OVB HOLDING AG (O4B.DE) Fundamental Analysis & Valuation

FRA:O4B • DE0006286560

Current stock price

22.6 EUR
+0.8 (+3.67%)
Last:

This O4B.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. O4B.DE Profitability Analysis

1.1 Basic Checks

  • In the past year O4B was profitable.
  • In the past year O4B had a positive cash flow from operations.
  • Each year in the past 5 years O4B has been profitable.
  • Each year in the past 5 years O4B had a positive operating cash flow.
O4B.DE Yearly Net Income VS EBIT VS OCF VS FCFO4B.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • O4B has a better Return On Assets (3.76%) than 71.93% of its industry peers.
  • With a decent Return On Equity value of 12.34%, O4B is doing good in the industry, outperforming 67.54% of the companies in the same industry.
  • O4B's Return On Invested Capital of 8.75% is amongst the best of the industry. O4B outperforms 81.58% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for O4B is above the industry average of 9.16%.
  • The 3 year average ROIC (13.60%) for O4B is well above the current ROIC(8.75%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 3.76%
ROE 12.34%
ROIC 8.75%
ROA(3y)5.79%
ROA(5y)5.59%
ROE(3y)16.61%
ROE(5y)15.76%
ROIC(3y)13.6%
ROIC(5y)13.23%
O4B.DE Yearly ROA, ROE, ROICO4B.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • O4B has a Profit Margin (2.61%) which is in line with its industry peers.
  • O4B's Profit Margin has improved in the last couple of years.
  • O4B has a Operating Margin (2.88%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of O4B has declined.
  • O4B's Gross Margin of 32.01% is fine compared to the rest of the industry. O4B outperforms 62.28% of its industry peers.
  • O4B's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 2.88%
PM (TTM) 2.61%
GM 32.01%
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%
O4B.DE Yearly Profit, Operating, Gross MarginsO4B.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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7

2. O4B.DE Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, O4B has about the same amount of shares outstanding.
  • The number of shares outstanding for O4B remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for O4B has been reduced compared to a year ago.
O4B.DE Yearly Shares OutstandingO4B.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
O4B.DE Yearly Total Debt VS Total AssetsO4B.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

  • An Altman-Z score of 2.91 indicates that O4B is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • O4B has a better Altman-Z score (2.91) than 79.82% of its industry peers.
  • The Debt to FCF ratio of O4B is 0.59, which is an excellent value as it means it would take O4B, only 0.59 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.59, O4B belongs to the top of the industry, outperforming 93.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.08 indicates that O4B is not too dependend on debt financing.
  • O4B has a better Debt to Equity ratio (0.08) than 81.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.59
Altman-Z 2.91
ROIC/WACCN/A
WACCN/A
O4B.DE Yearly LT Debt VS Equity VS FCFO4B.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.3 Liquidity

  • O4B has a Current Ratio of 1.30. This is a normal value and indicates that O4B is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of O4B (1.30) is better than 72.81% of its industry peers.
  • O4B has a Quick Ratio of 1.30. This is a normal value and indicates that O4B is financially healthy and should not expect problems in meeting its short term obligations.
  • O4B has a better Quick ratio (1.30) than 72.81% of its industry peers.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
O4B.DE Yearly Current Assets VS Current LiabilitesO4B.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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4

3. O4B.DE Growth Analysis

3.1 Past

  • O4B shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.37%.
  • The Earnings Per Share has been growing by 11.78% on average over the past years. This is quite good.
  • The Revenue has grown by 11.99% in the past year. This is quite good.
  • 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)-38.37%
EPS 3Y6.94%
EPS 5Y11.78%
EPS Q2Q%-37.93%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y8.41%
Revenue growth 5Y9.65%
Sales Q2Q%10.98%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.76% on average over the next years.
  • The Revenue is expected to grow by 4.42% 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 5Y4.42%

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 decreasing.
O4B.DE Yearly Revenue VS EstimatesO4B.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 100M 200M 300M 400M 500M
O4B.DE Yearly EPS VS EstimatesO4B.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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4

4. O4B.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 27.90, the valuation of O4B can be described as expensive.
  • O4B's Price/Earnings is on the same level as the industry average.
  • O4B's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.54.
  • Based on the Price/Forward Earnings ratio of 18.96, the valuation of O4B can be described as rather expensive.
  • O4B's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. O4B is cheaper than 65.79% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.70. O4B is around the same levels.
Industry RankSector Rank
PE 27.9
Fwd PE 18.96
O4B.DE Price Earnings VS Forward Price EarningsO4B.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of O4B indicates a rather cheap valuation: O4B is cheaper than 90.35% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, O4B is valued a bit cheaper than the industry average as 78.95% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 19.14
EV/EBITDA 5.67
O4B.DE Per share dataO4B.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • O4B has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.37
EPS Next 2Y-4.73%
EPS Next 3Y1.76%

