ABN AMRO BANK NV-CVA (AB2.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:AB2 • NL0011540547

31.13 EUR
+0.12 (+0.39%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

AB2 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. AB2 may be in some trouble as it scores bad on both profitability and health. AB2 is quite expensive at the moment. It does show a decent growth rate. AB2 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • AB2 had positive earnings in the past year.
  • AB2 had a negative operating cash flow in the past year.
  • Of the past 5 years AB2 4 years were profitable.
  • In multiple years AB2 reported negative operating cash flow during the last 5 years.
AB2.DE Yearly Net Income VS EBIT VS OCF VS FCFAB2.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B

1.2 Ratios

  • With a Return On Assets value of 0.52%, AB2 is not doing good in the industry: 67.54% of the companies in the same industry are doing better.
  • AB2 has a worse Return On Equity (7.80%) than 66.67% of its industry peers.
Industry RankSector Rank
ROA 0.52%
ROE 7.8%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)9.1%
ROE(5y)6.35%
ROIC(3y)N/A
ROIC(5y)N/A
AB2.DE Yearly ROA, ROE, ROICAB2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.73%, AB2 is in line with its industry, outperforming 45.61% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AB2 has grown nicely.
  • The Operating Margin and Gross Margin are not available for AB2 so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 22.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.79%
PM growth 5Y2.59%
GM growth 3YN/A
GM growth 5YN/A
AB2.DE Yearly Profit, Operating, Gross MarginsAB2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

  • AB2 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for AB2 has been reduced compared to 1 year ago.
  • AB2 has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for AB2 is higher compared to a year ago.
AB2.DE Yearly Shares OutstandingAB2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
AB2.DE Yearly Total Debt VS Total AssetsAB2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • A Debt/Equity ratio of 2.67 is on the high side and indicates that AB2 has dependencies on debt financing.
  • AB2 has a worse Debt to Equity ratio (2.67) than 68.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.67%
AB2.DE Yearly LT Debt VS Equity VS FCFAB2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AB2.DE Yearly Current Assets VS Current LiabilitesAB2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • AB2 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.29%.
  • Measured over the past 5 years, AB2 shows a small growth in Earnings Per Share. The EPS has been growing by 5.46% on average per year.
  • The Revenue has decreased by -0.70% in the past year.
  • Measured over the past years, AB2 shows a small growth in Revenue. The Revenue has been growing by 0.69% on average per year.
EPS 1Y (TTM)-14.29%
EPS 3Y30.68%
EPS 5Y5.46%
EPS Q2Q%-14.1%
Revenue 1Y (TTM)-0.7%
Revenue growth 3Y4.36%
Revenue growth 5Y0.69%
Sales Q2Q%-9.81%

3.2 Future

  • Based on estimates for the next years, AB2 will show a small growth in Earnings Per Share. The EPS will grow by 7.24% on average per year.
  • AB2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.44% yearly.
EPS Next Y-3.5%
EPS Next 2Y1.14%
EPS Next 3Y7.37%
EPS Next 5Y7.24%
Revenue Next Year-0.24%
Revenue Next 2Y2.84%
Revenue Next 3Y3.56%
Revenue Next 5Y2.44%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
AB2.DE Yearly Revenue VS EstimatesAB2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
AB2.DE Yearly EPS VS EstimatesAB2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.65, the valuation of AB2 can be described as correct.
  • Based on the Price/Earnings ratio, AB2 is valued a bit more expensive than 63.16% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, AB2 is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.27, which indicates a very decent valuation of AB2.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AB2.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. AB2 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.65
Fwd PE 11.27
AB2.DE Price Earnings VS Forward Price EarningsAB2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AB2.DE Per share dataAB2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.32
EPS Next 2Y1.14%
EPS Next 3Y7.37%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.20%, AB2 is a good candidate for dividend investing.
  • AB2's Dividend Yield is comparable with the industry average which is at 4.12.
  • AB2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.2%

5.2 History

  • The dividend of AB2 has a limited annual growth rate of 0.22%.
Dividend Growth(5Y)0.22%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • AB2 pays out 52.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of AB2 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP52.45%
EPS Next 2Y1.14%
EPS Next 3Y7.37%
AB2.DE Yearly Income VS Free CF VS DividendAB2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B
AB2.DE Dividend Payout.AB2.DE Dividend Payout, showing the Payout Ratio.AB2.DE Dividend Payout.PayoutRetained Earnings

