. -2
  • The TTM is 14.5%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ-5.5%TTM14.5%-20.0%
TTM14.5%YOY96.7%-82.2%
TTM14.5%5Y51.6%-37.1%
5Y51.6%10Y42.7%+8.9%
1.2.2. Operating Ratio

Measures how efficient Erste Group Bank AG PK is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.65 means that the operating costs are $0.65 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Erste Group Bank AG PK:

  • The MRQ is 0.650. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.403. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.650TTM0.403+0.246
TTM0.403YOY0.565-0.161
TTM0.4035Y0.565-0.162
5Y0.56510Y0.650-0.085

1.3. Liquidity of Erste Group Bank AG PK.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Erste Group Bank AG PK is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.20 means the company has $0.20 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Erste Group Bank AG PK:

  • The MRQ is 0.199. The company is unable to pay all its short-term debts. -2
  • The TTM is 4.697. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.199TTM4.697-4.498
TTM4.697YOY0.295+4.402
TTM4.6975Y1.126+3.571
5Y1.12610Y0.593+0.533
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM4.6970.124+4.573
YOY0.2950.167+0.128
5Y1.1260.207+0.919
10Y0.5930.131+0.462
1.3.2. Quick Ratio

Measures if Erste Group Bank AG PK is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • A Quick Ratio of 0.04 means the company can pay off $0.04 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Erste Group Bank AG PK:

  • The MRQ is 0.037. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is -11.241. The company is unable to pay all its short-term debts with the most liquid assets. -2
Trends
Current periodCompared to+/- 
MRQ0.037TTM-11.241+11.278
TTM-11.241YOY0.263-11.504
TTM-11.2415Y-2.068-9.173
5Y-2.06810Y-1.004-1.064

1.4. Solvency of Erste Group Bank AG PK.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Erste Group Bank AG PK assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Erste Group Bank AG PK to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Erste Group Bank AG PK assets are financed with 92.1% credit (debt) and the remaining percentage (100% - 92.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Erste Group Bank AG PK:

  • The MRQ is 0.921. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.522. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.921TTM0.522+0.399
TTM0.522YOY0.722-0.200
TTM0.5225Y0.802-0.280
5Y0.80210Y0.863-0.061
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9210.915+0.006
TTM0.5220.916-0.394
YOY0.7220.918-0.196
5Y0.8020.919-0.117
10Y0.8630.926-0.063
1.4.2. Debt to Equity Ratio

Measures if Erste Group Bank AG PK is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,592.5% means that company has $15.93 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Erste Group Bank AG PK:

  • The MRQ is 15.925. The company is unable to pay all its debts with equity. -1
  • The TTM is 9.028. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.925TTM9.028+6.897
TTM9.028YOY12.626-3.598
TTM9.0285Y13.510-4.482
5Y13.51010Y14.911-1.401
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.92510.799+5.126
TTM9.02810.909-1.881
YOY12.62611.266+1.360
5Y13.51011.324+2.186
10Y14.91112.886+2.025

2. Market Valuation of Erste Group Bank AG PK

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Erste Group Bank AG PK generates.

  • Above 15 is considered overpriced but always compare Erste Group Bank AG PK to the Banks - Regional industry mean.
  • A PE ratio of 5.25 means the investor is paying $5.25 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Erste Group Bank AG PK:

  • The EOD is 5.740. Based on the earnings, the company is cheap. +2
  • The MRQ is 5.247. Based on the earnings, the company is cheap. +2
  • The TTM is 4.537. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.740MRQ5.247+0.492
MRQ5.247TTM4.537+0.711
TTM4.537YOY4.424+0.112
TTM4.5375Y10.481-5.944
5Y10.48110Y11.069-0.589
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.7403.675+2.065
MRQ5.2473.418+1.829
TTM4.5374.741-0.204
YOY4.4246.901-2.477
5Y10.4819.496+0.985
10Y11.0699.770+1.299
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Erste Group Bank AG PK:

  • The EOD is 6.459. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 5.905. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 0.623. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.459MRQ5.905+0.554
MRQ5.905TTM0.623+5.283
TTM0.623YOY100.681-100.059
TTM0.6235Y20.031-19.408
5Y20.03110Y9.270+10.761
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.459-2.538+8.997
MRQ5.905-2.360+8.265
TTM0.623-1.072+1.695
YOY100.6816.461+94.220
5Y20.0310.248+19.783
10Y9.2700.032+9.238
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Erste Group Bank AG PK is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.61 means the investor is paying $0.61 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Erste Group Bank AG PK:

  • The EOD is 0.668. Based on the equity, the company is cheap. +2
  • The MRQ is 0.611. Based on the equity, the company is cheap. +2
  • The TTM is 0.318. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.668MRQ0.611+0.057
MRQ0.611TTM0.318+0.293
TTM0.318YOY0.324-0.006
TTM0.3185Y0.490-0.172
5Y0.49010Y0.632-0.142
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6680.452+0.216
MRQ0.6110.420+0.191
TTM0.3180.439-0.121
YOY0.3240.594-0.270
5Y0.4900.763-0.273
10Y0.6320.991-0.359
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Erste Group Bank AG PK compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.117-94.288+8539%95.791-99%0.576+94%0.438+155%
Book Value Per Share--36.642221.563-83%127.262-71%86.522-58%53.913-32%
Current Ratio--0.1994.697-96%0.295-32%1.126-82%0.593-66%
Debt To Asset Ratio--0.9210.522+77%0.722+28%0.802+15%0.863+7%
Debt To Equity Ratio--15.9259.028+76%12.626+26%13.510+18%14.911+7%
Dividend Per Share---0.296-100%0.457-100%0.347-100%0.202-100%
Eps--1.0661.085-2%0.811+32%0.626+70%0.461+131%
Free Cash Flow Per Share--0.947-1.607+270%-3.285+447%1.001-5%0.646+47%
Free Cash Flow To Equity Per Share--4.302-1.114+126%-3.504+181%1.004+328%0.699+516%
Gross Profit Margin--0.9490.928+2%0.921+3%0.962-1%0.901+5%
Intrinsic Value_10Y_max---20.341--------
Intrinsic Value_10Y_min---1099.353--------
Intrinsic Value_1Y_max--1.916--------
Intrinsic Value_1Y_min---26.413--------
Intrinsic Value_3Y_max--2.744--------
Intrinsic Value_3Y_min---152.369--------
Intrinsic Value_5Y_max---0.062--------
Intrinsic Value_5Y_min---357.372--------
Market Cap19511760107.520+9%17837957157.12015452389428.288+15%11649214453.519+53%14071528384.577+27%13924159725.987+28%
Net Profit Margin--0.1290.188-31%0.285-55%0.208-38%0.152-15%
Operating Margin---0.0550.145-138%0.967-106%0.516-111%0.427-113%
Operating Ratio--0.6500.403+61%0.565+15%0.565+15%0.6500%
Pb Ratio0.668+9%0.6110.318+92%0.324+89%0.490+25%0.632-3%
Pe Ratio5.740+9%5.2474.537+16%4.424+19%10.481-50%11.069-53%
Price Per Share24.480+9%22.38019.387+15%14.048+59%16.745+34%16.660+34%
Price To Free Cash Flow Ratio6.459+9%5.9050.623+849%100.681-94%20.031-71%9.270-36%
Price To Total Gains Ratio21.910+9%20.031-1.806+109%0.937+2037%47.883-58%23.055-13%
Quick Ratio--0.037-11.241+30701%0.263-86%-2.068+5729%-1.004+2833%
Return On Assets--0.0020.002-2%0.002+20%0.002+43%0.001+82%
Return On Equity--0.0400.0400%0.033+20%0.027+46%0.021+88%
Total Gains Per Share--1.117-93.992+8513%96.247-99%0.923+21%0.640+75%
Usd Book Value--29205145725.000176596576056.250-83%102464991300.000-71%70136215313.500-58%43913899454.250-33%
Usd Book Value Change Per Share--1.117-94.288+8539%95.791-99%0.576+94%0.438+155%
Usd Book Value Per Share--36.642221.563-83%127.262-71%86.522-58%53.913-32%
Usd Dividend Per Share---0.296-100%0.457-100%0.347-100%0.202-100%
Usd Eps--1.0661.085-2%0.811+32%0.626+70%0.461+131%
Usd Free Cash Flow--755160000.000-1281113750.000+270%-2706131863.750+458%847606177.250-11%546018465.125+38%
Usd Free Cash Flow Per Share--0.947-1.607+270%-3.285+447%1.001-5%0.646+47%
Usd Free Cash Flow To Equity Per Share--4.302-1.114+126%-3.504+181%1.004+328%0.699+516%
Usd Market Cap19511760107.520+9%17837957157.12015452389428.288+15%11649214453.519+53%14071528384.577+27%13924159725.987+28%
Usd Price Per Share24.480+9%22.38019.387+15%14.048+59%16.745+34%16.660+34%
Usd Profit--849852290.000864669592.500-2%687200211.250+24%540857201.500+57%383556803.875+122%
Usd Revenue--6570763255.0005222458438.750+26%2401542255.000+174%2736351066.750+140%2251432288.000+192%
Usd Total Gains Per Share--1.117-93.992+8513%96.247-99%0.923+21%0.640+75%
 EOD+4 -4MRQTTM+16 -20YOY+17 -195Y+18 -1810Y+24 -12

