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

FRA:0B2 - Deutsche Boerse Ag - AT0000BAWAG2 - Common Stock - Currency: EUR

110  +0.5 (+0.46%)

Fundamental Rating

4

0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 91 industry peers in the Banks industry. There are concerns on the financial health of 0B2 while its profitability can be described as average. 0B2 has a correct valuation and a medium growth rate. 0B2 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

0B2 had positive earnings in the past year.
In the past year 0B2 had a positive cash flow from operations.
Each year in the past 5 years 0B2 has been profitable.
Of the past 5 years 0B2 4 years had a positive operating cash flow.
0B2.DE Yearly Net Income VS EBIT VS OCF VS FCF0B2.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B

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 69.23% of the companies in the same industry.
0B2 has a better Return On Equity (15.59%) than 82.42% of its industry peers.
Industry RankSector 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
0B2.DE Yearly ROA, ROE, ROIC0B2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

0B2 has a Profit Margin of 37.12%. This is amongst the best in the industry. 0B2 outperforms 89.01% of its industry peers.
In the last couple of years the Profit Margin of 0B2 has grown nicely.
0B2 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
0B2.DE Yearly Profit, Operating, Gross Margins0B2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

3

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.
The number of shares outstanding for 0B2 has been reduced compared to 5 years ago.
0B2 has a better debt/assets ratio than last year.
0B2.DE Yearly Shares Outstanding0B2.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
0B2.DE Yearly Total Debt VS Total Assets0B2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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 84.62% of its industry peers.
0B2 has a Debt/Equity ratio of 3.65. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.65, 0B2 is not doing good in the industry: 79.12% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF 14.48
Altman-Z N/A
ROIC/WACCN/A
WACC8.01%
0B2.DE Yearly LT Debt VS Equity VS FCF0B2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
0B2.DE Yearly Current Assets VS Current Liabilites0B2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

4

3. Growth

3.1 Past

0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.40%, which is quite good.
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 quite strong growth in Revenue. The Revenue has grown by 11.07% in the last year.
0B2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.95% yearly.
EPS 1Y (TTM)15.4%
EPS 3Y21.26%
EPS 5Y15.63%
EPS Q2Q%20.38%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%36.15%

3.2 Future

0B2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.12% yearly.
0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.94% yearly.
EPS Next Y13.97%
EPS Next 2Y14.24%
EPS Next 3Y14.4%
EPS Next 5Y4.12%
Revenue Next Year36.67%
Revenue Next 2Y20.09%
Revenue Next 3Y14.96%
Revenue Next 5Y3.94%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
0B2.DE Yearly Revenue VS Estimates0B2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
0B2.DE Yearly EPS VS Estimates0B2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.96, the valuation of 0B2 can be described as reasonable.
0B2's Price/Earnings ratio is a bit more expensive when compared to the industry. 0B2 is more expensive than 67.03% of the companies in the same industry.
0B2 is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.77 indicates a reasonable valuation of 0B2.
Based on the Price/Forward Earnings ratio, 0B2 is valued a bit cheaper than 70.33% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, 0B2 is valued rather cheaply.
Industry RankSector Rank
PE 10.96
Fwd PE 8.77
0B2.DE Price Earnings VS Forward Price Earnings0B2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of 0B2 indicates a rather cheap valuation: 0B2 is cheaper than 81.32% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.25
EV/EBITDA N/A
0B2.DE Per share data0B2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 14.40% in the coming years.
PEG (NY)0.78
PEG (5Y)0.7
EPS Next 2Y14.24%
EPS Next 3Y14.4%

7

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 5.19. 0B2 pays more dividend than 92.31% of the companies in the same industry.
0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector 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 Years3
Div Non Decr Years3
0B2.DE Yearly Dividends per share0B2.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

53.25% 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.
DP53.25%
EPS Next 2Y14.24%
EPS Next 3Y14.4%
0B2.DE Yearly Income VS Free CF VS Dividend0B2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B
0B2.DE Dividend Payout.0B2.DE Dividend Payout, showing the Payout Ratio.0B2.DE Dividend Payout.PayoutRetained Earnings

BAWAG GROUP AG

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

110

+0.5 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-31 2025-07-31
Inst Owners52.24%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap8.65B
Analysts83.16
Price Target120.79 (9.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend5.01
Dividend Growth(5Y)16.72%
DP53.25%
Div Incr Years3
Div Non Decr Years3
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)0.09%
PT rev (3m)4.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.38%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 8.77
P/S 4.35
P/FCF 7.25
P/OCF 6.95
P/B 1.83
P/tB 2.06
EV/EBITDA N/A
EPS(TTM)10.04
EY9.13%
EPS(NY)12.54
Fwd EY11.4%
FCF(TTM)15.18
FCFY13.8%
OCF(TTM)15.83
OCFY14.39%
SpS25.3
BVpS60.22
TBVpS53.45
PEG (NY)0.78
PEG (5Y)0.7
Profitability
Industry RankSector 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 RankSector 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
WACC8.01%
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)15.4%
EPS 3Y21.26%
EPS 5Y15.63%
EPS Q2Q%20.38%
EPS Next Y13.97%
EPS Next 2Y14.24%
EPS Next 3Y14.4%
EPS Next 5Y4.12%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%36.15%
Revenue Next Year36.67%
Revenue Next 2Y20.09%
Revenue Next 3Y14.96%
Revenue Next 5Y3.94%
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