0B2 Fundamental Analysis - BAWAG GROUP AG

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to 0B2. 0B2 was compared to 95 industry peers in the Banks industry. 0B2 has a medium profitability rating, but doesn't score so well on its financial health evaluation. 0B2 has a correct valuation and a medium growth rate. 0B2 also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year 0B2 was profitable.

0B2 had a negative operating cash flow in the past year.

0B2 had positive earnings in each of the past 5 years.

0B2 had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.09%, 0B2 is in the better half of the industry, outperforming 73.68% of the companies in the same industry.

With an excellent Return On Equity value of 16.90%, 0B2 belongs to the best of the industry, outperforming 88.42% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.09%
ROE	16.9%
ROIC	N/A

ROA(3y)0.91%

ROA(5y)0.81%

ROE(3y)12.92%

ROE(5y)11.08%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 34.46%, 0B2 belongs to the top of the industry, outperforming 85.26% of the companies in the same industry.

In the last couple of years the Profit Margin of 0B2 has grown nicely.

The Operating Margin and Gross Margin are not available for 0B2 so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.46%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y9.26%

PM growth 5Y4.48%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

0B2 does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for 0B2 remains at a similar level compared to 1 year ago.

0B2 has less shares outstanding than it did 5 years ago.

0B2 has a better debt/assets ratio than last year.

2.2 Solvency

0B2 has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.

0B2 has a worse Debt to Equity ratio (3.77) than 80.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.77
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.93%, which is quite good.

Measured over the past years, 0B2 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.63% on average per year.

0B2 shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.90%.

The Revenue has been growing slightly by 5.95% on average over the past years.

EPS 1Y (TTM)19.93%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%19.37%

Revenue 1Y (TTM)29.9%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%39.98%

3.2 Future

0B2 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.01% yearly.

The Revenue is expected to grow by 7.81% on average over the next years.

EPS Next Y13.32%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

EPS Next 5Y9.01%

Revenue Next Year36.55%

Revenue Next 2Y20.31%

Revenue Next 3Y15.13%

Revenue Next 5Y7.81%

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.

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

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.76 indicates a reasonable valuation of 0B2.

The rest of the industry has a similar Price/Earnings ratio as 0B2.

0B2 is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.

0B2 is valuated reasonably with a Price/Forward Earnings ratio of 9.04.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 0B2 indicates a somewhat cheap valuation: 0B2 is cheaper than 78.95% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.77. 0B2 is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.76
Fwd PE	9.04

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

0B2's 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 14.30% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.81

PEG (5Y)0.69

EPS Next 2Y13.91%

EPS Next 3Y14.3%

More info and screens

Show best valued peers

5. Dividend

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 4.93, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 92.63% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, 0B2 pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.76%

5.2 History

On average, the dividend of 0B2 grows each year by 16.72%, which is quite nice.

Dividend Growth(5Y)16.72%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

54.31% of the earnings are spent on dividend by 0B2. This is a bit on the high side, but may be sustainable.

0B2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP54.31%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BAWAG GROUP AG

FRA:0B2 (9/15/2025, 7:00:00 PM)

112.7

+0.2 (+0.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-27 2025-10-27

Inst Owners52.24%

Inst Owner ChangeN/A

Ins Owners0.52%

Ins Owner ChangeN/A

Market Cap8.86B

Analysts81.05

Price Target129.66 (15.05%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend5.01

Dividend Growth(5Y)16.72%

DP54.31%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1.75%

Min EPS beat(2)-6.89%

Max EPS beat(2)3.4%

EPS beat(4)3

Avg EPS beat(4)4.46%

Min EPS beat(4)-6.89%

Max EPS beat(4)19%

EPS beat(8)6

Avg EPS beat(8)2.35%

EPS beat(12)7

Avg EPS beat(12)0.7%

EPS beat(16)11

Avg EPS beat(16)2.61%

Revenue beat(2)0

Avg Revenue beat(2)-3.56%

Min Revenue beat(2)-4.74%

Max Revenue beat(2)-2.37%

Revenue beat(4)0

Avg Revenue beat(4)-3.34%

Min Revenue beat(4)-4.74%

Max Revenue beat(4)-2.37%

Revenue beat(8)0

Avg Revenue beat(8)-2.93%

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)7.34%

PT rev (3m)7.44%

EPS NQ rev (1m)0%

EPS NQ rev (3m)9.24%

EPS NY rev (1m)-0.57%

EPS NY rev (3m)-0.57%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)17.11%

Revenue NY rev (1m)-0.13%

Revenue NY rev (3m)-0.09%

Valuation

		Industry Rank	Sector Rank
PE	10.76
Fwd PE	9.04
P/S	3.84
P/FCF	N/A
P/OCF	N/A
P/B	1.88
P/tB	2.12
EV/EBITDA	N/A

EPS(TTM)10.47

EY9.29%

EPS(NY)12.47

Fwd EY11.06%

FCF(TTM)-8.31

FCFYN/A

OCF(TTM)-7.68

OCFYN/A

SpS29.37

BVpS59.9

TBVpS53.13

PEG (NY)0.81

PEG (5Y)0.69

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	16.9%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.46%
GM	N/A
FCFM	N/A

ROA(3y)0.91%

ROA(5y)0.81%

ROE(3y)12.92%

ROE(5y)11.08%

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 3Y9.26%

PM growth 5Y4.48%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.77
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	35.77%
Cap/Sales	2.12%
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

WACC8.06%

ROIC/WACCN/A

Cap/Depr(3y)23.53%

Cap/Depr(5y)26.39%

Cap/Sales(3y)2.75%

Cap/Sales(5y)2.49%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)19.93%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%19.37%

EPS Next Y13.32%

EPS Next 2Y13.91%

EPS Next 3Y14.3%

EPS Next 5Y9.01%

Revenue 1Y (TTM)29.9%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%39.98%

Revenue Next Year36.55%

Revenue Next 2Y20.31%

Revenue Next 3Y15.13%

Revenue Next 5Y7.81%

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-151.06%

FCF growth 3Y64.09%

FCF growth 5YN/A

OCF growth 1Y-145.72%

OCF growth 3Y58.57%

OCF growth 5YN/A

BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens