OVB HOLDING AG (O4B.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:O4B - DE0006286560 - Common Stock
19.2 EUR
+0.1 (+0.52%)
Taking everything into account, O4B scores 6 out of 10 in our fundamental rating. O4B was compared to 120 industry peers in the Capital Markets industry. O4B has an excellent financial health rating, but there are some minor concerns on its profitability. O4B has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year O4B was profitable.
O4B had a positive operating cash flow in the past year.
O4B had positive earnings in each of the past 5 years.
In the past 5 years O4B always reported a positive cash flow from operatings.
1.2 Ratios
O4B has a Return On Assets of 4.44%. This is in the better half of the industry: O4B outperforms 71.67% of its industry peers.
Looking at the Return On Equity, with a value of 14.37%, O4B is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 10.52%, O4B belongs to the top of the industry, outperforming 84.17% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for O4B is above the industry average of 9.33%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.44% | ||
| ROE | 14.37% | ||
| ROIC | 10.52% |
ROA(3y)5.79%
ROA(5y)5.59%
ROE(3y)16.61%
ROE(5y)15.76%
ROIC(3y)13.6%
ROIC(5y)13.23%
1.3 Margins
O4B's Profit Margin of 3.00% is in line compared to the rest of the industry. O4B outperforms 45.83% of its industry peers.
O4B's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 3.45%, O4B is in line with its industry, outperforming 54.17% of the companies in the same industry.
In the last couple of years the Operating Margin of O4B has declined.
O4B has a Gross Margin (32.22%) which is in line with its industry peers.
O4B's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.45% | ||
| PM (TTM) | 3% | ||
| GM | 32.22% |
OM growth 3Y-9.37%
OM growth 5Y-1.6%
PM growth 3Y-1.36%
PM growth 5Y1.94%
GM growth 3Y-0.08%
GM growth 5Y-0.76%
2. Health
2.1 Basic Checks
The number of shares outstanding for O4B remains at a similar level compared to 1 year ago.
The number of shares outstanding for O4B remains at a similar level compared to 5 years ago.
O4B has a better debt/assets ratio than last year.
2.2 Solvency
O4B has an Altman-Z score of 2.88. This is not the best score and indicates that O4B is in the grey zone with still only limited risk for bankruptcy at the moment.
O4B has a Altman-Z score of 2.88. This is in the better half of the industry: O4B outperforms 75.83% of its industry peers.
The Debt to FCF ratio of O4B is 0.70, which is an excellent value as it means it would take O4B, only 0.70 years of fcf income to pay off all of its debts.
O4B has a better Debt to FCF ratio (0.70) than 93.33% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that O4B is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.09, O4B is doing good in the industry, outperforming 78.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.7 | ||
| Altman-Z | 2.88 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.31 indicates that O4B should not have too much problems paying its short term obligations.
O4B has a better Current ratio (1.31) than 75.00% of its industry peers.
O4B has a Quick Ratio of 1.31. This is a normal value and indicates that O4B is financially healthy and should not expect problems in meeting its short term obligations.
O4B's Quick ratio of 1.31 is fine compared to the rest of the industry. O4B outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.31 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
O4B shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -29.09%.
O4B shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.78% yearly.
Looking at the last year, O4B shows a quite strong growth in Revenue. The Revenue has grown by 12.63% in the last year.
Measured over the past years, O4B shows a quite strong growth in Revenue. The Revenue has been growing by 9.65% on average per year.
EPS 1Y (TTM)-29.09%
EPS 3Y6.94%
EPS 5Y11.78%
EPS Q2Q%-67.62%
Revenue 1Y (TTM)12.63%
Revenue growth 3Y8.41%
Revenue growth 5Y9.65%
Sales Q2Q%14.65%
3.2 Future
O4B is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.76% yearly.
The Revenue is expected to grow by 5.03% on average over the next years.
EPS Next Y-44.62%
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
EPS Next 5YN/A
Revenue Next Year12.9%
Revenue Next 2Y7.48%
Revenue Next 3Y6.2%
Revenue Next 5Y5.03%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 20.87, O4B is valued on the expensive side.
O4B's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of O4B to the average of the S&P500 Index (26.15), we can say O4B is valued slightly cheaper.
The Price/Forward Earnings ratio is 16.11, which indicates a correct valuation of O4B.
Based on the Price/Forward Earnings ratio, O4B is valued a bit cheaper than the industry average as 71.67% of the companies are valued more expensively.
O4B's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 16.11 |
4.2 Price Multiples
O4B's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. O4B is cheaper than 92.50% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, O4B is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.05 | ||
| EV/EBITDA | 3.73 |
4.3 Compensation for Growth
The decent profitability rating of O4B may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.77
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.21%, O4B is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.42, O4B pays a better dividend. On top of this O4B pays more dividend than 83.33% of the companies listed in the same industry.
