ABN Fundamental Analysis - ABN AMRO BANK NV-CVA

Fundamental Rating

Overall ABN gets a fundamental rating of 3 out of 10. We evaluated ABN against 92 industry peers in the Banks industry. ABN may be in some trouble as it scores bad on both profitability and health. ABN does not seem to be growing, but still is valued expensively. ABN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ABN was profitable.

ABN had a negative operating cash flow in the past year.

Of the past 5 years ABN 4 years were profitable.

In multiple years ABN reported negative operating cash flow during the last 5 years.

1.2 Ratios

ABN has a Return On Assets of 0.59%. This is comparable to the rest of the industry: ABN outperforms 45.65% of its industry peers.

Looking at the Return On Equity, with a value of 8.75%, ABN is in line with its industry, outperforming 46.74% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.59%
ROE	8.75%
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

With a decent Profit Margin value of 23.83%, ABN is doing good in the industry, outperforming 63.04% of the companies in the same industry.

In the last couple of years the Profit Margin of ABN has grown nicely.

The Operating Margin and Gross Margin are not available for ABN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.83%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ABN does not have a ROIC to compare to the WACC, probably because it is not profitable.

ABN has less shares outstanding than it did 1 year ago.

ABN has less shares outstanding than it did 5 years ago.

The debt/assets ratio for ABN is higher compared to a year ago.

2.2 Solvency

ABN has a Debt/Equity ratio of 2.47. This is a high value indicating a heavy dependency on external financing.

ABN has a Debt to Equity ratio (2.47) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.47
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.36%

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

ABN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.55%.

ABN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.46% yearly.

The Revenue has been growing slightly by 1.21% in the past year.

ABN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.59% yearly.

EPS 1Y (TTM)-17.55%

EPS 3Y30.68%

EPS 5Y5.46%

EPS Q2Q%-9.21%

Revenue 1Y (TTM)1.21%

Revenue growth 3Y-0.5%

Revenue growth 5Y-1.59%

Sales Q2Q%-2.37%

3.2 Future

The Earnings Per Share is expected to grow by 0.84% on average over the next years.

ABN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.50% yearly.

EPS Next Y-9.79%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

EPS Next 5Y0.84%

Revenue Next Year0.72%

Revenue Next 2Y2.02%

Revenue Next 3Y2.42%

Revenue Next 5Y0.5%

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 decreasing.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.82, the valuation of ABN can be described as reasonable.

The rest of the industry has a similar Price/Earnings ratio as ABN.

Compared to an average S&P500 Price/Earnings ratio of 26.73, ABN is valued rather cheaply.

ABN is valuated reasonably with a Price/Forward Earnings ratio of 10.03.

ABN's Price/Forward Earnings ratio is in line with the industry average.

ABN is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.61, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.82
Fwd PE	10.03

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)1.8

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

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5. Dividend

5.1 Amount

ABN has a Yearly Dividend Yield of 5.12%, which is a nice return.

Compared to an average industry Dividend Yield of 4.93, ABN has a dividend in line with its industry peers.

ABN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	5.12%

5.2 History

The dividend of ABN has a limited annual growth rate of 0.22%.

Dividend Growth(5Y)0.22%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

54.49% of the earnings are spent on dividend by ABN. This is a bit on the high side, but may be sustainable.

ABN's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP54.49%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

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ABN AMRO BANK NV-CVA

AMS:ABN (8/13/2025, 5:36:15 PM)

25.82

-0.27 (-1.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-06 2025-08-06

Earnings (Next)11-12 2025-11-12

Inst Owners35.77%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap14.95B

Analysts68

Price Target23.81 (-7.78%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.12%

Yearly Dividend1.46

Dividend Growth(5Y)0.22%

DP54.49%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)10.42%

Min EPS beat(2)-2.93%

Max EPS beat(2)23.76%

EPS beat(4)3

Avg EPS beat(4)16.81%

Min EPS beat(4)-2.93%

Max EPS beat(4)34.8%

EPS beat(8)7

Avg EPS beat(8)27.95%

EPS beat(12)11

Avg EPS beat(12)49.6%

EPS beat(16)14

Avg EPS beat(16)48.5%

Revenue beat(2)2

Avg Revenue beat(2)1.86%

Min Revenue beat(2)1.82%

Max Revenue beat(2)1.9%

Revenue beat(4)4

Avg Revenue beat(4)1.89%

Min Revenue beat(4)1.16%

Max Revenue beat(4)2.66%

Revenue beat(8)7

Avg Revenue beat(8)1.54%

Revenue beat(12)11

Avg Revenue beat(12)7.02%

Revenue beat(16)15

Avg Revenue beat(16)9.94%

PT rev (1m)8.42%

PT rev (3m)19.42%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0.05%

Revenue NQ rev (3m)0.05%

Revenue NY rev (1m)0.34%

Revenue NY rev (3m)0.34%

Valuation

		Industry Rank	Sector Rank
PE	9.82
Fwd PE	10.03
P/S	1.56
P/FCF	N/A
P/OCF	N/A
P/B	0.57
P/tB	0.58
EV/EBITDA	N/A

EPS(TTM)2.63

EY10.19%

EPS(NY)2.58

Fwd EY9.97%

FCF(TTM)-19.43

FCFYN/A

OCF(TTM)-18.65

OCFYN/A

SpS16.54

BVpS45.09

TBVpS44.65

PEG (NY)N/A

PEG (5Y)1.8

Profitability

		Industry Rank	Sector Rank
ROA	0.59%
ROE	8.75%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.83%
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

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 3Y26.68%

PM growth 5Y4.95%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.47
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	282.5%
Cap/Sales	4.72%
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-Score5

WACC9.36%

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)-17.55%

EPS 3Y30.68%

EPS 5Y5.46%

EPS Q2Q%-9.21%

EPS Next Y-9.79%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

EPS Next 5Y0.84%

Revenue 1Y (TTM)1.21%

Revenue growth 3Y-0.5%

Revenue growth 5Y-1.59%

Sales Q2Q%-2.37%

Revenue Next Year0.72%

Revenue Next 2Y2.02%

Revenue Next 3Y2.42%

Revenue Next 5Y0.5%

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-20.7%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-19.57%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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