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

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

24.1  -0.04 (-0.17%)

Fundamental Rating

3

Taking everything into account, ABN scores 3 out of 10 in our fundamental rating. ABN was compared to 91 industry peers in the Banks industry. ABN has a bad profitability rating. Also its financial health evaluation is rather negative. ABN does not seem to be growing, but still is valued expensively. Finally ABN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ABN had positive earnings in the past year.
In the past year ABN has reported a negative cash flow from operations.
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 has a Return On Assets (0.59%) which is in line with its industry peers.
ABN's Return On Equity of 8.75% is in line compared to the rest of the industry. ABN outperforms 48.35% of its industry peers.
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

Looking at the Profit Margin, with a value of 23.83%, ABN is in the better half of the industry, outperforming 64.84% 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 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

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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.
ABN has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ABN has been reduced compared to 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

ABN has a Debt/Equity ratio of 2.47. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.47, ABN is not doing good in the industry: 62.64% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.47
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.37%
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

ABN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.55%.
The Earnings Per Share has been growing slightly by 5.46% on average over the past years.
ABN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.21%.
The Revenue has been decreasing by -1.59% on average over the past years.
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 0.84% yearly.
Based on estimates for the next years, ABN will show a small growth in Revenue. The Revenue will grow by 0.50% on average per year.
EPS Next Y-9.79%
EPS Next 2Y-2.34%
EPS Next 3Y1.85%
EPS Next 5Y0.84%
Revenue Next Year0.38%
Revenue Next 2Y1.28%
Revenue Next 3Y1.63%
Revenue Next 5Y0.5%

3.3 Evolution

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

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3

4. Valuation

4.1 Price/Earnings Ratio

ABN is valuated reasonably with a Price/Earnings ratio of 9.16.
Compared to the rest of the industry, the Price/Earnings ratio of ABN is on the same level as its industry peers.
ABN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.51.
With a Price/Forward Earnings ratio of 9.36, the valuation of ABN can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ABN is on the same level as its industry peers.
ABN is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.58, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.16
Fwd PE 9.36
ABN.AS Price Earnings VS Forward Price EarningsABN.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.68
EPS Next 2Y-2.34%
EPS Next 3Y1.85%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.39%, ABN is a good candidate for dividend investing.
ABN's Dividend Yield is comparable with the industry average which is at 5.19.
ABN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 5.39%

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.
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%
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 (7/15/2025, 5:36:15 PM)

24.1

-0.04 (-0.17%)

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 Owners35.77%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.95B
Analysts64
Price Target21.96 (-8.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.39%
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)0%
PT rev (3m)13.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.77%
EPS NY rev (1m)0%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 9.16
Fwd PE 9.36
P/S 1.46
P/FCF N/A
P/OCF N/A
P/B 0.53
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)2.63
EY10.91%
EPS(NY)2.58
Fwd EY10.69%
FCF(TTM)-19.43
FCFYN/A
OCF(TTM)-18.65
OCFYN/A
SpS16.54
BVpS45.09
TBVpS44.65
PEG (NY)N/A
PEG (5Y)1.68
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
WACC9.37%
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 Year0.38%
Revenue Next 2Y1.28%
Revenue Next 3Y1.63%
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