Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/BZI stock hub

FRA/BZI has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

14.8B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/BZI

In the news

Latest news · FRA/BZI

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11

P25 n/aP50 n/aP75 n/a

Trailing P/E11

P25 n/aP50 n/aP75 n/a

ROE16.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/BZI market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

170

Groups with data

Currency

PLN

Showing 170 of 170 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Poland
Country code	DE
Employees	10,144
Employees Change	-1,142%
Employees Change Percent	-10.12
Exchange	Frankfurt Stock Exchange
Financial currency	PLN
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 14.8B
Price	EUR 146
Price currency	EUR
Rev Per Employee	354,540.46x
Sic	6020
Symbol	fra/BZI
Website	https://www.erste.pl

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.08%
FCF yield	-7.18%
Forward P/E	10.99x
P/B ratio	1.78x
P/E ratio	11.02x
P/S ratio	4.12x
PE Ratio10 Y	14.24x
PE Ratio3 Y	9.74x
PE Ratio5 Y	13.13x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 3.6B
Net Income	EUR 1.3B
Net Income Growth	7.27%
Net Income Growth Q	-40.72%
Net Income Growth3 Y	23.95%
Net Income Growth5 Y	41.49%
Pretax Margin	50.88%
Profit Margin	37.37%
Profit Per Employee	EUR 132,477
ROA	1.9
Roa5y	1.5
ROE	16.26
Roe5y	13.06

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	13.61%
Cagr1y	25.58%
Cagr3y	36.3%
Cagr5y	31.32%
Div CAGR10	14%
Div CAGR3	118.09%
Div CAGR5	18.98%
EPS Growth	8.86
EPS Growth Q	-40.68
EPS Growth3 Y	23.96
EPS Growth5 Y	41.47
Revenue Growth	-5.36x
Revenue Growth Q	0.36x
Revenue Growth3 Y	8.78x
Revenue Growth5 Y	17.82x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 70.9B
Cash	EUR 6.4B
Debt	EUR 6.8B
Debt FCF	EUR -6.38
Equity	EUR 8.3B
Liabilities	EUR 62.5B
Net Cash	EUR -372.4M
Net Cash By Market Cap	EUR -2.52
Net Debt Equity	EUR 0.04
Tangible Book Value	EUR 7.7B
Tangible Book Value Per Share	EUR 75.21

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -49.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.46%
Dividend Growth	-30.71%
Dividend Growth Years	4%
Dividend per share	EUR 10.95
Dividend Years	5
Dividend Yield	7.49%
Ex Div Date	2025-05-12
Last Dividend	EUR 10.95
Payout Frequency	Annual
Payout Ratio	82.08%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	258.25%
1Y total return	25.56%
200-day SMA	127.6
3Y total return	153.24%
50-day SMA	140.8
50-day SMA vs 200-day SMA	50over200
5Y total return	290.45%
All Time High	158.1
All Time High Change	-7.47%
All Time High Date	2026-04-20
All Time Low	25.46
All Time Low Change	474.43%
All Time Low Date	2020-11-02
ATR	2.95
Ch YTD	14.26
High	150.8
High52	158.1
High52 Date	2026-04-20
High52ch	-7.47%
Low	145.8
Low52	106.3
Low52 Date	2025-06-24
Low52ch	37.65%
Ma50ch	3.87%
Price vs 200-day SMA	14.58%
RSI	50.47
RSI Monthly	63.22
RSI Weekly	60.34
Sharpe ratio	0.6x
Sortino ratio	1.1
Total Return	8.95%
Tr YTD	14.26
Tr1m	1.78%
Tr1w	0.21%
Tr3m	6.67%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 2.2B
Operating margin	61.07

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	42,122,074%
Net Borrowing	697,016,297.2
Shares Institutions	29.06%
Shares Qo Q	-0.03%
Shares Yo Y	-1.46%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -1.1B
Average Volume	38.2x
Bv Per Share	81.31
CAPEX	EUR -146.8M
Ch10y	161.5
Ch1m	1.78
Ch1w	0.21
Ch1y	15.07
Ch3m	6.67
Ch3y	103.5
Ch5y	208.3
Ch6m	20.97
Change	-2.14%
Change From Open	0.03
Close	149.5
Days Gap	-2.17
Dollar Volume	47,677.5
Earnings Date	2026-04-30
EPS	EUR 13.15
F Score	2
FCF	EUR -1.1B
Financing CF	608,250,177
Fiscal Year End	December
Founded	1,857
Goodwill	398,224,813.1
Graham Number	156.7705
Graham Upside	7.19
Income Tax	EUR 460.5M
Investing CF	-1,658,005,189
Is Primary Listing	0
Last Earnings Date	2026-04-30
Last Report Date	2026-03-31
Lynch Fair Value	EUR 332
Lynch Upside	126.9
Ma150	129.7
Ma150ch	12.72%
Ma20	150.1
Ma20ch	-2.55%
Net CF	-1,966,779,093
Next Earnings Date	2026-07-30
Open	146.2
Payment Date	2025-05-20
Position In Range	9.09
Ppne	300,405,358.3
Price Date	2026-05-08
Ptbv Ratio	1.93
Relative Volume	8.1x
Revenue	3,596,458,415x
Tax By Revenue	12.8x
Tax Rate	25.16%
Tr6m	20.97%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/BZI dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+7.5%

$10.9 annual per share

Payout ratio

+82.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+19.0%

4 consecutive years of growth

Total shareholder yield

+8.9%

Next ex-dividend date: 2025-05-12

Performance

FRA/BZI stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/BZI?

Insider, institutional, and short-interest positioning.

Institutional ownership

+29.1%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-1.5%

Negative means the company is buying back shares.

Technical

FRA/BZI momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

50.5

Neutral momentum band

Price vs 200-day MA

+14.6%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.60

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/BZI

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/BZI stock rating?

fra/BZI is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/BZI analysis?

The full report lives at /stocks/fra/BZI/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/BZI?

The latest report frames fra/BZI around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/BZI page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.