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Erste Group Bank AG.EBKOF -0.34%79 Cash-to-Debt is 0.69 as of Jun. 2026, which is 38% below its 10-year median of 1.11. GuruFocus rates EBKOF with a GF Score™ of 79/100 and a GF Value™ of $92.99 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,485 Banks companies, Erste Group Bank AG. ranks worse than 67.21% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Erste Group Bank AG.'s cash to debt ratio for the quarter that ended in Jun. 2026 was 0.69.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Erste Group Bank AG.couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Erste Group Bank AG.'s Cash-to-Debt or its related term are showing as below:
EBKOF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.54 Med: 1.11 Max: 2.29
Current: 0.69
During the past 13 years, Erste Group Bank AG.'s highest Cash to Debt Ratio was 2.29. The lowest was 0.54. And the median was 1.11.
EBKOF's Cash-to-Debt is ranked worse than 67.21% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs EBKOF: 0.69
Erste Group Bank AG. (OTCPK:EBKOF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Erste Group Bank AG. Cash-to-Debt Related Terms
Erste Group Bank AG. Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Erste Group Bank AG.'s Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Erste Group Bank AG.'s Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Erste Group Bank AG. Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Erste Group Bank AG.'s Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Erste Group Bank AG. (EBKOF) has a Cash-to-Debt of 0.69 as of Jun. 2026. This is 38% below median its historical median of 1.11. Over the past decade, Erste Group Bank AG.'s Cash-to-Debt has ranged from 0.54 to 2.29. According to the industry distribution chart, Erste Group Bank AG. ranks #998 out of 1485 companies in the Banks industry, placing it in the top 67.2%.
Is Erste Group Bank AG.'s Cash-to-Debt too high?
Erste Group Bank AG.'s current Cash-to-Debt of 0.69 is 38% below median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 2.29. The Banks industry median Cash-to-Debt is 1.40. Erste Group Bank AG.'s value of 0.69 is 50.7% below this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #998 out of 1485 companies in the Banks industry, which is below the industry midpoint. Overall, Erste Group Bank AG. has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #998 out of 1485 companies for Cash-to-Debt. This places Erste Group Bank AG. in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Erste Group Bank AG.'s value of 0.69 is 50.7% below this benchmark. Historically, Erste Group Bank AG.'s own Cash-to-Debt has ranged from 0.54 to 2.29 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 1.40, Erste Group Bank AG. has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Erste Group Bank AG.'s current Cash-to-Debt of 0.69 is 50.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Group Bank AG.'s current Cash-to-Debt is 0.69, which is 38% below median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $92.99, compared to a current price of $131.11 — trading 41% above its estimated fair value. The current Cash-to-Debt is 0.69, which is 38% below median its 10-year median of 1.11 and 50.7% below the Banks industry median of 1.40. Erste Group Bank AG.'s overall GF Score™ is 79/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Erste Group Bank AG. (EBKOF), the current Cash-to-Debt is 0.69 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Erste Group Bank AG. (EBKOF) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of $131.11 is trading 41% above its estimated GF Value™ of $92.99.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for EBKOF:
Cash-to-Debt: 0.69 (38% below median its 10-year median of 1.11)
GF Value™: $92.99 vs. price of $131.11 (41% above fair value)
Industry Position: 50.7% below the Banks median (#998 of 1485)
No single metric tells the full story. See the EBKOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
79GF Score
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