3.2. Fundamental Score

Let's check the fundamental score of Erste Group Bank AG PK based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-155.740
Price to Book Ratio (EOD)Between0-10.668
Net Profit Margin (MRQ)Greater than00.129
Operating Margin (MRQ)Greater than0-0.055
Quick Ratio (MRQ)Greater than10.037
Current Ratio (MRQ)Greater than10.199
Debt to Asset Ratio (MRQ)Less than10.921
Debt to Equity Ratio (MRQ)Less than115.925
Return on Equity (MRQ)Greater than0.150.040
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Erste Group Bank AG PK based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.340
Ma 20Greater thanMa 5024.642
Ma 50Greater thanMa 10023.391
Ma 100Greater thanMa 20022.219
OpenGreater thanClose23.940
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2023-03-312023-06-302023-09-302023-12-312024-03-31
EBITDA  3,761,514-2,362,6231,398,891-105,8961,292,995-1,059,720233,275-500,100-266,825



Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets342,698,940
Total Liabilities315,781,755
Total Stockholder Equity19,829,188
 As reported
Total Liabilities 315,781,755
Total Stockholder Equity+ 19,829,188
Total Assets = 342,698,940

Assets

Total Assets342,698,940
Total Current Assets41,561,520
Long-term Assets301,137,420
Total Current Assets
Cash And Cash Equivalents 53,607,000
Short-term Investments -24,182,098
Net Receivables 2,421,000
Inventory -31,845,902
Other Current Assets 41,561,520
Total Current Assets  (as reported)41,561,520
Total Current Assets  (calculated)41,561,520
+/-0
Long-term Assets
Property Plant Equipment 2,660,103
Long Term Investments 66,670,971
Intangible Assets 1,280,582
Long-term Assets Other 296,355,033
Long-term Assets  (as reported)301,137,420
Long-term Assets  (calculated)366,966,689
+/- 65,829,269

Liabilities & Shareholders' Equity

Total Current Liabilities208,630,633
Long-term Liabilities107,151,122
Total Stockholder Equity19,829,188
Total Current Liabilities
Short-term Debt 10,579,000
Other Current Liabilities 197,929,633
Total Current Liabilities  (as reported)208,630,633
Total Current Liabilities  (calculated)208,508,633
+/- 122,000
Long-term Liabilities
Long-term Liabilities  (as reported)107,151,122
Long-term Liabilities  (calculated)0
+/- 107,151,122
Total Stockholder Equity
Common Stock841,826
Retained Earnings 18,924,000
Accumulated Other Comprehensive Income -1,432,133
Other Stockholders Equity 1,495,495
Total Stockholder Equity (as reported)19,829,188
Total Stockholder Equity (calculated)19,829,188
+/-0
Other
Capital Stock841,826
Cash and Short Term Investments 29,424,902
Common Stock Shares Outstanding 419,759
Current Deferred Revenue122,000
Liabilities and Stockholders Equity 342,698,938
Net Debt 22,244,027
Net Invested Capital 70,801,323
Net Working Capital -167,069,113
Short Long Term Debt Total 75,851,027



