BAWAG GROUP AG (0B2.DE) Fundamental Analysis & Valuation
FRA:0B2 • AT0000BAWAG2
Current stock price
146.3 EUR
+1.5 (+1.04%)
Last:
This 0B2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. 0B2.DE Profitability Analysis
1.1 Basic Checks
- 0B2 had positive earnings in the past year.
- 0B2 had a negative operating cash flow in the past year.
- 0B2 had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: 0B2 reported negative operating cash flow in multiple years.
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.
- With an excellent Return On Equity value of 16.83%, 0B2 belongs to the best of the industry, outperforming 84.16% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of 0B2 (31.44%) is better than 81.19% 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) | 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
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.
- The number of shares outstanding for 0B2 has been reduced compared to 1 year ago.
- The number of shares outstanding for 0B2 has been reduced compared to 5 years ago.
- The debt/assets ratio for 0B2 is higher compared to a year ago.
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 worse Debt to Equity ratio (3.64) than 86.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. 0B2.DE Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 13.11% over the past year.
- The Earnings Per Share has been growing by 27.55% on average over the past years. This is a very strong growth
- The Revenue has grown by 34.58% in the past year. This is a very strong growth!
- 0B2 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.94% yearly.
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
- The Earnings Per Share is expected to grow by 12.92% on average over the next years. This is quite good.
- 0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.39% yearly.
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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
4. 0B2.DE Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.46, the valuation of 0B2 can be described as correct.
- Based on the Price/Earnings ratio, 0B2 is valued more expensive than 80.20% of the companies in the same industry.
- 0B2's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.91.
- With a Price/Forward Earnings ratio of 11.24, the valuation of 0B2 can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as 0B2.
- 0B2 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 11.24 |
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 14.86% 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%
5. 0B2.DE Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 7.76%, 0B2 is a good candidate for dividend investing.
- 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.
- 0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.76% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
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 Fundamentals: All Metrics, Ratios and Statistics
FRA:0B2 (4/27/2026, 7:00:00 PM)
146.3
+1.5 (+1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2026-04-21
Earnings (Next)07-21 2026-07-21
Inst Owners60.61%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap11.27B
Revenue(TTM)2.59B
Net Income(TTM)813.70M
Analysts81.11
Price Target154.29 (5.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 11.24 | ||
| P/S | 4.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.33 | ||
| P/tB | 2.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.87
EY7.43%
EPS(NY)13.01
Fwd EY8.89%
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 (-15.29%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.59%
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.