EurobankHAM:1X8 +0.24%67 ROE % is 12.35% as of Mar. 2026, which is 156% above its 10-year median of 4.82. GuruFocus rates HAM:1X8 with a GF Score™ of 67/100 and a GF Value™ of €2.60 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Eurobank ranks better than 73.94% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Eurobank's annualized net income for the quarter that ended in Mar. 2026 was €1,324 Mil. Eurobank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €10,720 Mil. Therefore, Eurobank's annualized ROE % for the quarter that ended in Mar. 2026 was 12.35%.
The historical rank and industry rank for Eurobank's ROE % or its related term are showing as below:
HAM:1X8'
s ROE % Range Over the Past 10 Years
Min: -20.37 Med: 4.82 Max: 22.13
Current: 13.74
During the past 13 years, Eurobank's highest ROE % was 22.13%. The lowest was -20.37%. And the median was 4.82%.
HAM:1X8's ROE % is ranked better than 73.94% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs HAM:1X8: 13.74
Eurobank (HAM:1X8) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Eurobank ROE % Related Terms
Eurobank ROE % Historical Data
* Premium members only.
The historical data trend for Eurobank's ROE % 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, Eurobank's ROE %, along with its competitors' market caps and ROE % 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.
Eurobank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Eurobank's ROE % distribution charts can be found below:
* The bar in red indicates where Eurobank's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Eurobank (HAM:1X8) has a ROE % of 12.35% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Eurobank and its competitors. This is 156% above median its historical median of 4.82. According to the industry distribution chart, Eurobank ranks #398 out of 1527 companies in the Banks industry, placing it in the top 26.1%.
Is Eurobank's ROE % too high?
Eurobank's current ROE % of 12.35% is 156% above median its 10-year median of 4.82. The Banks industry median ROE % is 10.23. Eurobank's value of 12.35% is 20.7% above this industry median. Based on the distribution chart, Eurobank ranks #398 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Eurobank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eurobank's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Eurobank ranks #398 out of 1527 companies for ROE %. This puts Eurobank in the upper half of its industry. The industry median ROE % is 10.23. Eurobank's value of 12.35% is 20.7% above this benchmark. While the company's 10-year median is 4.82 vs. the industry median of 10.23, Eurobank 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eurobank's current ROE % of 12.35% is 20.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Eurobank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eurobank's current ROE % is 12.35%, which is 156% above median its own 10-year median of 4.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eurobank stock overvalued right now?
Based on GuruFocus' analysis, Eurobank (HAM:1X8) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.60, compared to a current price of €4.12 — trading 58.3% above its estimated fair value. The current ROE % is 12.35%, which is 156% above median its 10-year median of 4.82 and 20.7% above the Banks industry median of 10.23. Eurobank's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Eurobank (HAM:1X8), the current ROE % is 12.35% 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 Eurobank (HAM:1X8) Overvalued in 2026?
Based on GuruFocus' analysis, Eurobank stock appears to be overvalued.
The current stock price of €4.12 is trading 58.3% above its estimated GF Value™ of €2.60.
GuruFocus considers Eurobank to be Significantly Overvalued.
Key valuation signals for HAM:1X8:
ROE %: 12.35% (156% above median its 10-year median of 4.82)
GF Value™: €2.60 vs. price of €4.12 (58.3% above fair value)
Industry Position: 20.7% above the Banks median (#398 of 1527)
No single metric tells the full story. See the HAM:1X8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Eurobank SA operates as a universal bank offering a comprehensive suite of financial services. It provides retail, corporate and private banking, asset management, treasury, capital market, and other services in Greece, Bulgaria, Cyprus, and Luxembourg. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, and mortgages, overdrafts, loans and other credit facilities, and Others services. It also provides custody and clearing services, cash management and trade service, and investment banking services. The operating segments of the company are: Retail, Corporate, Markets, Investment Property, RSS, and International. Geographically, the Group is active in Greece, Cyprus, Bulgaria and Luxembourg.
67GF Score
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