Stocktoria

Eurobank S.A. EUROB.AT

GR · Athens Stock Exchange · ASEX · stock · Financial Services · website

Eurobank S.A. statistics & valuation

Market cap€16.2B
P / E11.9×
P / S4.8×
P / B1.5×
P / FCF6.1×
Net margin40.3%
FCF margin78.2%
Net cash€7.7B
Enterprise value USD$9.9B
Graham number +10.1%€4.96

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€4.96); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
49.20% 40.50% 45.00% 40.30% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
20.30% 14.40% 16.30% 12.80% 2022202320242025
Shares outstanding
3.59B 3.59B 3.59B 3.59B 2022202320242025
Net debt (€)
-€10.23B -€4.51B -€8.09B -€7.67B 2022202320242025
Share buybacks (€)
2022202320242025
Return on assets (%)
1.70% 1.40% 1.40% 1.30% 2022202320242025
Free cash flow margin (%)
99.40% -82.50% 3.10% 78.20% 2022202320242025
Debt / equity (×)
0.78× 0.98× 1.08× 0.92× 2022202320242025
EPS (€)
€0.36 €0.31 €0.39 €0.37 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Eurobank S.A. trades at about 12.2× earnings — above its 10-year norm (10-year range 3.4×–11.2×, median 6.2×).

3.4× 12.2×

Shaded band = 10-year range (3.4×–11.2×); dot = today's 12.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin40.3%45.0%40.5%49.2%
FCF margin78.2%3.1%-82.5%99.4%
Return on assets1.3%1.4%1.4%1.7%
Return on equity12.8%16.3%14.4%20.3%

Computed from company filings · GR · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.