ABN AMRO BANK NV-CVA (AB2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AB2 - NL0011540547
30.15 EUR
+0.75 (+2.55%)
Taking everything into account, AB2 scores 2 out of 10 in our fundamental rating. AB2 was compared to 102 industry peers in the Banks industry. AB2 may be in some trouble as it scores bad on both profitability and health. AB2 does not seem to be growing, but still is valued expensively. Finally AB2 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
AB2 had positive earnings in the past year.
In the past year AB2 has reported a negative cash flow from operations.
AB2 had positive earnings in 4 of the past 5 years.
In multiple years AB2 reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of AB2 (0.52%) is worse than 65.79% of its industry peers.
AB2 has a worse Return On Equity (7.80%) than 65.79% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
AB2 has a Profit Margin of 22.73%. This is comparable to the rest of the industry: AB2 outperforms 49.12% of its industry peers.
In the last couple of years the Profit Margin of AB2 has grown nicely.
AB2 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.73% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.68%
PM growth 5Y4.95%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AB2 does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AB2 has less shares outstanding
Compared to 5 years ago, AB2 has less shares outstanding
The debt/assets ratio for AB2 is higher compared to a year ago.
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 Debt to Equity ratio of 2.67. This is in the lower half of the industry: AB2 underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.67 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AB2 have decreased strongly by -14.29% in the last year.
AB2 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.46% yearly.
AB2 shows a small growth in Revenue. In the last year, the Revenue has grown by 2.67%.
Measured over the past years, AB2 shows a decrease in Revenue. The Revenue has been decreasing by -1.59% on average per year.
EPS 1Y (TTM)-14.29%
EPS 3Y30.68%
EPS 5Y5.46%
EPS Q2Q%-14.1%
Revenue 1Y (TTM)2.67%
Revenue growth 3Y-0.5%
Revenue growth 5Y-1.59%
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 7.10% on average per year.
The Revenue is expected to grow by 2.91% on average over the next years.
EPS Next Y-4.05%
EPS Next 2Y0.77%
EPS Next 3Y7.12%
EPS Next 5Y7.1%
Revenue Next Year-0.24%
Revenue Next 2Y2.84%
Revenue Next 3Y3.56%
Revenue Next 5Y2.91%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.26, AB2 is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as AB2.
AB2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.
A Price/Forward Earnings ratio of 11.00 indicates a reasonable valuation of AB2.
The rest of the industry has a similar Price/Forward Earnings ratio as AB2.
AB2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.26 | ||
| Fwd PE | 11 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.25
EPS Next 2Y0.77%
EPS Next 3Y7.12%
5. Dividend
5.1 Amount
AB2 has a Yearly Dividend Yield of 4.39%, which is a nice return.
AB2's Dividend Yield is comparable with the industry average which is at 4.19.
AB2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.93.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
5.2 History
The dividend of AB2 has a limited annual growth rate of 0.21%.
Dividend Growth(5Y)0.21%
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.
AB2's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.45%
EPS Next 2Y0.77%
EPS Next 3Y7.12%
FRA:AB2 (1/2/2026, 7:00:00 PM)
30.15
+0.75 (+2.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.85%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap18.00B
Revenue(TTM)9.54B
Net Income(TTM)2.15B
Analysts72
Price Target32.09 (6.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend1.46
Dividend Growth(5Y)0.21%
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)9.67%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0.09%
EPS NY rev (3m)-0.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)-0.66%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.26 | ||
| Fwd PE | 11 | ||
| P/S | 1.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.46
EY8.16%
EPS(NY)2.74
Fwd EY9.09%
FCF(TTM)-2.26
FCFYN/A
OCF(TTM)-1.55
OCFYN/A
SpS15.8
BVpS46.03
TBVpS45.54
PEG (NY)N/A
PEG (5Y)2.25
Graham Number50.47
Profitability
| Industry Rank | Sector 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 3Y26.68%
PM growth 5Y4.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
| Industry Rank | Sector 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
WACC9.63%
ROIC/WACCN/A
Cap/Depr(3y)169.11%
Cap/Depr(5y)137.34%
Cap/Sales(3y)3.36%
Cap/Sales(5y)2.89%
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-4.05%
EPS Next 2Y0.77%
EPS Next 3Y7.12%
EPS Next 5Y7.1%
Revenue 1Y (TTM)2.67%
Revenue growth 3Y-0.5%
Revenue growth 5Y-1.59%
Sales Q2Q%-9.81%
Revenue Next Year-0.24%
Revenue Next 2Y2.84%
Revenue Next 3Y3.56%
Revenue Next 5Y2.91%
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 2 / 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%.