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

FRA:AB2 • NL0011540547

Current stock price

26.87 EUR
-0.03 (-0.11%)
Last:

This AB2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AB2.DE Profitability Analysis

1.1 Basic Checks

  • In the past year AB2 was profitable.
  • In the past year AB2 had a positive cash flow from operations.
  • In the past 5 years AB2 has always been 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 2025 0 10B -10B 20B 30B 40B

1.2 Ratios

  • AB2's Return On Assets of 0.49% is on the low side compared to the rest of the industry. AB2 is outperformed by 71.82% of its industry peers.
  • AB2 has a Return On Equity of 7.53%. This is in the lower half of the industry: AB2 underperforms 65.45% 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's Profit Margin of 21.78% is in line compared to the rest of the industry. AB2 outperforms 42.73% of its industry peers.
  • AB2's Profit Margin has been stable in the last couple of years.
  • 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 3Y1.32%
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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2

2. AB2.DE Health Analysis

2.1 Basic Checks

  • AB2 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • AB2 has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for AB2 has been reduced compared to 5 years ago.
  • AB2 has a better debt/assets ratio than last year.
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

  • AB2 has a debt to FCF ratio of 51.19. This is a negative value and a sign of low solvency as AB2 would need 51.19 years to pay back of all of its debts.
  • AB2 has a Debt to FCF ratio (51.19) which is comparable to the rest of the industry.
  • AB2 has a Debt/Equity ratio of 2.78. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.78, AB2 is doing worse than 74.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF 51.19
Altman-Z N/A
ROIC/WACCN/A
WACC7.4%
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. AB2.DE Growth Analysis

3.1 Past

  • AB2 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.89%.
  • AB2 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.87% yearly.
  • AB2 shows a decrease in Revenue. In the last year, the revenue decreased by -2.44%.
  • AB2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.47% yearly.
EPS 1Y (TTM)-8.89%
EPS 3Y7.87%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)-2.44%
Revenue growth 3Y3.28%
Revenue growth 5Y1.47%
Sales Q2Q%-6.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.70% on average over the next years. This is quite good.
  • AB2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.74% yearly.
EPS Next Y13.25%
EPS Next 2Y17.32%
EPS Next 3Y18.35%
EPS Next 5Y11.7%
Revenue Next Year6.09%
Revenue Next 2Y6.07%
Revenue Next 3Y5.49%
Revenue Next 5Y3.74%

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 4

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6

4. AB2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.92, the valuation of AB2 can be described as reasonable.
  • AB2's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, AB2 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.64, the valuation of AB2 can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, AB2 is valued a bit cheaper than the industry average as 62.73% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.79. AB2 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.92
Fwd PE 9.64
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AB2 indicates a somewhat cheap valuation: AB2 is cheaper than 67.27% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.98
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 18.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y17.32%
EPS Next 3Y18.35%

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5

5. AB2.DE Dividend Analysis

5.1 Amount

  • AB2 has a Yearly Dividend Yield of 4.61%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.75, AB2 has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, AB2 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.61%

5.2 History

  • The dividend of AB2 decreases each year by -1.32%.
Dividend Growth(5Y)-1.32%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • AB2 pays out 53.32% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP53.32%
EPS Next 2Y17.32%
EPS Next 3Y18.35%
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
AB2.DE Dividend Payout.AB2.DE Dividend Payout, showing the Payout Ratio.AB2.DE Dividend Payout.PayoutRetained Earnings

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AB2.DE Fundamentals: All Metrics, Ratios and Statistics

ABN AMRO BANK NV-CVA

FRA:AB2 (3/24/2026, 7:00:00 PM)

26.87

-0.03 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners48.45%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.56B
Revenue(TTM)9.35B
Net Income(TTM)2.04B
Analysts73.91
Price Target34.6 (28.77%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.61%
Yearly Dividend1.31
Dividend Growth(5Y)-1.32%
DP53.32%
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)6.49%
PT rev (3m)7.82%
EPS NQ rev (1m)5.17%
EPS NQ rev (3m)8.33%
EPS NY rev (1m)0.87%
EPS NY rev (3m)0.26%
Revenue NQ rev (1m)-1.84%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 10.92
Fwd PE 9.64
P/S 1.77
P/FCF 8.98
P/OCF 7.41
P/B 0.61
P/tB 0.62
EV/EBITDA N/A
EPS(TTM)2.46
EY9.16%
EPS(NY)2.79
Fwd EY10.37%
FCF(TTM)2.99
FCFY11.13%
OCF(TTM)3.63
OCFY13.5%
SpS15.17
BVpS43.89
TBVpS43.31
PEG (NY)0.82
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 19.72%
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 3Y1.32%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF 51.19
Debt/EBITDA N/A
Cap/Depr 217.78%
Cap/Sales 4.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 90.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.4%
ROIC/WACCN/A
Cap/Depr(3y)205.27%
Cap/Depr(5y)165.85%
Cap/Sales(3y)4.02%
Cap/Sales(5y)3.34%
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 Y13.25%
EPS Next 2Y17.32%
EPS Next 3Y18.35%
EPS Next 5Y11.7%
Revenue 1Y (TTM)-2.44%
Revenue growth 3Y3.28%
Revenue growth 5Y1.47%
Sales Q2Q%-6.73%
Revenue Next Year6.09%
Revenue Next 2Y6.07%
Revenue Next 3Y5.49%
Revenue Next 5Y3.74%
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 1Y116.39%
FCF growth 3YN/A
FCF growth 5Y-47.24%
OCF growth 1Y120.7%
OCF growth 3YN/A
OCF growth 5Y-45.22%

ABN AMRO BANK NV-CVA / AB2.DE Fundamental Analysis 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 6 / 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 2 / 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 5 / 10 and the dividend payout ratio is 53.32%.