Erste Group Bank AG.XTER:EBO +1.75%74 FCF Margin % is 71.02% as of Mar. 2026, which is 197% above its 10-year median of 23.95. GuruFocus rates XTER:EBO with a GF Score™ of 74/100 and a GF Value™ of €66.32 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Erste Group Bank AG. ranks better than 77.34% on this metric.
The historical rank and industry rank for Erste Group Bank AG.'s FCF Margin % or its related term are showing as below:
XTER:EBO'
s FCF Margin % Range Over the Past 10 Years
Min: -110.7 Med: 23.95 Max: 334.07
Current: 57.42
During the past 13 years, the highest FCF Margin % of Erste Group Bank AG. was 334.07%. The lowest was -110.70%. And the median was 23.95%.
XTER:EBO's FCF Margin % is ranked better than 77.34% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs XTER:EBO: 57.42
Erste Group Bank AG. FCF Margin % Related Terms
Erste Group Bank AG. FCF Margin % Historical Data
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The historical data trend for Erste Group Bank AG.'s FCF Margin % 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 Group Bank AG.'s FCF Margin %, along with its competitors' market caps and FCF Margin % 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. FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Erste Group Bank AG.'s FCF Margin % 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. (XTER:EBO) has a FCF Margin % of 71.02% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Erste Group Bank AG. and its competitors. This is 197% above median its historical median of 23.95. According to the industry distribution chart, Erste Group Bank AG. ranks #341 out of 1505 companies in the Banks industry, placing it in the top 22.7%.
Is Erste Group Bank AG.'s FCF Margin % too high?
Erste Group Bank AG.'s current FCF Margin % of 71.02% is 197% above median its 10-year median of 23.95. The Banks industry median FCF Margin % is 26.55. Erste Group Bank AG.'s value of 71.02% is 167.5% above this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #341 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Group Bank AG. has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #341 out of 1505 companies for FCF Margin %. This places Erste Group Bank AG. in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Erste Group Bank AG.'s value of 71.02% is 167.5% above this benchmark. While the company's 10-year median is 23.95 vs. the industry median of 26.55, Erste Group Bank AG. has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Erste Group Bank AG.'s current FCF Margin % of 71.02% is 167.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Erste Group Bank AG. and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Group Bank AG.'s current FCF Margin % is 71.02%, which is 197% above median its own 10-year median of 23.95. 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. (XTER:EBO) is currently considered Significantly Overvalued. The stock's GF Value™ is €66.32, compared to a current price of €116.60 — trading 75.8% above its estimated fair value. The current FCF Margin % is 71.02%, which is 197% above median its 10-year median of 23.95 and 167.5% above the Banks industry median of 26.55. Erste Group Bank AG.'s overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Erste Group Bank AG. (XTER:EBO), the current FCF Margin % is 71.02% as of Mar. 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. (XTER:EBO) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of €116.60 is trading 75.8% above its estimated GF Value™ of €66.32.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for XTER:EBO:
FCF Margin %: 71.02% (197% above median its 10-year median of 23.95)
GF Value™: €66.32 vs. price of €116.60 (75.8% above fair value)
Industry Position: 167.5% above the Banks median (#341 of 1505)
No single metric tells the full story. See the XTER:EBO 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.
74GF Score
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