BAWAG GROUP AG(FRA:0B2) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to 0B2. 0B2 was compared to 95 industry peers in the Banks industry. While 0B2 is still in line with the averages on profitability rating, there are concerns on its financial health. 0B2 is not valued too expensively and it also shows a decent growth rate. Finally 0B2 also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year 0B2 was profitable.

In the past year 0B2 had a positive cash flow from operations.

0B2 had positive earnings in each of the past 5 years.

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 1.03%, 0B2 is in the better half of the industry, outperforming 71.58% of the companies in the same industry.

The Return On Equity of 0B2 (15.59%) is better than 82.11% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.03%
ROE	15.59%
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

0B2 has a Profit Margin of 37.12%. This is amongst the best in the industry. 0B2 outperforms 89.47% of its industry peers.

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)	37.12%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for 0B2 remains at a similar level compared to 1 year ago.

Compared to 5 years ago, 0B2 has less shares outstanding

0B2 has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of 0B2 is 14.48, which is on the high side as it means it would take 0B2, 14.48 years of fcf income to pay off all of its debts.

0B2 has a better Debt to FCF ratio (14.48) than 83.16% of its industry peers.

A Debt/Equity ratio of 3.65 is on the high side and indicates that 0B2 has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 3.65, 0B2 is doing worse than 78.95% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	3.65
Debt/FCF	14.48
Altman-Z	N/A

ROIC/WACCN/A

WACC8.2%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.06% over the past year.

Measured over the past years, 0B2 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.63% on average per year.

0B2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.47%.

Measured over the past years, 0B2 shows a small growth in Revenue. The Revenue has been growing by 5.95% on average per year.

EPS 1Y (TTM)16.06%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%40.93%

Revenue 1Y (TTM)14.47%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%14.11%

3.2 Future

The Earnings Per Share is expected to grow by 4.88% on average over the next years.

0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.71% yearly.

EPS Next Y13.97%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

EPS Next 5Y4.88%

Revenue Next Year36.31%

Revenue Next 2Y20.11%

Revenue Next 3Y14.98%

Revenue Next 5Y4.71%

3.3 Evolution

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

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

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.38, which indicates a very decent valuation of 0B2.

63.16% of the companies in the same industry are cheaper than 0B2, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 24.21, 0B2 is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 9.11, the valuation of 0B2 can be described as reasonable.

0B2's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of 0B2 to the average of the S&P500 Index (20.44), we can say 0B2 is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.38
Fwd PE	9.11

4.2 Price Multiples

0B2's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 0B2 is cheaper than 81.05% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.57
EV/EBITDA	N/A

4.3 Compensation for Growth

0B2's 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 14.40% in the coming years.

PEG (NY)0.74

PEG (5Y)0.66

EPS Next 2Y14.24%

EPS Next 3Y14.4%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.76%, 0B2 is a good candidate for dividend investing.

0B2's Dividend Yield is rather good when compared to the industry average which is at 5.21. 0B2 pays more dividend than 90.53% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.42, 0B2 pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.76%

5.2 History

On average, the dividend of 0B2 grows each year by 16.72%, which is quite nice.

Dividend Growth(5Y)16.72%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

0B2 pays out 53.25% of its income as dividend. This is a bit on the high side, but may be sustainable.

0B2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP53.25%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BAWAG GROUP AG

FRA:0B2 (5/9/2025, 7:00:00 PM)

99.75

+0.4 (+0.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29

Earnings (Next)07-31 2025-07-31

Inst Owners56.01%

Inst Owner ChangeN/A

Ins Owners0.52%

Ins Owner ChangeN/A

Market Cap7.84B

Analysts83

Price Target116.24 (16.53%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend5.01

Dividend Growth(5Y)16.72%

DP53.25%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.66%

Min EPS beat(2)2.32%

Max EPS beat(2)19%

EPS beat(4)4

Avg EPS beat(4)5.56%

Min EPS beat(4)0.02%

Max EPS beat(4)19%

EPS beat(8)6

Avg EPS beat(8)3%

EPS beat(12)8

Avg EPS beat(12)1.52%

EPS beat(16)12

Avg EPS beat(16)4.27%

Revenue beat(2)0

Avg Revenue beat(2)-3.12%

Min Revenue beat(2)-3.68%

Max Revenue beat(2)-2.55%

Revenue beat(4)0

Avg Revenue beat(4)-2.67%

Min Revenue beat(4)-3.68%

Max Revenue beat(4)-1.9%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

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)4.3%

PT rev (3m)20.37%

EPS NQ rev (1m)-10%

EPS NQ rev (3m)-1.45%

EPS NY rev (1m)-0.53%

EPS NY rev (3m)3.07%

Revenue NQ rev (1m)-0.65%

Revenue NQ rev (3m)11.66%

Revenue NY rev (1m)3.1%

Revenue NY rev (3m)9.5%

Valuation

		Industry Rank	Sector Rank
PE	10.38
Fwd PE	9.11
P/S	3.94
P/FCF	6.57
P/OCF	6.3
P/B	1.66
P/tB	1.87
EV/EBITDA	N/A

EPS(TTM)9.61

EY9.63%

EPS(NY)10.95

Fwd EY10.98%

FCF(TTM)15.18

FCFY15.22%

OCF(TTM)15.83

OCFY15.87%

SpS25.3

BVpS60.22

TBVpS53.45

PEG (NY)0.74

PEG (5Y)0.66

Profitability

		Industry Rank	Sector Rank
ROA	1.03%
ROE	15.59%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	37.12%
GM	N/A
FCFM	60%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.65
Debt/FCF	14.48
Debt/EBITDA	N/A
Cap/Depr	37.23%
Cap/Sales	2.57%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	161.65%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC8.2%

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)16.06%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%40.93%

EPS Next Y13.97%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

EPS Next 5Y4.88%

Revenue 1Y (TTM)14.47%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%14.11%

Revenue Next Year36.31%

Revenue Next 2Y20.11%

Revenue Next 3Y14.98%

Revenue Next 5Y4.71%

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-2.69%

FCF growth 3Y64.09%

FCF growth 5YN/A

OCF growth 1Y-1.11%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens