BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - FRA:0B2 - AT0000BAWAG2 - Common Stock
111.2 EUR
-1 (-0.89%)
Taking everything into account, 0B2 scores 4 out of 10 in our fundamental rating. 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 decent growth rate and is not valued too expensively. Finally 0B2 also has an excellent dividend rating.
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.
Of the past 5 years 0B2 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.09%, 0B2 is doing good in the industry, outperforming 71.58% of the companies in the same industry.
0B2's Return On Equity of 16.90% is amongst the best of the industry. 0B2 outperforms 86.32% of its industry peers.
| 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
0B2 has a Profit Margin of 34.46%. This is amongst the best in the industry. 0B2 outperforms 85.26% of its industry peers.
0B2's Profit Margin has improved in the last couple of years.
0B2 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
2. Health
2.1 Basic Checks
0B2 does not have a ROIC to compare to the WACC, probably because it is not profitable.
0B2 has about the same amout of shares outstanding than it did 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.
With a Debt to Equity ratio value of 3.77, 0B2 is not doing good in the industry: 78.95% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.89%, which is quite impressive.
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.
The Revenue has grown by 11.07% in the past year. This is quite good.
0B2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.95% yearly.
EPS 1Y (TTM)25.89%
EPS 3Y21.26%
EPS 5Y15.63%
EPS Q2Q%23.11%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%42.97%
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 8.91% yearly.
0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.71% yearly.
EPS Next Y14.42%
EPS Next 2Y14.39%
EPS Next 3Y14.42%
EPS Next 5Y8.91%
Revenue Next Year36.55%
Revenue Next 2Y20.31%
Revenue Next 3Y15.13%
Revenue Next 5Y7.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.12, which indicates a very decent valuation of 0B2.
0B2's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of 0B2 to the average of the S&P500 Index (25.83), we can say 0B2 is valued rather cheaply.
The Price/Forward Earnings ratio is 8.84, which indicates a very decent valuation of 0B2.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 0B2 indicates a rather cheap valuation: 0B2 is cheaper than 81.05% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. 0B2 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 8.84 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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 14.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)0.65
EPS Next 2Y14.39%
EPS Next 3Y14.42%
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 4.84, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 92.63% of the companies listed in the same industry.
0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| 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
0B2 pays out 54.31% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of 0B2 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.31%
EPS Next 2Y14.39%
EPS Next 3Y14.42%
FRA:0B2 (11/7/2025, 7:00:00 PM)
111.2
-1 (-0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.76%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap8.56B
Revenue(TTM)1.92B
Net Income(TTM)795.50M
Analysts82.11
Price Target130.84 (17.66%)
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)0.91%
PT rev (3m)8.32%
EPS NQ rev (1m)1.72%
EPS NQ rev (3m)1.34%
EPS NY rev (1m)0%
EPS NY rev (3m)0.4%
Revenue NQ rev (1m)-0.36%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.12 | ||
| Fwd PE | 8.84 | ||
| P/S | 3.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.82 | ||
| P/tB | 2.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.99
EY9.88%
EPS(NY)12.57
Fwd EY11.31%
FCF(TTM)-8.48
FCFYN/A
OCF(TTM)-7.84
OCFYN/A
SpS29.98
BVpS61.14
TBVpS54.23
PEG (NY)0.7
PEG (5Y)0.65
Graham Number122.96
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
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 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
WACC8.04%
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)25.89%
EPS 3Y21.26%
EPS 5Y15.63%
EPS Q2Q%23.11%
EPS Next Y14.42%
EPS Next 2Y14.39%
EPS Next 3Y14.42%
EPS Next 5Y8.91%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%42.97%
Revenue Next Year36.55%
Revenue Next 2Y20.31%
Revenue Next 3Y15.13%
Revenue Next 5Y7.71%
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 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 for 0B2 stock?
ChartMill assigns a valuation rating of 5 / 10 to BAWAG GROUP AG (0B2.DE). This can be considered as Fairly Valued.
How profitable is BAWAG GROUP AG (0B2.DE) stock?
BAWAG GROUP AG (0B2.DE) has a profitability rating of 4 / 10.
What is the earnings growth outlook for BAWAG GROUP AG?
The Earnings per Share (EPS) of BAWAG GROUP AG (0B2.DE) is expected to grow by 14.42% in the next year.
Is the dividend of BAWAG GROUP AG sustainable?
The dividend rating of BAWAG GROUP AG (0B2.DE) is 7 / 10 and the dividend payout ratio is 54.31%.