BAWAG GROUP AG (0B2.DE) Fundamental Analysis & Valuation

FRA:0B2 • AT0000BAWAG2

Current stock price

146 EUR
-0.6 (-0.41%)
Last:

This 0B2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 0B2.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 0B2 was profitable.
  • In the past year 0B2 has reported a negative cash flow from operations.
  • Each year in the past 5 years 0B2 has been profitable.
  • In multiple years 0B2 reported negative operating cash flow during the last 5 years.
0B2.DE Yearly Net Income VS EBIT VS OCF VS FCF0B2.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 2025 0 1B -1B -2B -3B

1.2 Ratios

  • With a decent Return On Assets value of 1.13%, 0B2 is doing good in the industry, outperforming 71.29% of the companies in the same industry.
  • 0B2 has a Return On Equity of 16.83%. This is amongst the best in the industry. 0B2 outperforms 84.16% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 16.83%
ROIC N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)16.07%
ROE(5y)13.2%
ROIC(3y)N/A
ROIC(5y)N/A
0B2.DE Yearly ROA, ROE, ROIC0B2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 0B2 has a Profit Margin of 31.44%. This is amongst the best in the industry. 0B2 outperforms 81.19% of its industry peers.
  • 0B2's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 0B2 so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y17.46%
PM growth 5Y10.47%
GM growth 3YN/A
GM growth 5YN/A
0B2.DE Yearly Profit, Operating, Gross Margins0B2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. 0B2.DE Health Analysis

2.1 Basic Checks

  • 0B2 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 0B2 has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, 0B2 has less shares outstanding
  • Compared to 1 year ago, 0B2 has a worse debt to assets ratio.
0B2.DE Yearly Shares Outstanding0B2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
0B2.DE Yearly Total Debt VS Total Assets0B2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • A Debt/Equity ratio of 3.64 is on the high side and indicates that 0B2 has dependencies on debt financing.
  • 0B2 has a Debt to Equity ratio of 3.64. This is amonst the worse of the industry: 0B2 underperforms 86.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.6%
0B2.DE Yearly LT Debt VS Equity VS FCF0B2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
0B2.DE Yearly Current Assets VS Current Liabilites0B2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 0B2.DE Growth Analysis

3.1 Past

  • 0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.11%, which is quite good.
  • Measured over the past years, 0B2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.55% on average per year.
  • Looking at the last year, 0B2 shows a very strong growth in Revenue. The Revenue has grown by 34.58%.
  • The Revenue has been growing by 12.94% on average over the past years. This is quite good.
EPS 1Y (TTM)13.11%
EPS 3Y23.72%
EPS 5Y27.55%
EPS Q2Q%-3.96%
Revenue 1Y (TTM)34.58%
Revenue growth 3Y19.49%
Revenue growth 5Y12.94%
Sales Q2Q%28%

3.2 Future

  • Based on estimates for the next years, 0B2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.92% on average per year.
  • The Revenue is expected to grow by 4.39% on average over the next years.
EPS Next Y19.71%
EPS Next 2Y16.99%
EPS Next 3Y14.86%
EPS Next 5Y12.92%
Revenue Next Year7.47%
Revenue Next 2Y6.28%
Revenue Next 3Y5.53%
Revenue Next 5Y4.39%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • 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.
0B2.DE Yearly Revenue VS Estimates0B2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B 2.5B
0B2.DE Yearly EPS VS Estimates0B2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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4

4. 0B2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.43, 0B2 is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a rather expensive valuation: 0B2 more expensive than 80.20% of the companies listed in the same industry.
  • 0B2 is valuated rather cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.22, the valuation of 0B2 can be described as very reasonable.
  • 0B2's Price/Forward Earnings ratio is in line with the industry average.
  • 0B2 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.43
Fwd PE 11.22
0B2.DE Price Earnings VS Forward Price Earnings0B2.DE 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
0B2.DE Per share data0B2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 0B2's earnings are expected to grow with 14.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)0.49
EPS Next 2Y16.99%
EPS Next 3Y14.86%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 0B2.DE Dividend Analysis