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5

5. O4B.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.46%, O4B is a good candidate for dividend investing.
  • O4B's Dividend Yield is a higher than the industry average which is at 3.25.
  • Compared to an average S&P500 Dividend Yield of 1.89, O4B pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.46%

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
O4B.DE Yearly Dividends per shareO4B.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 126.59% of the earnings are spent on dividend by O4B. This is not a sustainable payout ratio.
  • The dividend of O4B is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP126.59%
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
O4B.DE Yearly Income VS Free CF VS DividendO4B.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
O4B.DE Dividend Payout.O4B.DE Dividend Payout, showing the Payout Ratio.O4B.DE Dividend Payout.PayoutRetained Earnings

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O4B.DE Fundamentals: All Metrics, Ratios and Statistics

OVB HOLDING AG

FRA:O4B (3/23/2026, 7:00:00 PM)

22.6

+0.8 (+3.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-03
Earnings (Next)03-26
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap322.05M
Revenue(TTM)439.24M
Net Income(TTM)11.45M
Analysts76.67
Price Target22.44 (-0.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.46%
Yearly Dividend0.9
Dividend Growth(5Y)3.71%
DP126.59%
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)96.37%
Min EPS beat(2)-63.7%
Max EPS beat(2)256.44%
EPS beat(4)2
Avg EPS beat(4)34.8%
Min EPS beat(4)-69.06%
Max EPS beat(4)256.44%
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)2.54%
Min Revenue beat(2)0.93%
Max Revenue beat(2)4.15%
Revenue beat(4)4
Avg Revenue beat(4)5.72%
Min Revenue beat(4)0.93%
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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 27.9
Fwd PE 18.96
P/S 0.73
P/FCF 19.14
P/OCF 11.93
P/B 3.47
P/tB 4.36
EV/EBITDA 5.67
EPS(TTM)0.81
EY3.58%
EPS(NY)1.19
Fwd EY5.27%
FCF(TTM)1.18
FCFY5.22%
OCF(TTM)1.89
OCFY8.38%
SpS30.82
BVpS6.51
TBVpS5.18
PEG (NY)N/A
PEG (5Y)2.37
Graham Number10.9
Profitability
Industry RankSector Rank
ROA 3.76%
ROE 12.34%
ROCE 12.17%
ROIC 8.75%
ROICexc N/A
ROICexgc N/A
OM 2.88%
PM (TTM) 2.61%
GM 32.01%
FCFM 3.83%
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 Turnover1.44
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.59
Debt/EBITDA 0.3
Cap/Depr 87.59%
Cap/Sales 2.32%
Interest Coverage 30.8
Cash Conversion 111.35%
Profit Quality 146.89%
Current Ratio 1.3
Quick Ratio 1.3
Altman-Z 2.91
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)-38.37%
EPS 3Y6.94%
EPS 5Y11.78%
EPS Q2Q%-37.93%
EPS Next Y-44.62%
EPS Next 2Y-4.73%
EPS Next 3Y1.76%
EPS Next 5YN/A
Revenue 1Y (TTM)11.99%
Revenue growth 3Y8.41%
Revenue growth 5Y9.65%
Sales Q2Q%10.98%
Revenue Next Year12.9%
Revenue Next 2Y7.48%
Revenue Next 3Y6.2%
Revenue Next 5Y4.42%
EBIT growth 1Y-37.86%
EBIT growth 3Y-1.75%
EBIT growth 5Y7.89%
EBIT Next Year22.73%
EBIT Next 3Y24.28%
EBIT Next 5YN/A
FCF growth 1Y235.99%
FCF growth 3Y-6.14%
FCF growth 5Y6.22%
OCF growth 1Y112.17%
OCF growth 3Y-1.14%
OCF growth 5Y8.59%

OVB HOLDING AG / O4B.DE Fundamental Analysis FAQ

What is the fundamental rating for O4B stock?

ChartMill assigns a fundamental rating of 6 / 10 to O4B.DE.


Can you provide the valuation status for OVB HOLDING AG?

ChartMill assigns a valuation rating of 4 / 10 to OVB HOLDING AG (O4B.DE). This can be considered as Fairly Valued.


How profitable is OVB HOLDING AG (O4B.DE) stock?

OVB HOLDING AG (O4B.DE) has a profitability rating of 7 / 10.


What are the PE and PB ratios of OVB HOLDING AG (O4B.DE) stock?

The Price/Earnings (PE) ratio for OVB HOLDING AG (O4B.DE) is 27.9 and the Price/Book (PB) ratio is 3.47.


Is the dividend of OVB HOLDING AG sustainable?

The dividend rating of OVB HOLDING AG (O4B.DE) is 5 / 10 and the dividend payout ratio is 126.59%.