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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-22), Erste Bank Polska's Intrinsic Value: Projected FCF is zł985.89. The stock price of Erste Bank Polska is zł395.55. Therefore, Erste Bank Polska's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.
The historical rank and industry rank for Erste Bank Polska's Intrinsic Value: Projected FCF or its related term are showing as below:
LTS:0DVR'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.18 Med: 0.36 Max: 4.31
Current: 0.4
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Erste Bank Polska was 4.31. The lowest was 0.18. And the median was 0.36.
LTS:0DVR's Price-to-Projected-FCF is ranked better than 70.38% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs LTS:0DVR: 0.40
Erste Bank Polska (LTS:0DVR) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Erste Bank Polska's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
395.55
/
1290.7023372901
=
0.31
* 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 Intrinsic Value: Projected FCF Related Terms
Erste Bank Polska Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska's Intrinsic Value: Projected FCF 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.
Erste Bank Polska Intrinsic Value: Projected FCF Chart
Erste Bank Polska Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Erste Bank Polska's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's Price-to-Projected-FCF falls into.
Erste Bank Polska Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of zł985.89 mean?
Erste Bank Polska (LTS:0DVR) has a Intrinsic Value: Projected FCF of zł985.89 as of Sep. 22, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Erste Bank Polska and its competitors. According to the industry distribution chart, Erste Bank Polska ranks #385 out of 1300 companies in the Banks industry, placing it in the top 29.6%.
Is Erste Bank Polska's Intrinsic Value: Projected FCF too high?
Erste Bank Polska's current Intrinsic Value: Projected FCF is zł985.89. Based on the distribution chart, Erste Bank Polska ranks #385 out of 1300 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Erste Bank Polska ranks #385 out of 1300 companies for Intrinsic Value: Projected FCF. This puts Erste Bank Polska in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Erste Bank Polska and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current Intrinsic Value: Projected FCF is zł985.89. 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?
Erste Bank Polska (LTS:0DVR) has a current Intrinsic Value: Projected FCF of zł985.89. The stock's GF Value™ is zł275.68, compared to a current price of zł395.55 — trading 43.5% above its estimated fair value. The current Intrinsic Value: Projected FCF is zł985.89. Erste Bank Polska's overall GF Score™ is 71/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Erste Bank Polska (LTS:0DVR), the current Intrinsic Value: Projected FCF is zł985.89 as of Sep. 22, 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 (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 43.5% above its estimated GF Value™ of zł275.68.
Key valuation signals for LTS:0DVR:
Intrinsic Value: Projected FCF: zł985.89
GF Value™: zł275.68 vs. price of zł395.55 (43.5% above fair value)
No single metric tells the full story. See the LTS:0DVR 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.
71GF Score
Get the complete analysis for LTS:0DVR
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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