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

Europe - AMS:ABN - NL0011540547

27.12 EUR
-0.12 (-0.44%)
Last: 9/26/2025, 7:00:00 PM
Fundamental Rating

2

ABN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. Both the profitability and financial health of ABN have multiple concerns. ABN is valued expensive and it does not seem to be growing. Finally ABN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ABN was profitable.
ABN had a negative operating cash flow in the past year.
ABN had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: ABN reported negative operating cash flow in multiple 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 has a Return On Assets of 0.52%. This is comparable to the rest of the industry: ABN outperforms 40.63% of its industry peers.
With a Return On Equity value of 7.80%, ABN perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
Industry RankSector 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
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

ABN's Profit Margin of 22.73% is in line compared to the rest of the industry. ABN outperforms 55.21% of its industry peers.
ABN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ABN so they could not be analyzed.
Industry RankSector 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
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

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1

2. Health

2.1 Basic Checks

ABN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ABN has less shares outstanding
The number of shares outstanding for ABN has been reduced compared to 5 years ago.
Compared to 1 year ago, ABN has a worse debt to assets ratio.
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 2.67 is on the high side and indicates that ABN has dependencies on debt financing.
With a Debt to Equity ratio value of 2.67, ABN is not doing good in the industry: 64.58% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.32%
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

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3

3. Growth

3.1 Past

The earnings per share for ABN have decreased strongly by -12.59% in the last year.
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 0.65% in the past year.
The Revenue has been decreasing by -1.59% on average over the past years.
EPS 1Y (TTM)-12.59%
EPS 3Y30.68%
EPS 5Y5.46%
EPS Q2Q%-8.22%
Revenue 1Y (TTM)0.65%
Revenue growth 3Y-0.5%
Revenue growth 5Y-1.59%
Sales Q2Q%-1.29%

3.2 Future

The Earnings Per Share is expected to grow by 3.43% on average over the next years.
The Revenue is expected to grow by 1.62% on average over the next years.
EPS Next Y-3.41%
EPS Next 2Y0.88%
EPS Next 3Y4.9%
EPS Next 5Y3.43%
Revenue Next Year0.61%
Revenue Next 2Y2.64%
Revenue Next 3Y2.88%
Revenue Next 5Y1.62%

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

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.55 indicates a reasonable valuation of ABN.
ABN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of ABN to the average of the S&P500 Index (27.32), we can say ABN is valued rather cheaply.
ABN is valuated reasonably with a Price/Forward Earnings ratio of 9.87.
ABN's Price/Forward Earnings is on the same level as the industry average.
ABN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.89, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.55
Fwd PE 9.87
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 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.93
EPS Next 2Y0.88%
EPS Next 3Y4.9%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.79%, ABN is a good candidate for dividend investing.
ABN's Dividend Yield is comparable with the industry average which is at 4.94.
Compared to an average S&P500 Dividend Yield of 2.42, ABN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.79%

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 52.45% 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.
DP52.45%
EPS Next 2Y0.88%
EPS Next 3Y4.9%
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

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ABN AMRO BANK NV-CVA

AMS:ABN (9/26/2025, 7:00:00 PM)

27.12

-0.12 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-12 2025-11-12
Inst Owners45.48%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.38B
Analysts68
Price Target26.09 (-3.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.79%
Yearly Dividend1.46
Dividend Growth(5Y)0.22%
DP52.45%
Div Incr Years0
Div Non Decr Years0
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)-0.07%
Min Revenue beat(4)-2.68%
Max Revenue beat(4)1.9%
Revenue beat(8)5
Avg Revenue beat(8)0.46%
Revenue beat(12)9
Avg Revenue beat(12)4.89%
Revenue beat(16)13
Avg Revenue beat(16)7.85%
PT rev (1m)4.66%
PT rev (3m)18.79%
EPS NQ rev (1m)-1.03%
EPS NQ rev (3m)9.03%
EPS NY rev (1m)1%
EPS NY rev (3m)7.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 10.55
Fwd PE 9.87
P/S 1.74
P/FCF N/A
P/OCF N/A
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)2.57
EY9.48%
EPS(NY)2.75
Fwd EY10.13%
FCF(TTM)-2.24
FCFYN/A
OCF(TTM)-1.53
OCFYN/A
SpS15.62
BVpS45.5
TBVpS45.02
PEG (NY)N/A
PEG (5Y)1.93
Profitability
Industry RankSector 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
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-Score2
Asset Turnover0.02
Health
Industry RankSector 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
WACC9.32%
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)-12.59%
EPS 3Y30.68%
EPS 5Y5.46%
EPS Q2Q%-8.22%
EPS Next Y-3.41%
EPS Next 2Y0.88%
EPS Next 3Y4.9%
EPS Next 5Y3.43%
Revenue 1Y (TTM)0.65%
Revenue growth 3Y-0.5%
Revenue growth 5Y-1.59%
Sales Q2Q%-1.29%
Revenue Next Year0.61%
Revenue Next 2Y2.64%
Revenue Next 3Y2.88%
Revenue Next 5Y1.62%
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