Erste Bank Polska (EBP) Stock Overview
Provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 2/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
EBP Community Fair Values
Create NarrativeSee what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Erste Bank Polska S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł638.80 |
| 52 Week High | zł667.40 |
| 52 Week Low | zł454.30 |
| Beta | 0.30 |
| 1 Month Change | 10.33% |
| 3 Month Change | 16.53% |
| 1 Year Change | 36.50% |
| 3 Year Change | 64.13% |
| 5 Year Change | 150.41% |
| Change since IPO | 1,403.06% |
Recent News & Updates
Narrative Update • Jun 04
EBP: Higher Discount Rate And Lower Future P/E Will Likely Cap Upside
Analysts have kept their PLN 490.00 price target for Erste Bank Polska steady, citing updated assumptions around the discount rate, revenue growth, profit margins and future P/E that continue to support this valuation range. What's in the News Santander Bank Polska S.A. announced an annual dividend of PLN 49.98 per share, with an ex date on May 12, 2026, a record date on May 13, 2026, and payment scheduled for May 20, 2026, according to a key developments update.
Narrative Update • May 21
EBP: Sector-Based Assumptions Will Shape Future Risk Reward Balance
Analysts have lifted their price target for Erste Bank Polska to PLN 635.87 from PLN 590.42, reflecting updated views on fair value, discount rate, revenue growth, profit margin and future P/E that are broadly consistent with recent sector research, such as the higher PLN price target cited for Santander Bank Polska. Analyst Commentary Analysts are looking at Erste Bank Polska through the lens of recent sector work, including the PLN 83 uplift in the price target for Santander Bank Polska at JPMorgan, and are using similar inputs when thinking about valuation and risk for Erste Bank Polska.Narrative Update • May 06
EBP: Sector Discount Rate Reset Will Likely Restrain Future Share Price Upside
Analysts kept the fair value for Erste Bank Polska steady at PLN 490.00, citing slightly adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E that are broadly in line with recent sector research, including the PLN 83 price target change at Santander Bank Polska. Analyst Commentary Recent commentary around Erste Bank Polska has kept the fair value steady at PLN 490.00, even as some inputs such as the discount rate, revenue growth, profit margin and future P/E have been tweaked to align more closely with sector research and the PLN 83 price target move at Santander Bank Polska reported by JPMorgan analyst Mehmet.Narrative Update • Apr 20
SPL: Higher Discount Rate Assumptions Will Likely Pressure Future Returns
Analysts have raised their price target on Santander Bank Polska by PLN 83 to PLN 590.42, reflecting updated fair value estimates based on revised assumptions for the discount rate, revenue growth, profit margin and future P/E. Analyst Commentary Bullish Takeaways Bullish analysts view the PLN 83 uplift to a PLN 590.42 target as consistent with updated fair value work that incorporates the latest assumptions on discount rates, revenue, margins and future P/E multiples.Recent updates
Narrative Update • Jun 04
EBP: Higher Discount Rate And Lower Future P/E Will Likely Cap Upside
Analysts have kept their PLN 490.00 price target for Erste Bank Polska steady, citing updated assumptions around the discount rate, revenue growth, profit margins and future P/E that continue to support this valuation range. What's in the News Santander Bank Polska S.A. announced an annual dividend of PLN 49.98 per share, with an ex date on May 12, 2026, a record date on May 13, 2026, and payment scheduled for May 20, 2026, according to a key developments update.Narrative Update • May 21
EBP: Sector-Based Assumptions Will Shape Future Risk Reward Balance
Analysts have lifted their price target for Erste Bank Polska to PLN 635.87 from PLN 590.42, reflecting updated views on fair value, discount rate, revenue growth, profit margin and future P/E that are broadly consistent with recent sector research, such as the higher PLN price target cited for Santander Bank Polska. Analyst Commentary Analysts are looking at Erste Bank Polska through the lens of recent sector work, including the PLN 83 uplift in the price target for Santander Bank Polska at JPMorgan, and are using similar inputs when thinking about valuation and risk for Erste Bank Polska.Narrative Update • May 06