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-31
> Total Assets 
0
0
0
201,710,179
207,987,000
209,084,000
206,528,000
205,938,023
213,497,000
214,164,000
216,094,000
210,006,334
216,709,000
215,228,000
216,990,000
213,823,996
212,990,000
210,200,703
207,851,924
199,876,142
203,902,812
198,397,849
196,973,239
196,287,334
202,570,204
197,531,543
201,171,475
199,743,371
206,369,251
204,504,743
206,811,336
208,227,070
222,798,362
218,156,050
221,714,803
220,659,433
230,018,373
229,877,909
234,827,324
236,791,833
243,705,797
248,260,847
252,101,002
245,692,847
262,898,227
264,691,955
271,983,163
277,393,700
304,968,574
303,434,962
309,240,329
307,428,200
325,610,049
327,093,365
335,296,870
323,865,000
342,921,386
343,992,685
337,161,094
337,155,380
342,698,940
342,698,940337,155,380337,161,094343,992,685342,921,386323,865,000335,296,870327,093,365325,610,049307,428,200309,240,329303,434,962304,968,574277,393,700271,983,163264,691,955262,898,227245,692,847252,101,002248,260,847243,705,797236,791,833234,827,324229,877,909230,018,373220,659,433221,714,803218,156,050222,798,362208,227,070206,811,336204,504,743206,369,251199,743,371201,171,475197,531,543202,570,204196,287,334196,973,239198,397,849203,902,812199,876,142207,851,924210,200,703212,990,000213,823,996216,990,000215,228,000216,709,000210,006,334216,094,000214,164,000213,497,000205,938,023206,528,000209,084,000207,987,000201,710,179000
   > Total Current Assets 
0
0
0
7,303,000
5,965,000
6,540,000
5,030,000
7,209,000
5,043,000
6,605,000
5,743,000
9,538,000
5,480,000
5,737,000
8,675,000
9,859,000
7,659,000
9,758,000
10,679,000
8,753,000
12,728,000
8,215,000
9,449,000
10,290,000
10,767,000
8,699,000
13,551,000
13,807,000
15,930,000
13,962,000
16,902,000
19,196,000
31,302,000
26,832,000
28,751,000
27,810,000
26,193,712
17,959,934
16,529,063
33,808,000
34,342,000
34,398,000
35,774,000
28,210,000
40,841,000
40,367,000
47,676,000
53,943,000
77,419,000
69,715,000
72,186,000
64,076,000
74,506,000
68,118,000
67,059,000
51,603,000
68,497,000
65,226,000
58,404,000
48,272,542
41,561,520
41,561,52048,272,54258,404,00065,226,00068,497,00051,603,00067,059,00068,118,00074,506,00064,076,00072,186,00069,715,00077,419,00053,943,00047,676,00040,367,00040,841,00028,210,00035,774,00034,398,00034,342,00033,808,00016,529,06317,959,93426,193,71227,810,00028,751,00026,832,00031,302,00019,196,00016,902,00013,962,00015,930,00013,807,00013,551,0008,699,00010,767,00010,290,0009,449,0008,215,00012,728,0008,753,00010,679,0009,758,0007,659,0009,859,0008,675,0005,737,0005,480,0009,538,0005,743,0006,605,0005,043,0007,209,0005,030,0006,540,0005,965,0007,303,000000
       Cash And Cash Equivalents 
0
0
0
5,996,000
5,965,000
6,540,000
5,030,000
5,839,000
5,043,000
6,605,000
5,743,000
9,413,000
5,480,000
5,737,000
8,675,000
9,740,000
7,446,000
9,626,000
10,556,000
8,670,000
12,400,000
7,891,000
9,449,000
10,072,000
10,523,000
8,468,000
13,327,000
13,610,000
15,717,000
13,753,000
16,712,000
19,019,000
31,093,000
26,661,000
28,579,000
27,661,000
25,247,000
16,888,000
15,237,000
32,489,000
32,951,000
32,994,000
34,369,000
26,802,000
39,450,000
39,081,000
46,420,000
52,602,000
75,823,000
67,873,000
70,389,000
61,924,000
72,164,000
65,571,000
64,711,000
49,199,000
66,094,000
62,736,000
55,894,000
51,426,000
53,607,000
53,607,00051,426,00055,894,00062,736,00066,094,00049,199,00064,711,00065,571,00072,164,00061,924,00070,389,00067,873,00075,823,00052,602,00046,420,00039,081,00039,450,00026,802,00034,369,00032,994,00032,951,00032,489,00015,237,00016,888,00025,247,00027,661,00028,579,00026,661,00031,093,00019,019,00016,712,00013,753,00015,717,00013,610,00013,327,0008,468,00010,523,00010,072,0009,449,0007,891,00012,400,0008,670,00010,556,0009,626,0007,446,0009,740,0008,675,0005,737,0005,480,0009,413,0005,743,0006,605,0005,043,0005,839,0005,030,0006,540,0005,965,0005,996,000000
       Net Receivables 
0
0
0
1,307,000
0
0
0
1,370,000
0
0
0
125,000
0
0
0
119,000
213,000
132,000
123,000
83,000
328,000
324,000
0
218,000
244,000
231,000
224,000
197,000
213,000
209,000
190,000
177,000
209,000
171,000
172,000
149,000
946,712
1,071,934
1,292,063