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ABN AMRO BANK NV-CVA

FRA:AB2 (2/6/2026, 7:00:00 PM)

31.13

+0.12 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-12
Earnings (Next)02-11
Inst Owners50.26%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap18.59B
Revenue(TTM)9.35B
Net Income(TTM)2.15B
Analysts72
Price Target32.49 (4.37%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.2%
Yearly Dividend1.46
Dividend Growth(5Y)0.22%
DP52.45%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.19%
Min EPS beat(2)2.08%
Max EPS beat(2)2.3%
EPS beat(4)3
Avg EPS beat(4)6.3%
Min EPS beat(4)-2.93%
Max EPS beat(4)23.76%
EPS beat(8)7
Avg EPS beat(8)16.15%
EPS beat(12)11
Avg EPS beat(12)44.38%
EPS beat(16)15
Avg EPS beat(16)56%
Revenue beat(2)0
Avg Revenue beat(2)-2.01%
Min Revenue beat(2)-2.68%
Max Revenue beat(2)-1.33%
Revenue beat(4)2
Avg Revenue beat(4)3.71%
Min Revenue beat(4)-2.68%
Max Revenue beat(4)10.09%
Revenue beat(8)6
Avg Revenue beat(8)6.78%
Revenue beat(12)10
Avg Revenue beat(12)10.32%
Revenue beat(16)14
Avg Revenue beat(16)11.92%
PT rev (1m)1.25%
PT rev (3m)16.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.58%
EPS NY rev (3m)0.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 12.65
Fwd PE 11.27
P/S 1.97
P/FCF N/A
P/OCF N/A
P/B 0.68
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)2.46
EY7.9%
EPS(NY)2.76
Fwd EY8.87%
FCF(TTM)-2.26
FCFYN/A
OCF(TTM)-1.55
OCFYN/A
SpS15.8
BVpS46.03
TBVpS45.54
PEG (NY)N/A
PEG (5Y)2.32
Graham Number50.47
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 7.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.73%
GM N/A
FCFM N/A
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)9.1%
ROE(5y)6.35%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y20.79%
PM growth 5Y2.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 268.55%
Cap/Sales 4.53%
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
WACC9.67%
ROIC/WACCN/A
Cap/Depr(3y)169.11%
Cap/Depr(5y)137.34%
Cap/Sales(3y)3.36%
Cap/Sales(5y)3.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.29%
EPS 3Y30.68%
EPS 5Y5.46%
EPS Q2Q%-14.1%
EPS Next Y-3.5%
EPS Next 2Y1.14%
EPS Next 3Y7.37%
EPS Next 5Y7.24%
Revenue 1Y (TTM)-0.7%
Revenue growth 3Y4.36%
Revenue growth 5Y0.69%
Sales Q2Q%-9.81%
Revenue Next Year-0.24%
Revenue Next 2Y2.84%
Revenue Next 3Y3.56%
Revenue Next 5Y2.44%
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 1Y93.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y95.61%
OCF growth 3YN/A
OCF growth 5YN/A

ABN AMRO BANK NV-CVA / AB2.DE FAQ

What is the ChartMill fundamental rating of ABN AMRO BANK NV-CVA (AB2.DE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to AB2.DE.


What is the valuation status of ABN AMRO BANK NV-CVA (AB2.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to ABN AMRO BANK NV-CVA (AB2.DE). This can be considered as Overvalued.


What is the profitability of AB2 stock?

ABN AMRO BANK NV-CVA (AB2.DE) has a profitability rating of 2 / 10.


What is the financial health of ABN AMRO BANK NV-CVA (AB2.DE) stock?

The financial health rating of ABN AMRO BANK NV-CVA (AB2.DE) is 1 / 10.


How sustainable is the dividend of ABN AMRO BANK NV-CVA (AB2.DE) stock?

The dividend rating of ABN AMRO BANK NV-CVA (AB2.DE) is 7 / 10 and the dividend payout ratio is 52.45%.