EBP: Sector Discount Rate Reset Will Likely Restrain Future Share Price Upside
Analysts kept the fair value for Erste Bank Polska steady at PLN 490.00, citing slightly adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E that are broadly in line with recent sector research, including the PLN 83 price target change at Santander Bank Polska. Analyst Commentary Recent commentary around Erste Bank Polska has kept the fair value steady at PLN 490.00, even as some inputs such as the discount rate, revenue growth, profit margin and future P/E have been tweaked to align more closely with sector research and the PLN 83 price target move at Santander Bank Polska reported by JPMorgan analyst Mehmet.Narrative Update • Apr 20
SPL: Higher Discount Rate Assumptions Will Likely Pressure Future Returns
Analysts have raised their price target on Santander Bank Polska by PLN 83 to PLN 590.42, reflecting updated fair value estimates based on revised assumptions for the discount rate, revenue growth, profit margin and future P/E. Analyst Commentary Bullish Takeaways Bullish analysts view the PLN 83 uplift to a PLN 590.42 target as consistent with updated fair value work that incorporates the latest assumptions on discount rates, revenue, margins and future P/E multiples.Narrative Update • Apr 06
SPL: Discount Rate Assumptions Will Likely Cap Upside Despite Higher Target
Analysts have lifted their price target on Santander Bank Polska by PLN 83, citing updated assumptions on the discount rate, revenue growth, profit margin, and future P/E, which support a steady fair value of PLN 490. Analyst Commentary While the updated fair value of PLN 490 reflects revised assumptions on key inputs such as the discount rate and future P/E, not all commentary around Santander Bank Polska is upbeat.
Narrative Update • Mar 23
SPL: Future Dividend And Profitability Outlook Will Support Bullish Sentiment
Analysts have raised their price target for Santander Bank Polska from PLN 674 to PLN 733, citing updated assumptions for revenue growth, profit margins and future P/E that indicate a higher estimated fair value. What's in the News Santander Bank Polska announced an annual dividend of PLN 49.9800 per share, with payment scheduled for May 20, 2026, ex-date on May 12, 2026, and record date on May 13, 2026 (Key Developments).Narrative Update • Mar 08
SPL: Unchanged Fair Value Will Limit Upside Despite Minor Forecast Tweaks
Analysts have kept their PLN 490 price target for Santander Bank Polska unchanged, citing only very small adjustments to discount rate, revenue growth, profit margin and future P/E assumptions that do not materially alter their overall view. What's in the News Santander Bank Polska has scheduled a Special or Extraordinary Shareholders Meeting for January 22, 2026, at 14:00 Central European Standard Time, giving investors a clear date to watch for potential governance or capital structure decisions (Key Developments).Narrative Update • Feb 22
SPL: Higher Discount Rate And Lower Future P/E Will Pressure Returns
Analysts have kept their PLN 490 price target for Santander Bank Polska unchanged, citing adjusted assumptions for the discount rate, revenue growth, profit margin and future P/E ratio as the key factors behind the maintained view. What's in the News Santander Bank Polska has scheduled a Special and Extraordinary Shareholders Meeting for January 22, 2026, at 14:00 Central European Standard Time.Narrative Update • Feb 08
SPL: Future Meeting And Profitability Outlook Will Support Bullish Sentiment
Analysts have trimmed their price target for Santander Bank Polska after revising their fair value estimate to €674.14, reflecting updated assumptions on the discount rate, revenue growth, profit margins and future P/E expectations. What's in the News Santander Bank Polska has scheduled a Special or Extraordinary Shareholders Meeting for January 22, 2026, at 14:00 Central European Standard Time.Narrative Update • Jan 25
SPL: Weaker Long Term Outlook And Higher P/E Will Pressure Future Returns