1,319,000
1,391,000
1,404,000
1,405,000
1,408,000
1,391,000
1,286,000
1,256,000
1,341,000
1,596,000
1,842,000
1,797,000
2,152,000
2,342,000
2,547,000
2,348,000
2,404,000
2,403,000
2,490,000
2,510,000
2,579,000
2,421,000
2,421,0002,579,0002,510,0002,490,0002,403,0002,404,0002,348,0002,547,0002,342,0002,152,0001,797,0001,842,0001,596,0001,341,0001,256,0001,286,0001,391,0001,408,0001,405,0001,404,0001,391,0001,319,0001,292,0631,071,934946,712149,000172,000171,000209,000177,000190,000209,000213,000197,000224,000231,000244,000218,0000324,000328,00083,000123,000132,000213,000119,000000125,0000001,370,0000001,307,000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,832,047
19,283,194
22,929,490
19,089,654
4,869,858
24,378,441
12,850,645
10,579,125
4,165,730
36,076,049
39,489,657
24,063,376
3,674,259
15,115,328
10,318,259
19,471,733
4,855,000
44,991,276
37,672,739
37,231,630
6,913,100
65,412
51,922,549
52,681,991
46,359,200
52,728,718
43,920,926
41,939,788
48,272,542
41,561,520
41,561,52048,272,54241,939,78843,920,92652,728,71846,359,20052,681,99151,922,54965,4126,913,10037,231,63037,672,73944,991,2764,855,00019,471,73310,318,25915,115,3283,674,25924,063,37639,489,65736,076,0494,165,73010,579,12512,850,64524,378,4414,869,85819,089,65422,929,49019,283,1942,832,0470000000000000000000000000000000
   > Long-term Assets 
0
0
0
53,656,642
52,220,000
52,011,000
53,145,000
56,995,113
59,601,000
60,631,000
63,768,000
61,949,170
65,622,000
64,815,000
66,352,000
66,660,659
64,781,000
62,484,522
60,689,590
58,130,629
60,112,156
59,421,385
58,392,090
57,492,185
59,690,853
55,669,961
54,560,446
54,211,603
55,028,716
55,558,072
54,820,034
53,092,696
51,723,746
50,222,699
48,817,511
47,890,261
48,160,227
48,498,657
48,431,831
48,062,414
49,681,582
50,061,826
50,278,498
47,978,827
50,895,501
51,412,813
50,380,071
51,041,200
51,337,242
53,931,752
54,759,354
57,000,300
58,355,241
59,676,334
61,982,979
63,332,300
63,972,544
65,596,420
65,183,938
288,882,838
301,137,420
301,137,420288,882,83865,183,93865,596,42063,972,54463,332,30061,982,97959,676,33458,355,24157,000,30054,759,35453,931,75251,337,24251,041,20050,380,07151,412,81350,895,50147,978,82750,278,49850,061,82649,681,58248,062,41448,431,83148,498,65748,160,22747,890,26148,817,51150,222,69951,723,74653,092,69654,820,03455,558,07255,028,71654,211,60354,560,44655,669,96159,690,85357,492,18558,392,09059,421,38560,112,15658,130,62960,689,59062,484,52264,781,00066,660,65966,352,00064,815,00065,622,00061,949,17063,768,00060,631,00059,601,00056,995,11353,145,00052,011,00052,220,00053,656,642000
       Property Plant Equipment 
0
0
0
2,344,000
2,369,000
2,353,000
2,388,000
2,446,000
2,472,000
2,449,000
2,401,000
2,360,804
2,285,000
2,244,000
2,213,000
2,228,000
2,156,000
2,115,729
2,107,833
2,058,000
2,329,890
2,347,284
2,355,674
2,265,000
2,339,943
2,329,889
2,368,138
2,401,000
2,370,021
2,334,450
2,334,932
2,477,000
2,441,435
2,430,679
2,414,448
2,386,000
2,341,768
2,363,447
2,326,590
2,294,000
2,663,396
2,580,028
2,508,643
2,630,000
2,557,884
2,526,459
2,496,069
2,551,000
2,526,088
2,545,375
2,539,125
2,644,000
2,549,268
2,578,268
2,542,272
2,616,000
2,671,319
2,665,368
2,592,991
2,604,853
2,660,103
2,660,1032,604,8532,592,9912,665,3682,671,3192,616,0002,542,2722,578,2682,549,2682,644,0002,539,1252,545,3752,526,0882,551,0002,496,0692,526,4592,557,8842,630,0002,508,6432,580,0282,663,3962,294,0002,326,5902,363,4472,341,7682,386,0002,414,4482,430,6792,441,4352,477,0002,334,9322,334,4502,370,0212,401,0002,368,1382,329,8892,339,9432,265,0002,355,6742,347,2842,329,8902,058,0002,107,8332,115,7292,156,0002,228,0002,213,0002,244,0002,285,0002,360,8042,401,0002,449,0002,472,0002,446,0002,388,0002,353,0002,369,0002,344,000000
       Goodwill 
0
0
0
3,320,000
0
0
0
3,259,000
0
0
0
2,172,000
0
0
0
1,626,000
0
0
0
1,239,000
0
0
0
771,000
0
0
0
770,000
0
0
0
708,000
0
0
0
713,000
0
0
0
713,000
0
0
0
547,000
0
0
0
544,000
0
0
0
550,000
0
0
0
556,000
0
0
0
545,000
0
0545,000000556,000000550,000000544,000000547,000000713,000000713,000000708,000000770,000000771,0000001,239,0000001,626,0000002,172,0000003,259,0000003,320,000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
