EUROB (Eurobank Ergasias Services and Holdings SA) vs DAX Index Comparison

EUROB

DAX Index

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EUROB

DAX Index

Difference

1Y 3Y 5Y 10Y 15Y 20Y

EUROB

DAX Index

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Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

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DAX Index

EUROB

JPM

BAC

601398

601288

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1Y 3Y 5Y 10Y 15Y 20Y

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

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Eurobank Ergasias Services and Holdings SA
Glance View

Market Cap

8.6B EUR

Industry

Banking

Eurobank Ergasias Services and Holdings SA, a prominent name in the banking sector, is a financial institution deeply rooted in Greece's evolving economic landscape. Emerging from the ashes of the financial crises that shook Europe, Eurobank has established a strong foothold not just within Greek borders but across a network that spans multiple countries in Southeastern Europe. The bank specializes in various segments, including retail, corporate, and private banking, along with asset management services. Its DNA reflects resilience and adaptability as it serves a diverse clientele ranging from individuals to multinational corporations. Eurobank's expertise in structuring robust financial products and services tailors to meet varied customer needs, whether it’s through daily banking operations, strategic investments, or complex financing solutions. Eurobank makes money primarily through its core banking operations, which involve generating interest from loans and mortgages, earning fees from various banking products, and making investments. The bank benefits from a wide-reaching clientele base, allowing it to diversify its income streams across different demographics and geographical areas. Additionally, by focusing on relationship-building with its clients, Eurobank has been able to leverage its customer insights to drive innovative product offerings and enhance its wealth management capabilities. This strategic agility, combined with a focus on technology and customer service excellence, fortifies Eurobank’s position in a competitive market, positioning it as a key player in fostering economic growth in the regions it serves.

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EUROB Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

US		JPMorgan Chase & Co NYSE:JPM	Add
ZA	A	Absa Bank Ltd JSE:ABSP	Add
ZA	S	Standard Bank Group Ltd JSE:SBK	Add
ZA	C	Capitec Bank Holdings Ltd JSE:CPI	Add
US		Bank of America Corp NYSE:BAC	Add
CN		Industrial and Commercial Bank of China Ltd SSE:601398	Add
CN		Agricultural Bank of China Ltd SSE:601288	Add
US		Wells Fargo & Co NYSE:WFC	Add
CN		Bank of China Ltd SSE:601988	Add
CN		China Construction Bank Corp SSE:601939	Add

US		JPMorgan Chase & Co NYSE:JPM	Select
ZA	A	Absa Bank Ltd JSE:ABSP	Select
ZA	S	Standard Bank Group Ltd JSE:SBK	Select
ZA	C	Capitec Bank Holdings Ltd JSE:CPI	Select
US		Bank of America Corp NYSE:BAC	Select
CN		Industrial and Commercial Bank of China Ltd SSE:601398	Select
CN		Agricultural Bank of China Ltd SSE:601288	Select
US		Wells Fargo & Co NYSE:WFC	Select
CN		Bank of China Ltd SSE:601988	Select
CN		China Construction Bank Corp SSE:601939	Select

US		JPMorgan Chase & Co NYSE:JPM	Add
ZA	A	Absa Bank Ltd JSE:ABSP	Add
ZA	S	Standard Bank Group Ltd JSE:SBK	Add
ZA	C	Capitec Bank Holdings Ltd JSE:CPI	Add
US		Bank of America Corp NYSE:BAC	Add
CN		Industrial and Commercial Bank of China Ltd SSE:601398	Add
CN		Agricultural Bank of China Ltd SSE:601288	Add
US		Wells Fargo & Co NYSE:WFC	Add
CN		Bank of China Ltd SSE:601988	Add
CN		China Construction Bank Corp SSE:601939	Add

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IN		Jio Financial Services Ltd NSE:JIOFIN	Add

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EUROB

vs

DAX Index

Stocks Performance
EUROB vs DAX Index

Performance Gap
EUROB vs DAX Index

Performance By Year
EUROB vs DAX Index

Competitors Performance
Eurobank Ergasias Services and Holdings SA vs Peers

Eurobank Ergasias Services and Holdings SA
Glance View

Company

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EUROB vs DAX Index

Stocks Performance EUROB vs DAX Index

Performance Gap EUROB vs DAX Index

Performance By Year EUROB vs DAX Index

Competitors Performance Eurobank Ergasias Services and Holdings SA vs Peers

Eurobank Ergasias Services and Holdings SA Glance View

Company

Help

Tools

Stocks

EUROB

vs

DAX Index

Stocks Performance
EUROB vs DAX Index

Performance Gap
EUROB vs DAX Index

Performance By Year
EUROB vs DAX Index

Competitors Performance
Eurobank Ergasias Services and Holdings SA vs Peers

Eurobank Ergasias Services and Holdings SA
Glance View