Analysts have raised their price target on Santander Bank Polska from 440.0 to 490.0, citing updated assumptions for the discount rate, revenue growth, profit margin and forward P/E that they consider a better reflection of the bank's current risk and earnings profile. What's in the News Santander Bank Polska has scheduled a Special or Extraordinary Shareholders Meeting for January 22, 2026, at 14:00 Central European Standard Time, giving investors a key date to watch for potential corporate decisions that may influence the bank's capital structure or shareholder returns (Key Developments).Narrative Update • Jan 10
SPL: Weaker Long Term Revenue Outlook Will Weigh On Future Returns
Analysts have kept their price target for Santander Bank Polska unchanged at PLN 440.00, noting slightly adjusted assumptions on the discount rate, revenue growth and profit margin, along with a small revision to the forward P/E, as reasons for maintaining this level. What's in the News Santander Bank Polska has scheduled a Special or Extraordinary Shareholders Meeting for January 22, 2026, at 14:00 Central European Standard Time (Key Developments).Narrative Update • Dec 14
SPL: Higher Discount Rate Will Pressure Long Term Profit Outlook
Analysts have trimmed their price target on Santander Bank Polska from PLN 460 to PLN 440, reflecting slightly higher discount rate assumptions and somewhat lower long term profitability expectations, despite improved revenue trend forecasts. Valuation Changes Fair Value Estimate: lowered slightly from PLN 460 to PLN 440, indicating a modest reduction in the bank's assessed intrinsic value.Analysis Article • Nov 01
Santander Bank Polska S.A. Just Missed EPS By 8.5%: Here's What Analysts Think Will Happen Next
Santander Bank Polska S.A. ( WSE:SPL ) just released its latest third-quarter report and things are not looking great...Analysis Article • Aug 01
Santander Bank Polska S.A. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
As you might know, Santander Bank Polska S.A. ( WSE:SPL ) just kicked off its latest quarterly results with some very...
New Narrative • Nov 18
Digital Transformation And SME Success Propel Earnings Growth Amid Market Challenges
Digital transformation and customer engagement are expected to drive revenue growth and enhance net margins through cost reductions and increased digital users.Shareholder Returns
| EBP | PL Banks | PL Market | |
|---|---|---|---|
| 7D | 6.4% | 6.0% | 2.7% |
| 1Y | 36.5% | 47.3% | 32.5% |
Return vs Industry: EBP underperformed the Polish Banks industry which returned 39.1% over the past year.
Return vs Market: EBP exceeded the Polish Market which returned 27.9% over the past year.
Price Volatility
| EBP volatility | |
|---|---|
| EBP Average Weekly Movement | 5.1% |
| Banks Industry Average Movement | 4.8% |
| Market Average Movement | 5.4% |
| 10% most volatile stocks in PL Market | 11.1% |
| 10% least volatile stocks in PL Market | 3.1% |
Stable Share Price: EBP has not had significant price volatility in the past 3 months compared to the Polish market.
Volatility Over Time: EBP's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1857 | 10,144 | Michal Gajewski | www.erste.pl |
Erste Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. The company offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. It also provides consumer loans and home mortgages; mutual funds, including pension schemes and various investment programmes; and tourist/travel, motor, and home insurance products, as well as bancassurance products.
Erste Bank Polska S.A. Fundamentals Summary
| EBP fundamental statistics | |
|---|---|
| Market cap | zł65.28b |
| Earnings (TTM) | zł5.63b |
| Revenue (TTM) | zł15.45b |
11.6x
P/E Ratio1.8x
P/B RatioIs EBP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EBP income statement (TTM) | |
|---|---|
| Revenue | zł15.45b |
| Cost of Revenue | zł8.25m |
| Gross Profit | zł15.44b |
| Other Expenses | zł9.81b |
| Earnings | zł5.63b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 30, 2026
| Earnings per share (EPS) | 55.12 |
| Gross Margin | 99.95% |
| Net Profit Margin | 36.46% |
| Debt/Equity Ratio | 80.1% |
How did EBP perform over the long term?
See historical performance and comparisonDividends
7.8%
Current Dividend Yield91%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/12 19:09 |
| End of Day Share Price | 2026/06/12 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Erste Bank Polska S.A. is covered by 17 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Andreas Markou | Berenberg |
| Michal Konarski | Biuro maklerskie mBanku |
| Olga Veselova | BofA Global Research |