5.1 Amount

  • 0B2 has a Yearly Dividend Yield of 7.76%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.48, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 93.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, 0B2 pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.76%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
0B2.DE Yearly Dividends per share0B2.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 53.09% of the earnings are spent on dividend by 0B2. This is a bit on the high side, but may be sustainable.
DP53.09%
EPS Next 2Y16.99%
EPS Next 3Y14.86%
0B2.DE Yearly Income VS Free CF VS Dividend0B2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B -2B -3B
0B2.DE Dividend Payout.0B2.DE Dividend Payout, showing the Payout Ratio.0B2.DE Dividend Payout.PayoutRetained Earnings

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0B2.DE Fundamentals: All Metrics, Ratios and Statistics

BAWAG GROUP AG

FRA:0B2 (4/30/2026, 7:00:00 PM)

146

-0.6 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-21
Earnings (Next)07-21
Inst Owners60.61%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap11.24B
Revenue(TTM)2.59B
Net Income(TTM)813.70M
Analysts81.11
Price Target154.29 (5.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend5.56
Dividend Growth(5Y)N/A
DP53.09%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.6%
Min EPS beat(2)-2.8%
Max EPS beat(2)-2.41%
EPS beat(4)1
Avg EPS beat(4)-2.18%
Min EPS beat(4)-6.89%
Max EPS beat(4)3.4%
EPS beat(8)5
Avg EPS beat(8)1.69%
EPS beat(12)7
Avg EPS beat(12)1.27%
EPS beat(16)9
Avg EPS beat(16)0.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.7%
Min Revenue beat(2)-3.58%
Max Revenue beat(2)-1.82%
Revenue beat(4)0
Avg Revenue beat(4)-3.13%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)-1.82%
Revenue beat(8)0
Avg Revenue beat(8)-2.9%
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)4.37%
PT rev (3m)16%
EPS NQ rev (1m)4.07%
EPS NQ rev (3m)10.1%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)1.34%
Revenue NQ rev (1m)-0.33%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 13.43
Fwd PE 11.22
P/S 4.34
P/FCF N/A
P/OCF N/A
P/B 2.32
P/tB 2.61
EV/EBITDA N/A
EPS(TTM)10.87
EY7.45%
EPS(NY)13.01
Fwd EY8.91%
FCF(TTM)-43.79
FCFYN/A
OCF(TTM)-42.55
OCFYN/A
SpS33.61
BVpS62.81
TBVpS55.86
PEG (NY)0.68
PEG (5Y)0.49
Graham Number123.938 (-15.11%)
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 16.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.44%
GM N/A
FCFM N/A
ROA(3y)1.12%
ROA(5y)0.94%
ROE(3y)16.07%
ROE(5y)13.2%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y17.46%
PM growth 5Y10.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 37.8%
Cap/Sales 3.71%
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
WACC7.6%
ROIC/WACCN/A
Cap/Depr(3y)31.8%
Cap/Depr(5y)32.31%
Cap/Sales(3y)2.74%
Cap/Sales(5y)2.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.11%
EPS 3Y23.72%
EPS 5Y27.55%
EPS Q2Q%-3.96%
EPS Next Y19.71%
EPS Next 2Y16.99%
EPS Next 3Y14.86%
EPS Next 5Y12.92%
Revenue 1Y (TTM)34.58%
Revenue growth 3Y19.49%
Revenue growth 5Y12.94%
Sales Q2Q%28%
Revenue Next Year7.47%
Revenue Next 2Y6.28%
Revenue Next 3Y5.53%
Revenue Next 5Y4.39%
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-382.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-363.34%
OCF growth 3YN/A
OCF growth 5YN/A

BAWAG GROUP AG / 0B2.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BAWAG GROUP AG?

ChartMill assigns a fundamental rating of 4 / 10 to 0B2.DE.


What is the valuation status of BAWAG GROUP AG (0B2.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to BAWAG GROUP AG (0B2.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for BAWAG GROUP AG?

BAWAG GROUP AG (0B2.DE) has a profitability rating of 4 / 10.


How financially healthy is BAWAG GROUP AG?

The financial health rating of BAWAG GROUP AG (0B2.DE) is 1 / 10.


What is the expected EPS growth for BAWAG GROUP AG (0B2.DE) stock?

The Earnings per Share (EPS) of BAWAG GROUP AG (0B2.DE) is expected to grow by 19.71% in the next year.