40,023,508
38,690,370
43,449,062
43,405,538
44,072,935
45,761,608
43,311,200
44,569,050
44,540,231
45,529,330
45,992,281
46,278,862
43,551,028
47,016,009
47,555,353
46,552,953
47,132,200
47,478,909
50,044,056
50,894,015
52,994,030
54,469,162
55,783,183
58,140,474
59,369,340
59,965,786
61,602,553
61,277,851
63,488,000
66,670,971
66,670,97163,488,00061,277,85161,602,55359,965,78659,369,34058,140,47455,783,18354,469,16252,994,03050,894,01550,044,05647,478,90947,132,20046,552,95347,555,35347,016,00943,551,02846,278,86245,992,28145,529,33044,540,23144,569,05043,311,20045,761,60844,072,93543,405,53843,449,06238,690,37040,023,5080000000000000000000000000000000
       Intangible Assets 
0
0
0
1,547,000
4,926,000
4,716,000
4,762,000
1,416,000
0
0
0
1,360,000
0
0
0
1,269,000
0
0
0
1,203,000
0
0
0
671,000
0
0
0
695,000
0
0
0
683,000
1,378,394
1,665,385
1,729,635
812,000
1,858,633
1,753,808
1,716,371
795,000
5,246,994
5,634,342
3,844,225
821,000
0
0
0
814,000
0
0
0
812,000
0
1,314,883
1,300,233
791,000
1,335,439
1,328,499
1,313,096
769,000
1,280,582
1,280,582769,0001,313,0961,328,4991,335,439791,0001,300,2331,314,8830812,000000814,000000821,0003,844,2255,634,3425,246,994795,0001,716,3711,753,8081,858,633812,0001,729,6351,665,3851,378,394683,000000695,000000671,0000001,203,0000001,269,0000001,360,0000001,416,0004,762,0004,716,0004,926,0001,547,000000
       Other Assets 
0
0
0
140,750,537
149,802,000
150,533,000
148,353,000
141,733,910
148,853,000
146,928,000
146,583,000
138,519,164
145,607,000
144,676,000
141,963,000
137,304,337
140,550,000
137,958,181
136,483,334
132,992,513
131,062,656
130,761,464
129,132,149
128,505,149
132,112,351
133,162,582
133,060,029
131,724,768
135,410,535
134,984,671
135,089,302
135,938,374
139,772,616
141,101,351
144,146,292
144,959,172
155,664,434
163,419,318
169,866,430
154,921,419
159,682,215
163,801,021
166,048,504
169,504,020
171,161,726
172,912,142
173,927,092
172,409,500
176,212,332
179,788,210
182,294,975
186,351,900
192,748,808
199,299,031
206,254,891
208,929,700
210,451,842
213,170,265
213,573,156
0
0
00213,573,156213,170,265210,451,842208,929,700206,254,891199,299,031192,748,808186,351,900182,294,975179,788,210176,212,332172,409,500173,927,092172,912,142171,161,726169,504,020166,048,504163,801,021159,682,215154,921,419169,866,430163,419,318155,664,434144,959,172144,146,292141,101,351139,772,616135,938,374135,089,302134,984,671135,410,535131,724,768133,060,029133,162,582132,112,351128,505,149129,132,149130,761,464131,062,656132,992,513136,483,334137,958,181140,550,000137,304,337141,963,000144,676,000145,607,000138,519,164146,583,000146,928,000148,853,000141,733,910148,353,000150,533,000149,802,000140,750,537000
> Total Liabilities 
0
0
0
185,587,415
191,111,000
192,603,000
189,515,000
188,809,536
195,862,000
196,641,000
200,653,000
194,826,373
200,736,000
199,336,000
200,590,000
197,485,783
196,559,000
193,966,830
192,563,327
185,094,224
188,833,335
184,319,916
183,320,240
182,842,963
188,613,192
183,516,913
186,734,275
184,934,374
191,152,425
188,526,774
190,280,365
191,624,016
205,904,641
200,640,963
203,744,041
202,371,117
212,022,684
212,170,182
216,431,553
217,923,113
223,951,412
228,611,956
231,971,249
225,215,524
241,845,636
243,491,589
250,544,864
254,983,400
282,197,137
280,064,122
285,286,619
283,914,800
301,541,902
303,207,052
310,712,869
298,560,300
38,945,280
41,348,056
41,772,039
311,058,964
315,781,755
315,781,755311,058,96441,772,03941,348,05638,945,280298,560,300310,712,869303,207,052301,541,902283,914,800285,286,619280,064,122282,197,137254,983,400250,544,864243,491,589241,845,636225,215,524231,971,249228,611,956223,951,412217,923,113216,431,553212,170,182212,022,684202,371,117203,744,041200,640,963205,904,641191,624,016190,280,365188,526,774191,152,425184,934,374186,734,275183,516,913188,613,192182,842,963183,320,240184,319,916188,833,335185,094,224192,563,327193,966,830196,559,000197,485,783200,590,000199,336,000200,736,000194,826,373200,653,000196,641,000195,862,000188,809,536189,515,000192,603,000191,111,000185,587,415000
   > Total Current Liabilities 
0
0
0
1,247,000
0
