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

FRA:AB2 • NL0011540547

29.11 EUR
+0.35 (+1.22%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall AB2 gets a fundamental rating of 3 out of 10. We evaluated AB2 against 108 industry peers in the Banks industry. AB2 may be in some trouble as it scores bad on both profitability and health. AB2 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • AB2 had positive earnings in the past year.
  • In the past 5 years AB2 has always been profitable.
  • AB2 had negative operating cash flow in 4 of the past 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 2025 0 10B -10B 20B 30B 40B

1.2 Ratios

  • With a Return On Assets value of 0.49%, AB2 is not doing good in the industry: 73.15% of the companies in the same industry are doing better.
  • AB2 has a Return On Equity of 7.53%. This is in the lower half of the industry: AB2 underperforms 66.67% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 7.53%
ROIC N/A
ROA(3y)0.59%
ROA(5y)0.51%
ROE(3y)9.02%
ROE(5y)8%
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 2025 0 2 4 6 8 10

1.3 Margins

  • AB2 has a Profit Margin (21.78%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of AB2 has remained more or less at the same level.
  • 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) 21.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.34%
PM growth 5YN/A
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 2025 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.
  • The number of shares outstanding for AB2 has been reduced compared to 5 years ago.
  • Compared to 1 year ago, AB2 has an improved debt to assets ratio.
AB2.DE Yearly Shares OutstandingAB2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B 400B

2.2 Solvency

  • A Debt/Equity ratio of 3.49 is on the high side and indicates that AB2 has dependencies on debt financing.
  • AB2 has a Debt to Equity ratio of 3.49. This is amonst the worse of the industry: AB2 underperforms 82.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.65%
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 2025 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 2025 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

  • The earnings per share for AB2 have decreased by -8.89% in the last year.
  • The Earnings Per Share has been growing slightly by 7.87% on average over the past years.
  • The Revenue has decreased by -2.43% in the past year.
  • The Revenue has been growing slightly by 1.47% on average over the past years.
EPS 1Y (TTM)-8.89%
EPS 3Y7.87%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y3.28%
Revenue growth 5Y1.47%
Sales Q2Q%-6.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.16% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 2.70% on average over the next years.
EPS Next Y12.28%
EPS Next 2Y16.56%
EPS Next 3Y14.11%
EPS Next 5Y11.16%
Revenue Next Year6.03%
Revenue Next 2Y6.01%
Revenue Next 3Y5.43%
Revenue Next 5Y2.7%

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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.83, the valuation of AB2 can be described as very reasonable.
  • AB2's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of AB2 to the average of the S&P500 Index (26.99), we can say AB2 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.54, the valuation of AB2 can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, AB2 is valued a bit cheaper than 68.52% of the companies in the same industry.
  • AB2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.83
Fwd PE 10.54
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 10 20 30 40

4.3 Compensation for Growth

  • AB2's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • AB2's earnings are expected to grow with 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.96
PEG (5Y)N/A
EPS Next 2Y16.56%
EPS Next 3Y14.11%

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.30%, AB2 is a good candidate for dividend investing.
  • AB2's Dividend Yield is comparable with the industry average which is at 4.37.
  • AB2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.3%

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

  • The dividend of AB2 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2Y16.56%
EPS Next 3Y14.11%
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 2025 0 10B -10B 20B 30B 40B

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ABN AMRO BANK NV-CVA

FRA:AB2 (2/20/2026, 7:00:00 PM)

29.11

+0.35 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners50.26%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap17.94B
Revenue(TTM)9.35B
Net Income(TTM)2.04B
Analysts71.82
Price Target32.49 (11.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.3%
Yearly Dividend1.46
Dividend Growth(5Y)0.22%
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.38%
Min EPS beat(2)-22.97%
Max EPS beat(2)2.21%
EPS beat(4)3
Avg EPS beat(4)-4.09%
Min EPS beat(4)-22.97%
Max EPS beat(4)2.3%
EPS beat(8)6
Avg EPS beat(8)6.36%
EPS beat(12)10
Avg EPS beat(12)17.27%
EPS beat(16)14
Avg EPS beat(16)36.18%
Revenue beat(2)0
Avg Revenue beat(2)-3.73%
Min Revenue beat(2)-5.2%
Max Revenue beat(2)-2.25%
Revenue beat(4)0
Avg Revenue beat(4)-2.87%
Min Revenue beat(4)-5.2%
Max Revenue beat(4)-1.33%
Revenue beat(8)4
Avg Revenue beat(8)3.64%
Revenue beat(12)8
Avg Revenue beat(12)5.5%
Revenue beat(16)12
Avg Revenue beat(16)8.62%
PT rev (1m)0%
PT rev (3m)11.04%
EPS NQ rev (1m)3%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.19%
Revenue NQ rev (1m)-1.27%
Revenue NQ rev (3m)-1.72%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-0.28%
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE 10.54
P/S 1.92
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)2.46
EY8.45%
EPS(NY)2.76
Fwd EY9.49%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS15.17
BVpS43.89
TBVpS43.89
PEG (NY)0.96
PEG (5Y)N/A
Graham Number49.29
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 7.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.78%
GM N/A
FCFM N/A
ROA(3y)0.59%
ROA(5y)0.51%
ROE(3y)9.02%
ROE(5y)8%
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 3Y1.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC9.65%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.89%
EPS 3Y7.87%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y12.28%
EPS Next 2Y16.56%
EPS Next 3Y14.11%
EPS Next 5Y11.16%
Revenue 1Y (TTM)-2.43%
Revenue growth 3Y3.28%
Revenue growth 5Y1.47%
Sales Q2Q%-6.73%
Revenue Next Year6.03%
Revenue Next 2Y6.01%
Revenue Next 3Y5.43%
Revenue Next 5Y2.7%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 5 / 10 to ABN AMRO BANK NV-CVA (AB2.DE). This can be considered as Fairly Valued.


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 6 / 10 and the dividend payout ratio is 0%.