Erste Bank Polska S.A. (EBP.WA) stock analysis

In our weekly check, Erste Bank Polska S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 4, red flags: 6.

About Erste Bank Polska S.A.

Erste Bank Polska S.A. is a Financial Services company (Banks - Regional), listed on WSE as EBP.WA.

What our checks show for EBP.WA

Red flags

• The gross margin fell by 3.8 points, to 92.4%: costs are rising faster than prices.
• Operating cash flow is only 0.21x net profit: part of the reported profit does not arrive as cash.
• The stock has fallen as much as 80% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.5 years.
• Thinly traded (about 73 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 2.6%.

Warning signs

• Revenue grew only 1% a year over the last 3 years.
• Free cash flow is only 3.6% of revenue.
• The dividend takes 86% of profit: little cushion if profit falls.

Strengths

• The net margin rose by 26 points over 5 years, to 37.9%.
• Analysts expect earnings per share to grow about 11.4% a year over the next years.
• Earnings per share grew 28.4% a year over the last 3 years.
• Net profit grew 28.4% a year over the last 3 years.
• The company keeps 37.9% of its revenue as net profit.
• A large company: market value $19.24 billion.

Next earnings report: 2026-10-30

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Questions

What grade does Erste Bank Polska S.A. (EBP.WA) have?

In our weekly check, Erste Bank Polska S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 4, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of EBP.WA stock?

This week's biggest flags for Erste Bank Polska S.A.: Gross margin falling, Profits not backed by cash, Deep past fall. In total 10 of 25 checks show a warning or a red flag.

What does Erste Bank Polska S.A. do?

Erste Bank Polska S.A. is a Financial Services company (Banks - Regional), listed on WSE as EBP.WA.

When does Erste Bank Polska S.A. report earnings next?

The next earnings report is expected on 2026-10-30. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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