O4B's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
5.2 History
The dividend of O4B has a limited annual growth rate of 3.71%.
Dividend Growth(5Y)3.71%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
O4B pays out 112.97% of its income as dividend. This is not a sustainable payout ratio.
O4B's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP112.97%
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
FRA:O4B (11/26/2025, 7:00:00 PM)
19.2
+0.1 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap273.60M
Revenue(TTM)430.73M
Net Income(TTM)12.94M
Analysts76.67
Price Target22.44 (16.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.21% |
Yearly Dividend0.9
Dividend Growth(5Y)3.71%
DP112.97%
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-66.38%
Min EPS beat(2)-69.06%
Max EPS beat(2)-63.7%
EPS beat(4)1
Avg EPS beat(4)-30.38%
Min EPS beat(4)-69.06%
Max EPS beat(4)15.51%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)4.92%
Min Revenue beat(2)4.15%
Max Revenue beat(2)5.69%
Revenue beat(4)4
Avg Revenue beat(4)6.24%
Min Revenue beat(4)3.01%
Max Revenue beat(4)12.1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-83.33%
EPS NY rev (1m)-5.26%
EPS NY rev (3m)-27.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)1.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 16.11 | ||
| P/S | 0.64 | ||
| P/FCF | 19.05 | ||
| P/OCF | 11.55 | ||
| P/B | 3.04 | ||
| P/tB | 3.81 | ||
| EV/EBITDA | 3.73 |
EPS(TTM)0.92
EY4.79%
EPS(NY)1.19
Fwd EY6.21%
FCF(TTM)1.01
FCFY5.25%
OCF(TTM)1.66
OCFY8.66%
SpS30.23
BVpS6.32
TBVpS5.03
PEG (NY)N/A
PEG (5Y)1.77
Graham Number11.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.44% | ||
| ROE | 14.37% | ||
| ROCE | 14.63% | ||
| ROIC | 10.52% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 3.45% | ||
| PM (TTM) | 3% | ||
| GM | 32.22% | ||
| FCFM | 3.33% |
ROA(3y)5.79%
ROA(5y)5.59%
ROE(3y)16.61%
ROE(5y)15.76%
ROIC(3y)13.6%
ROIC(5y)13.23%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)18.91%
ROCE(5y)18.39%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-9.37%
OM growth 5Y-1.6%
PM growth 3Y-1.36%
PM growth 5Y1.94%
GM growth 3Y-0.08%
GM growth 5Y-0.76%
F-Score5
Asset Turnover1.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.7 | ||
| Debt/EBITDA | 0.3 | ||
| Cap/Depr | 84.12% | ||
| Cap/Sales | 2.17% | ||
| Interest Coverage | 36.41 | ||
| Cash Conversion | 91.31% | ||
| Profit Quality | 111.02% | ||
| Current Ratio | 1.31 | ||
| Quick Ratio | 1.31 | ||
| Altman-Z | 2.88 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)94.05%
Cap/Depr(5y)92.53%
Cap/Sales(3y)2.31%
Cap/Sales(5y)2.29%
Profit Quality(3y)82.33%
Profit Quality(5y)128.82%
High Growth Momentum
Growth
EPS 1Y (TTM)-29.09%
EPS 3Y6.94%
EPS 5Y11.78%
EPS Q2Q%-67.62%
EPS Next Y-44.62%
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
EPS Next 5YN/A
Revenue 1Y (TTM)12.63%
Revenue growth 3Y8.41%
Revenue growth 5Y9.65%
Sales Q2Q%14.65%
Revenue Next Year12.9%
Revenue Next 2Y7.48%
Revenue Next 3Y6.2%
Revenue Next 5Y5.03%
EBIT growth 1Y-26.74%
EBIT growth 3Y-1.75%
EBIT growth 5Y7.89%
EBIT Next Year22.83%
EBIT Next 3Y24.28%
EBIT Next 5YN/A
FCF growth 1Y510.59%
FCF growth 3Y-6.14%
FCF growth 5Y6.22%
OCF growth 1Y141.1%
OCF growth 3Y-1.14%
OCF growth 5Y8.59%
OVB HOLDING AG / O4B.DE FAQ
What is the fundamental rating for O4B stock?
ChartMill assigns a fundamental rating of 6 / 10 to O4B.DE.
What is the valuation status of OVB HOLDING AG (O4B.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to OVB HOLDING AG (O4B.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for OVB HOLDING AG?
OVB HOLDING AG (O4B.DE) has a profitability rating of 6 / 10.
What is the valuation of OVB HOLDING AG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for OVB HOLDING AG (O4B.DE) is 20.87 and the Price/Book (PB) ratio is 3.04.
Can you provide the financial health for O4B stock?
The financial health rating of OVB HOLDING AG (O4B.DE) is 7 / 10.