0
0
1,191,000
0
0
0
14,000
0
0
0
17,000
47,000
41,000
40,000
24,000
0
0
0
0
0
0
0
0
0
0
0
163,935,058
173,323,590
192,758,616
202,242,003
211,658,191
220,971,682
207,412,906
210,987,203
217,887,123
666,673,894
724,633,275
504,575,948
195,014,566
206,236,206
207,846,109
214,565,097
225,037,600
243,286,480
243,723,234
245,583,384
253,574,600
260,753,396
216,814,006
219,215,871
216,632,900
214,180,554
213,851,659
209,390,710
2,681,116
208,630,633
208,630,6332,681,116209,390,710213,851,659214,180,554216,632,900219,215,871216,814,006260,753,396253,574,600245,583,384243,723,234243,286,480225,037,600214,565,097207,846,109206,236,206195,014,566504,575,948724,633,275666,673,894217,887,123210,987,203207,412,906220,971,682211,658,191202,242,003192,758,616173,323,590163,935,0580000000000024,00040,00041,00047,00017,00000014,0000001,191,0000001,247,000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34,480,958
41,744,515
39,636,691
39,582,331
3,785,277
41,915,378
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,260,000
10,177,000
12,005,000
10,082,000
11,346,000
9,338,000
14,752,000
10,579,000
10,579,00014,752,0009,338,00011,346,00010,082,00012,005,00010,177,00010,260,000000000000000000041,915,3783,785,27739,582,33139,636,69141,744,51534,480,9580000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34,480,958
41,744,515
39,636,691
39,582,331
3,785,277
41,915,378
198,170,154,822
0
6,319,110
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000006,319,1100198,170,154,82241,915,3783,785,27739,582,33139,636,69141,744,51534,480,9580000000000000000000000000000000
       Accounts payable 
0
0
0
1,247,000
0
0
0
1,191,000
0
0
0
14,000
0
0
0
17,000
47,000
41,000
40,000
24,000
0
0
0
0
0
0
0
0
0
0
0
150,954,078
158,180,947
183,042,824
192,273,804
198,458,816
210,733,330
199,378,217
203,027,486
203,510,871
642,681,395
689,677,232
480,396,040
183,389,576
195,893,329
198,759,571
206,668,908
213,645,700
234,043,960
236,090,345
237,810,129
240,823,000
257,163,415
255,993,633
261,736,660
252,793,338
0
0
0
-14,866,000
0
0-14,866,000000252,793,338261,736,660255,993,633257,163,415240,823,000237,810,129236,090,345234,043,960213,645,700206,668,908198,759,571195,893,329183,389,576480,396,040689,677,232642,681,395203,510,871203,027,486199,378,217210,733,330198,458,816192,273,804183,042,824158,180,947150,954,0780000000000024,00040,00041,00047,00017,00000014,0000001,191,0000001,247,000000
       Other Current Liabilities 
0
0
0
-1,247,000
0
0
0
-1,191,000
0
0
0
-14,000
0
0
0
-17,000
-47,000
-41,000
-40,000
-24,000
0
0
0
0
0
0
0
0
0
0
0
1,474,769
524,810
474,984
493,995
2,182,007
827,596
781,330
974,554
2,147,314
2,918,132
3,447,609
2,464,840
1,937,387
689,095
675,188
839,983
2,027,600
802,513
1,262,383
1,096,840
2,875,400
1,282,149
206,425,006
208,892,871
204,511,900
203,978,554
202,375,659
199,928,710
2,681,116
197,929,633
197,929,6332,681,116199,928,710202,375,659203,978,554204,511,900208,892,871206,425,0061,282,1492,875,4001,096,8401,262,383802,5132,027,600839,983675,188689,0951,937,3872,464,8403,447,6092,918,1322,147,314974,554781,330827,5962,182,007493,995474,984524,8101,474,76900000000000-24,000-40,000-41,000-47,000-17,000000-14,000000-1,191,000000-1,247,000000
   > Long-term Liabilities 
0
0
0
1,247,000
191,111,000
192,603,000
189,515,000
1,191,000
195,862,000
196,641,000
200,653,000
14,000
200,736,000
199,336,000
200,590,000
17,000
47,000
41,000
40,000
24,000
188,833,335
184,319,916
183,320,240
182,842,963
188,613,192
183,516,913
186,734,275
184,934,374
191,152,425
188,526,774
190,280,365
191,624,016
205,904,641
200,640,963
203,744,041
202,371,117
212,022,684
212,170,182
216,431,553
217,923,113
223,951,412
228,611,956
231,971,249
225,215,524
241,845,636
243,491,589
250,544,864
254,983,400
282,197,137
280,064,122
285,286,619
283,914,800
301,541,902
303,207,052
310,712,869
298,560,300
38,945,280
41,348,056
41,772,039
308,377,848
107,151,122
