0B2 Fundamental Analysis - BAWAG GROUP AG

Fundamental Rating

0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 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 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

In the past year 0B2 was profitable.

0B2 had a negative operating cash flow in the past year.

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

0B2 has a Return On Assets of 1.09%. This is in the better half of the industry: 0B2 outperforms 71.72% of its industry peers.

0B2 has a better Return On Equity (16.90%) than 87.88% 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

The Profit Margin of 0B2 (34.46%) is better than 85.86% of its industry peers.

0B2's Profit Margin has improved in the last couple of years.

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.

0B2 has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, 0B2 has an improved debt to assets ratio.

2.2 Solvency

0B2 has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.

0B2 has a worse Debt to Equity ratio (3.77) than 79.80% of its industry peers.

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

ROIC/WACCN/A

WACC8.23%

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.

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.

The Revenue has grown by 29.90% in the past year. This is a very strong growth!

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)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 8.91% on average over the next years. This is quite good.

The Revenue is expected to grow by 7.71% on average over the next years.

EPS Next Y14.42%

EPS Next 2Y14.39%

EPS Next 3Y14.42%

EPS Next 5Y8.91%

Revenue Next Year36.55%

Revenue Next 2Y20.31%

Revenue Next 3Y15.13%

Revenue Next 5Y7.71%

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

A Price/Earnings ratio of 10.09 indicates a reasonable valuation of 0B2.

0B2's Price/Earnings is on the same level as the industry average.

0B2 is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 8.40, the valuation of 0B2 can be described as very reasonable.

0B2's Price/Forward Earnings ratio is rather cheap when compared to the industry. 0B2 is cheaper than 83.84% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.94. 0B2 is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.09
Fwd PE	8.4

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 14.42% in the coming years.

PEG (NY)0.7

PEG (5Y)0.65

EPS Next 2Y14.39%

EPS Next 3Y14.42%

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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 4.86. 0B2 pays more dividend than 90.91% of the companies in the same industry.

0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		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.

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

DP54.31%

EPS Next 2Y14.39%

EPS Next 3Y14.42%

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BAWAG GROUP AG

FRA:0B2 (10/17/2025, 7:00:00 PM)

105.6

-6.3 (-5.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-22 2025-10-22

Inst Owners56.76%

Inst Owner ChangeN/A

Ins Owners0.52%

Ins Owner ChangeN/A

Market Cap8.13B

Analysts82.11

Price Target129.54 (22.67%)

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)-0.09%

PT rev (3m)7.25%

EPS NQ rev (1m)1.72%

EPS NQ rev (3m)0.79%

EPS NY rev (1m)0.97%

EPS NY rev (3m)0.4%

Revenue NQ rev (1m)0.79%

Revenue NQ rev (3m)-0.18%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.09%

Valuation

		Industry Rank	Sector Rank
PE	10.09
Fwd PE	8.4
P/S	3.52
P/FCF	N/A
P/OCF	N/A
P/B	1.73
P/tB	1.95
EV/EBITDA	N/A

EPS(TTM)10.47

EY9.91%

EPS(NY)12.57

Fwd EY11.91%

FCF(TTM)-8.48

FCFYN/A

OCF(TTM)-7.84

OCFYN/A

SpS29.98

BVpS61.14

TBVpS54.23

PEG (NY)0.7

PEG (5Y)0.65

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

WACC8.23%

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 Y14.42%

EPS Next 2Y14.39%

EPS Next 3Y14.42%

EPS Next 5Y8.91%

Revenue 1Y (TTM)29.9%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%39.98%

Revenue Next Year36.55%

Revenue Next 2Y20.31%

Revenue Next 3Y15.13%

Revenue Next 5Y7.71%

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-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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