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Erste Bank PolskaSTU:BZI +2.68%68 EV-to-OCF is 3.63 as of Sep. 07, 2026, which is 28% below its 10-year median of 5.02. GuruFocus rates STU:BZI with a GF Score™ of 68/100 and a GF Value™ of €121.82 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,490 Banks companies, Erste Bank Polska ranks better than 52.08% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Erste Bank Polska's Enterprise Value is €16,233 Mil.
Erste Bank Polska's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €4,468 Mil. Therefore, Erste Bank Polska's EV-to-OCF for today is 3.63.
The historical rank and industry rank for Erste Bank Polska's EV-to-OCF or its related term are showing as below:
STU:BZI'
s EV-to-OCF Range Over the Past 10 Years
Min: -11.67 Med: 5.02 Max: 2146.43
Current: 3.65
During the past 13 years, the highest EV-to-OCF of Erste Bank Polska was 2146.43. The lowest was -11.67. And the median was 5.02.
STU:BZI's EV-to-OCF is ranked better than 52.08% of 1490
companies
in the Banks industry
Industry Median: 4.07
vs STU:BZI: 3.65
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Erste Bank Polska's PE Ratio (TTM) for today is calculated as:
Erste Bank Polska's share price for today is €170.80.
Erste Bank Polska's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €13.482.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Erste Bank Polska EV-to-OCF Related Terms
Erste Bank Polska EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska's EV-to-OCF 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.
For the Banks - Regional subindustry, Erste Bank Polska's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 Bank Polska EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's EV-to-OCF falls into.
Erste Bank Polska's current Enterprise Value is €16,233 Mil.
Erste Bank Polska's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4,468 Mil.
* 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 Bank Polska (STU:BZI) has a EV-to-OCF of 3.63 as of Sep. 07, 2026. This is 28% below median its historical median of 5.02. According to the industry distribution chart, Erste Bank Polska ranks #714 out of 1490 companies in the Banks industry, placing it in the top 47.9%.
Is Erste Bank Polska's EV-to-OCF too high?
Erste Bank Polska's current EV-to-OCF of 3.63 is 28% below median its 10-year median of 5.02. The Banks industry median EV-to-OCF is 4.07. Erste Bank Polska's value of 3.63 is 10.8% below this industry median. Based on the distribution chart, Erste Bank Polska ranks #714 out of 1490 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Erste Bank Polska ranks #714 out of 1490 companies for EV-to-OCF. This puts Erste Bank Polska in the upper half of its industry. The industry median EV-to-OCF is 4.07. Erste Bank Polska's value of 3.63 is 10.8% below this benchmark. While the company's 10-year median is 5.02 vs. the industry median of 4.07, Erste Bank Polska 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.07, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Erste Bank Polska's current EV-to-OCF of 3.63 is 10.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current EV-to-OCF is 3.63, which is 28% below median its own 10-year median of 5.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (STU:BZI) is currently considered Significantly Overvalued. The stock's GF Value™ is €121.82, compared to a current price of €170.80 — trading 40.2% above its estimated fair value. The current EV-to-OCF is 3.63, which is 28% below median its 10-year median of 5.02 and 10.8% below the Banks industry median of 4.07. Erste Bank Polska's overall GF Score™ is 68/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Erste Bank Polska (STU:BZI), the current EV-to-OCF is 3.63 as of Sep. 07, 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 Bank Polska (STU:BZI) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of €170.80 is trading 40.2% above its estimated GF Value™ of €121.82.
GuruFocus considers Erste Bank Polska to be Significantly Overvalued.
Key valuation signals for STU:BZI:
EV-to-OCF: 3.63 (28% below median its 10-year median of 5.02)
GF Value™: €121.82 vs. price of €170.80 (40.2% above fair value)
Industry Position: 10.8% below the Banks median (#714 of 1490)
No single metric tells the full story. See the STU:BZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
68GF Score
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