0B2 Fundamental Analysis - BAWAG GROUP AG

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to 0B2. 0B2 was compared to 89 industry peers in the Banks industry. 0B2 has a medium profitability rating, but doesn't score so well on its financial health evaluation. 0B2 has a decent growth rate and is not valued too expensively. 0B2 also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

0B2 had positive earnings in the past year.

In the past year 0B2 has reported a negative cash flow from operations.

In the past 5 years 0B2 has always been profitable.

0B2 had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.09%, 0B2 is in the better half of the industry, outperforming 73.03% of the companies in the same industry.

The Return On Equity of 0B2 (16.90%) is better than 89.89% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.09%
ROE	16.9%
ROIC	N/A

ROA(3y)0.91%

ROA(5y)0.81%

ROE(3y)12.92%

ROE(5y)11.08%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 34.46%, 0B2 belongs to the top of the industry, outperforming 84.27% of the companies in the same industry.

In the last couple of years the Profit Margin of 0B2 has grown nicely.

The Operating Margin and Gross Margin are not available for 0B2 so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.46%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y9.26%

PM growth 5Y4.48%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

0B2 does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, 0B2 has about the same amount of shares outstanding.

The number of shares outstanding for 0B2 has been reduced compared to 5 years ago.

The debt/assets ratio for 0B2 has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 3.77 is on the high side and indicates that 0B2 has dependencies on debt financing.

0B2's Debt to Equity ratio of 3.77 is on the low side compared to the rest of the industry. 0B2 is outperformed by 78.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.05%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.93% over the past year.

0B2 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.63% yearly.

Looking at the last year, 0B2 shows a very strong growth in Revenue. The Revenue has grown by 29.90%.

The Revenue has been growing slightly by 5.95% on average over the past years.

EPS 1Y (TTM)19.93%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%19.37%

Revenue 1Y (TTM)29.9%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%39.98%

3.2 Future

The Earnings Per Share is expected to grow by 9.01% on average over the next years. This is quite good.

Based on estimates for the next years, 0B2 will show a small growth in Revenue. The Revenue will grow by 7.81% on average per year.

EPS Next Y13.32%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

EPS Next 5Y9.01%

Revenue Next Year36.43%

Revenue Next 2Y20.24%

Revenue Next 3Y15.11%

Revenue Next 5Y7.81%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.70, which indicates a very decent valuation of 0B2.

Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a slightly more expensive valuation: 0B2 is more expensive than 62.92% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.43. 0B2 is valued rather cheaply when compared to this.

0B2 is valuated reasonably with a Price/Forward Earnings ratio of 8.98.

Based on the Price/Forward Earnings ratio, 0B2 is valued a bit cheaper than 76.40% of the companies in the same industry.

0B2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	8.98

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as 0B2's earnings are expected to grow with 14.30% in the coming years.

PEG (NY)0.8

PEG (5Y)0.68

EPS Next 2Y13.91%

EPS Next 3Y14.3%

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5. Dividend

5.1 Amount

0B2 has a Yearly Dividend Yield of 7.76%, which is a nice return.

0B2's Dividend Yield is rather good when compared to the industry average which is at 5.09. 0B2 pays more dividend than 93.26% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, 0B2 pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.76%

5.2 History

The dividend of 0B2 is nicely growing with an annual growth rate of 16.72%!

Dividend Growth(5Y)16.72%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

54.31% of the earnings are spent on dividend by 0B2. This is a bit on the high side, but may be sustainable.

The dividend of 0B2 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP54.31%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

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BAWAG GROUP AG

FRA:0B2 (9/11/2025, 7:00:00 PM)

112

+0.3 (+0.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-27 2025-10-27

Inst Owners52.24%

Inst Owner ChangeN/A

Ins Owners0.52%

Ins Owner ChangeN/A

Market Cap8.80B

Analysts81.05

Price Target127.9 (14.2%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend5.01

Dividend Growth(5Y)16.72%

DP54.31%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1.75%

Min EPS beat(2)-6.89%

Max EPS beat(2)3.4%

EPS beat(4)3

Avg EPS beat(4)4.46%

Min EPS beat(4)-6.89%

Max EPS beat(4)19%

EPS beat(8)6

Avg EPS beat(8)2.35%

EPS beat(12)7

Avg EPS beat(12)0.7%

EPS beat(16)11

Avg EPS beat(16)2.61%

Revenue beat(2)0

Avg Revenue beat(2)-3.56%

Min Revenue beat(2)-4.74%

Max Revenue beat(2)-2.37%

Revenue beat(4)0

Avg Revenue beat(4)-3.34%

Min Revenue beat(4)-4.74%

Max Revenue beat(4)-2.37%

Revenue beat(8)0

Avg Revenue beat(8)-2.93%

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)5.89%

PT rev (3m)5.98%

EPS NQ rev (1m)0%

EPS NQ rev (3m)9.24%

EPS NY rev (1m)-0.57%

EPS NY rev (3m)-0.57%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)17.11%

Revenue NY rev (1m)-0.22%

Revenue NY rev (3m)-0.18%

Valuation

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	8.98
P/S	3.81
P/FCF	N/A
P/OCF	N/A
P/B	1.87
P/tB	2.11
EV/EBITDA	N/A

EPS(TTM)10.47

EY9.35%

EPS(NY)12.47

Fwd EY11.13%

FCF(TTM)-8.31

FCFYN/A

OCF(TTM)-7.68

OCFYN/A

SpS29.37

BVpS59.9

TBVpS53.13

PEG (NY)0.8

PEG (5Y)0.68

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	16.9%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.46%
GM	N/A
FCFM	N/A

ROA(3y)0.91%

ROA(5y)0.81%

ROE(3y)12.92%

ROE(5y)11.08%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y9.26%

PM growth 5Y4.48%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.77
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	35.77%
Cap/Sales	2.12%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score2

WACC8.05%

ROIC/WACCN/A

Cap/Depr(3y)23.53%

Cap/Depr(5y)26.39%

Cap/Sales(3y)2.75%

Cap/Sales(5y)2.49%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)19.93%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%19.37%

EPS Next Y13.32%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

EPS Next 5Y9.01%

Revenue 1Y (TTM)29.9%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%39.98%

Revenue Next Year36.43%

Revenue Next 2Y20.24%

Revenue Next 3Y15.11%

Revenue Next 5Y7.81%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-151.06%

FCF growth 3Y64.09%

FCF growth 5YN/A

OCF growth 1Y-145.72%

OCF growth 3Y58.57%

OCF growth 5YN/A

BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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