Logo image of ABN.AS

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

AMS:ABN - Euronext Amsterdam - NL0011540547 - Currency: EUR

22.55  -0.08 (-0.35%)

Fundamental Rating

3

Taking everything into account, ABN scores 3 out of 10 in our fundamental rating. ABN was compared to 92 industry peers in the Banks industry. ABN may be in some trouble as it scores bad on both profitability and health. ABN is valued correctly, but it does not seem to be growing. Finally ABN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
ABN.AS Yearly Net Income VS EBIT VS OCF VS FCFABN.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B

1.2 Ratios

ABN's Return On Assets of 0.59% is in line compared to the rest of the industry. ABN outperforms 43.48% of its industry peers.
The Return On Equity of ABN (8.75%) is comparable to the rest of the industry.
Industry RankSector 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
ABN.AS Yearly ROA, ROE, ROICABN.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

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.
ABN's Profit Margin has improved in the last couple of years.
ABN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
ABN.AS Yearly Profit, Operating, Gross MarginsABN.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

More info and screens

1

2. Health

2.1 Basic Checks

ABN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ABN has been reduced compared to 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.
ABN.AS Yearly Shares OutstandingABN.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
ABN.AS Yearly Total Debt VS Total AssetsABN.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

A Debt/Equity ratio of 2.47 is on the high side and indicates that ABN has dependencies on debt financing.
ABN has a worse Debt to Equity ratio (2.47) than 60.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.47
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.41%
ABN.AS Yearly LT Debt VS Equity VS FCFABN.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
ABN.AS Yearly Current Assets VS Current LiabilitesABN.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

More info and screens

2

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%.
Measured over the past 5 years, ABN shows a small growth in Earnings Per Share. The EPS has been growing by 5.46% on average per year.
ABN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.21%.
Measured over the past years, ABN shows a decrease in Revenue. The Revenue has been decreasing by -1.59% on average per year.
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

ABN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.26% yearly.
The Revenue is expected to decrease by -0.24% on average over the next years.
EPS Next Y-9.79%
EPS Next 2Y-2.34%
EPS Next 3Y1.85%
EPS Next 5Y1.26%
Revenue Next Year0.38%
Revenue Next 2Y1.28%
Revenue Next 3Y1.63%
Revenue Next 5Y-0.24%

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.
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.
ABN.AS Yearly Revenue VS EstimatesABN.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
ABN.AS Yearly EPS VS EstimatesABN.AS 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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.57, the valuation of ABN can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ABN indicates a somewhat cheap valuation: ABN is cheaper than 67.39% of the companies listed in the same industry.
ABN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
The Price/Forward Earnings ratio is 8.76, which indicates a very decent valuation of ABN.
60.87% of the companies in the same industry are more expensive than ABN, based on the Price/Forward Earnings ratio.
ABN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.57
Fwd PE 8.76
ABN.AS Price Earnings VS Forward Price EarningsABN.AS 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
ABN.AS Per share dataABN.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.57
EPS Next 2Y-2.34%
EPS Next 3Y1.85%

More info and screens

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.97%, ABN is a good candidate for dividend investing.
ABN's Dividend Yield is a higher than the industry average which is at 5.03.
Compared to an average S&P500 Dividend Yield of 2.40, ABN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.97%

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

ABN pays out 54.49% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ABN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.49%
EPS Next 2Y-2.34%
EPS Next 3Y1.85%
ABN.AS Yearly Income VS Free CF VS DividendABN.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B 40B
ABN.AS Dividend Payout.ABN.AS Dividend Payout, showing the Payout Ratio.ABN.AS Dividend Payout.PayoutRetained Earnings

More info and screens

ABN AMRO BANK NV-CVA

AMS:ABN (5/28/2025, 5:35:30 PM)

22.55

-0.08 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-14 2025-05-14/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners40.99%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.63B
Analysts55.65
Price Target19.94 (-11.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.97%
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)3.15%
PT rev (3m)10.41%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)12.05%
EPS NY rev (1m)0%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)-1.14%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 8.57
Fwd PE 8.76
P/S 1.32
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)2.63
EY11.66%
EPS(NY)2.58
Fwd EY11.42%
FCF(TTM)-20.08
FCFYN/A
OCF(TTM)-19.27
OCFYN/A
SpS17.1
BVpS46.6
TBVpS46.15
PEG (NY)N/A
PEG (5Y)1.57
Profitability
Industry RankSector 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 RankSector 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
WACC9.41%
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 5Y1.26%
Revenue 1Y (TTM)1.21%
Revenue growth 3Y-0.5%
Revenue growth 5Y-1.59%
Sales Q2Q%-2.37%
Revenue Next Year0.38%
Revenue Next 2Y1.28%
Revenue Next 3Y1.63%
Revenue Next 5Y-0.24%
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