Eurobank S.A. (ATH:EUROB)
Greece · Delayed Price · Currency is EUR 4.484
-0.223 (-4.74%)
Nov 6, 2026, 5:19 PM EET
Eurobank Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 1,490 | 1,362 | 1,448 | 1,140 | 1,347 | 328 |
Depreciation & Amortization | 152 | 152 | 135 | 120 | 117 | 114 |
Gain (Loss) on Sale of Assets | - | - | - | - | -325 | - |
Gain (Loss) on Sale of Investments | -188 | -183 | -202.5 | -182 | 7 | -71 |
Total Asset Writedown | 13 | -5 | 31 | 94 | 49 | 18 |
Provision for Credit Losses | 326 | 379 | 303 | 412 | 276 | 490 |
Change in Trading Asset Securities | -142 | -242 | 125 | -260 | - | -32 |
Change in Other Net Operating Assets | -4,022 | -2,801 | -7,998 | -5,714 | -3,125 | 1,894 |
Other Operating Activities | 244 | 129 | 281.5 | 381 | 422 | 109 |
Net Cash from Discontinued Operations | - | - | - | 148 | 93 | - |
Operating Cash Flow | -2,091 | -1,194 | -5,870 | -3,912 | -1,050 | 2,875 |
Operating Cash Flow Growth | - | - | - | - | - | 132.42% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -323 | -278 | -197 | -140 | -153 | -129 |
Sale of Property, Plant and Equipment | 16 | 24 | 42 | 33 | 121 | 35 |
Cash Acquisitions | -76 | -210 | 5,500 | -440 | - | 121 |
Investment in Securities | -4,821 | -2,523 | -2,091 | -1,357 | -2,924 | -2,747 |
Income (Loss) Equity Investments | -45 | -47 | -161 | -88 | - | - |
Divestitures | 17 | 12 | 11 | -425 | 281 | 1 |
Other Investing Activities | 9 | 8 | 20 | 59 | 18 | 21 |
Investing Cash Flow | -5,178 | -2,967 | 3,285 | -2,270 | -2,657 | -2,698 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 266 | 1,860 | 1,048 | 1,059 | 986 |
Long-Term Debt Repaid | - | -39 | -38 | -40 | -37 | -34 |
Lease Payments | -39 | -39 | -38 | -40 | -37 | -34 |
Net Debt Issued (Repaid) | 1,683 | 227 | 1,822 | 1,008 | 1,022 | 952 |
Issuance of Common Stock | 595 | 1,090 | 8 | - | 1 | 1 |
Repurchase of Common Stock | -256 | -182 | - | -99 | - | - |
Common Dividends Paid | -480 | -573 | -342 | - | - | - |
Total Dividends Paid | -480 | -573 | -342 | - | - | - |
Net Increase (Decrease) in Deposit Accounts | 8,188 | 4,112 | 6,166 | 1,730 | 3,925 | 5,338 |
Other Financing Activities | -7 | -892 | -6 | -1 | -3 | - |
Financing Cash Flow | 9,723 | 3,782 | 7,648 | 2,638 | 4,945 | 6,291 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | - | - | - | 1 | 1 | - |
Net Cash Flow | 2,454 | -379 | 5,063 | -3,543 | 1,239 | 6,468 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -2,414 | -1,472 | -6,067 | -4,052 | -1,203 | 2,746 |
Free Cash Flow Growth | - | - | - | - | - | 187.24% |
Free Cash Flow Margin | -72.95% | -48.81% | -201.29% | -161.69% | -44.28% | 198.99% |
Free Cash Flow Per Share | -0.67 | -0.40 | -1.65 | -1.09 | -0.32 | 0.74 |
Free Cash Flow After Leases | -2,453 | -1,511 | -6,105 | -4,092 | -1,240 | 2,712 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Income Tax Paid | 139 | 172 | 120 | 64 | 45 | 33 |