Eurobank Ergasias Services and Holdings S.A.
Eurobank Ergasias Services and Holdings S.A. Fundamental Analysis
Eurobank Ergasias Services and Holdings S.A. (EGFEF) shows strong financial fundamentals with a PE ratio of 13.04, profit margin of 25.67%, and ROE of 14.49%. The company generates $4.5B in annual revenue with strong year-over-year growth of 11.26%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze EGFEF's fundamental strength across five key dimensions:
Efficiency Score
WeakEGFEF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentEGFEF trades at attractive valuation levels.
Growth Score
ExcellentEGFEF delivers strong and consistent growth momentum.
Financial Health Score
WeakEGFEF carries high financial risk with limited liquidity.
Profitability Score
ModerateEGFEF maintains healthy but balanced margins.
Key Financial Metrics
Is EGFEF Expensive or Cheap?
P/E Ratio
EGFEF trades at 13.04 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, EGFEF's PEG of -5.84 indicates potential undervaluation.
Price to Book
The market values Eurobank Ergasias Services and Holdings S.A. at 1.86 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.07 times EBITDA. This is generally considered low.
How Well Does EGFEF Make Money?
Net Profit Margin
For every $100 in sales, Eurobank Ergasias Services and Holdings S.A. keeps $25.67 as profit after all expenses.
Operating Margin
Core operations generate 33.24 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.49 in profit for every $100 of shareholder equity.
ROA
Eurobank Ergasias Services and Holdings S.A. generates $1.31 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Eurobank Ergasias Services and Holdings S.A. generates strong operating cash flow of $1.14B, reflecting robust business health.
Free Cash Flow
Eurobank Ergasias Services and Holdings S.A. generates strong free cash flow of $930.96M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.25 in free cash annually.
FCF Yield
EGFEF converts 7.23% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.04
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-5.84
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.86
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.87
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How EGFEF Stacks Against Its Sector Peers
| Metric | EGFEF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.04 | 18.73 | Better (Cheaper) |
| ROE | 14.49% | 847.00% | Weak |
| Net Margin | 25.67% | 2562.00% | Weak |
| Debt/Equity | 1.19 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 1.31% | -21692.00% (disorted) | Weak |
EGFEF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Eurobank Ergasias Services and Holdings S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
58.12%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
931.01%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-6.25%
Industry Style: Value, Dividend, Cyclical
Declining