107,151,122308,377,84841,772,03941,348,05638,945,280298,560,300310,712,869303,207,052301,541,902283,914,800285,286,619280,064,122282,197,137254,983,400250,544,864243,491,589241,845,636225,215,524231,971,249228,611,956223,951,412217,923,113216,431,553212,170,182212,022,684202,371,117203,744,041200,640,963205,904,641191,624,016190,280,365188,526,774191,152,425184,934,374186,734,275183,516,913188,613,192182,842,963183,320,240184,319,916188,833,33524,00040,00041,00047,00017,000200,590,000199,336,000200,736,00014,000200,653,000196,641,000195,862,0001,191,000189,515,000192,603,000191,111,0001,247,000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,715,269
5,454,153
6,096,923
6,703,784
5,020,454
7,346,286
6,385,639
6,866,594
4,289,774
6,366,867
5,815,085
5,763,599
3,646,020
5,675,971
5,693,892
5,788,857
3,651,700
5,836,816
5,504,585
5,616,093
3,979,000
6,198,388
5,496,874
5,289,117
5,171,399
0
0
0
0
0
000005,171,3995,289,1175,496,8746,198,3883,979,0005,616,0935,504,5855,836,8163,651,7005,788,8575,693,8925,675,9713,646,0205,763,5995,815,0856,366,8674,289,7746,866,5946,385,6397,346,2865,020,4546,703,7846,096,9235,454,1534,715,2690000000000000000000000000000000
> Total Stockholder Equity
0
0
0
12,708,530
13,316,000
12,920,000
13,393,000
13,585,000
14,106,000
13,916,000
11,886,000
12,037,066
12,755,000
12,625,000
12,947,000
12,855,000
12,913,000
12,781,000
11,798,000
11,325,000
11,527,000
10,452,000
9,946,000
9,839,000
10,239,000
10,314,000
10,691,000
11,007,000
11,328,000
12,030,000
12,468,000
12,461,000
12,685,000
13,253,000
13,604,000
13,871,914
13,643,158
13,305,720
13,877,399
14,374,690
15,184,456
15,009,942
15,394,712
15,619,827
16,177,404
16,278,026
16,414,598
17,337,200
17,608,557
18,088,373
18,500,713
17,997,400
18,521,889
18,276,657
18,756,536
19,347,600
20,294,946
20,310,330
21,015,173
19,242,933
19,829,188
19,829,18819,242,93321,015,17320,310,33020,294,94619,347,60018,756,53618,276,65718,521,88917,997,40018,500,71318,088,37317,608,55717,337,20016,414,59816,278,02616,177,40415,619,82715,394,71215,009,94215,184,45614,374,69013,877,39913,305,72013,643,15813,871,91413,604,00013,253,00012,685,00012,461,00012,468,00012,030,00011,328,00011,007,00010,691,00010,314,00010,239,0009,839,0009,946,00010,452,00011,527,00011,325,00011,798,00012,781,00012,913,00012,855,00012,947,00012,625,00012,755,00012,037,06611,886,00013,916,00014,106,00013,585,00013,393,00012,920,00013,316,00012,708,530000
   Common Stock
0
0
0
0
0
0
0
2,513,000
0
0
0
0
0
0
0
790,000
2,547,000
2,546,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
860,000
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
859,600
851,499
843,326
841,826
841,826843,326851,499859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600859,600860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,000860,0002,546,0002,547,000790,00000000002,513,0000000000
   Retained Earnings Total Equity0000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income -1,432,133-1,236,000-1,387,002-1,246,000-1,199,000-1,549,600-1,665,741-1,654,65600000000000000000000000000000000000000000000000000000
   Capital Surplus 0000000000000000000000000000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
12,708,530
13,316,000
12,920,000
13,393,000
6,177,000
14,106,000
13,916,000
11,886,000
8,207,066
12,755,000
12,625,000
12,947,000
7,938,000
5,810,000
5,826,000
6,406,000
7,037,000
6,287,000
6,407,000
6,445,000
863,000
1,028,000
869,000
970,000
1,076,000
1,115,000
1,466,000
1,577,000
1,511,000
1,476,000
2,114,000
2,105,000
2,469,964
2,469,494
2,469,274
2,469,943
2,469,931
2,967,000
2,967,000
2,967,000
2,968,086
3,465,202
3,465,205
3,465,207
4,210,700
4,210,685
4,210,689
4,209,575
3,713,900
3,713,887
3,713,713
3,713,677
3,713,900
3,713,874
3,713,874
3,879,676
1,493,993
1,495,495
1,495,4951,493,9933,879,6763,713,8743,713,8743,713,9003,713,6773,713,7133,713,8873,713,9004,209,5754,210,6894,210,6854,210,7003,465,2073,465,2053,465,2022,968,0862,967,0002,967,0002,967,0002,469,9312,469,9432,469,2742,469,4942,469,9642,105,0002,114,0001,476,0001,511,0001,577,0001,466,0001,115,0001,076,000970,000869,0001,028,000863,0006,445,0006,407,0006,287,0007,037,0006,406,0005,826,0005,810,0007,938,00012,947,00012,625,00012,755,0008,207,06611,886,00013,916,00014,106,0006,177,00013,393,00012,920,00013,316,00012,708,530000



Balance Sheet

Currency in EUR. All numbers in thousands.