0B2 Fundamental Analysis - BAWAG GROUP AG

Fundamental Rating

Overall 0B2 gets a fundamental rating of 4 out of 10. We evaluated 0B2 against 89 industry peers in the Banks industry. 0B2 has a medium profitability rating, but doesn't score so well on its financial health evaluation. 0B2 is not valued too expensively and it also shows a decent growth rate. Finally 0B2 also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

0B2 had positive earnings in the past year.

In the past year 0B2 had a positive cash flow from operations.

In the past 5 years 0B2 has always been profitable.

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

1.2 Ratios

0B2's Return On Assets of 1.03% is fine compared to the rest of the industry. 0B2 outperforms 70.79% of its industry peers.

Looking at the Return On Equity, with a value of 15.59%, 0B2 belongs to the top of the industry, outperforming 83.15% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.03%
ROE	15.59%
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 37.12%. This is amongst the best in the industry. 0B2 outperforms 88.76% of its industry peers.

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)	37.12%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

Compared to 1 year ago, 0B2 has about the same amount of shares outstanding.

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

The debt/assets ratio for 0B2 has been reduced compared to a year ago.

2.2 Solvency

0B2 has a debt to FCF ratio of 14.48. This is a negative value and a sign of low solvency as 0B2 would need 14.48 years to pay back of all of its debts.

0B2 has a Debt to FCF ratio of 14.48. This is amongst the best in the industry. 0B2 outperforms 85.39% of its industry peers.

A Debt/Equity ratio of 3.65 is on the high side and indicates that 0B2 has dependencies on debt financing.

0B2's Debt to Equity ratio of 3.65 is on the low side compared to the rest of the industry. 0B2 is outperformed by 78.65% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.65
Debt/FCF	14.48
Altman-Z	N/A

ROIC/WACCN/A

WACC8.01%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.40%, which is quite good.

The Earnings Per Share has been growing by 15.63% on average over the past years. This is quite good.

The Revenue has grown by 11.07% in the past year. This is quite good.

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

EPS 1Y (TTM)15.4%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%20.38%

Revenue 1Y (TTM)11.07%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%36.15%

3.2 Future

0B2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.12% yearly.

The Revenue is expected to grow by 3.94% on average over the next years.

EPS Next Y13.97%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

EPS Next 5Y4.12%

Revenue Next Year36.67%

Revenue Next 2Y20.09%

Revenue Next 3Y14.96%

Revenue Next 5Y3.94%

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.96, the valuation of 0B2 can be described as very reasonable.

68.54% of the companies in the same industry are cheaper than 0B2, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of 0B2 to the average of the S&P500 Index (27.30), we can say 0B2 is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.77, the valuation of 0B2 can be described as very reasonable.

Based on the Price/Forward Earnings ratio, 0B2 is valued a bit cheaper than the industry average as 74.16% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of 0B2 to the average of the S&P500 Index (21.76), we can say 0B2 is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	8.77

4.2 Price Multiples

0B2's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 0B2 is cheaper than 82.02% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.25
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 14.40% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.78

PEG (5Y)0.7

EPS Next 2Y14.24%

EPS Next 3Y14.4%

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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 5.20, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 93.26% 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 2.37.

		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

53.25% 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.

DP53.25%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

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BAWAG GROUP AG

FRA:0B2 (7/11/2025, 7:00:00 PM)

110

+0.5 (+0.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/bmo

Earnings (Next)07-31 2025-07-31

Inst Owners52.24%

Inst Owner ChangeN/A

Ins Owners0.52%

Ins Owner ChangeN/A

Market Cap8.65B

Analysts83.16

Price Target120.79 (9.81%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend5.01

Dividend Growth(5Y)16.72%

DP53.25%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.66%

Min EPS beat(2)2.32%

Max EPS beat(2)19%

EPS beat(4)4

Avg EPS beat(4)5.56%

Min EPS beat(4)0.02%

Max EPS beat(4)19%

EPS beat(8)6

Avg EPS beat(8)3%

EPS beat(12)8

Avg EPS beat(12)1.52%

EPS beat(16)12

Avg EPS beat(16)4.27%

Revenue beat(2)0

Avg Revenue beat(2)-3.12%

Min Revenue beat(2)-3.68%

Max Revenue beat(2)-2.55%

Revenue beat(4)0

Avg Revenue beat(4)-2.67%

Min Revenue beat(4)-3.68%

Max Revenue beat(4)-1.9%

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)3.91%

PT rev (3m)4.44%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-10%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.53%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.64%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.38%

Valuation

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	8.77
P/S	4.35
P/FCF	7.25
P/OCF	6.95
P/B	1.83
P/tB	2.06
EV/EBITDA	N/A

EPS(TTM)10.04

EY9.13%

EPS(NY)12.54

Fwd EY11.4%

FCF(TTM)15.18

FCFY13.8%

OCF(TTM)15.83

OCFY14.39%

SpS25.3

BVpS60.22

TBVpS53.45

PEG (NY)0.78

PEG (5Y)0.7

Profitability

		Industry Rank	Sector Rank
ROA	1.03%
ROE	15.59%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	37.12%
GM	N/A
FCFM	60%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.65
Debt/FCF	14.48
Debt/EBITDA	N/A
Cap/Depr	37.23%
Cap/Sales	2.57%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	161.65%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC8.01%

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)15.4%

EPS 3Y21.26%

EPS 5Y15.63%

EPS Q2Q%20.38%

EPS Next Y13.97%

EPS Next 2Y14.24%

EPS Next 3Y14.4%

EPS Next 5Y4.12%

Revenue 1Y (TTM)11.07%

Revenue growth 3Y7.51%

Revenue growth 5Y5.95%

Sales Q2Q%36.15%

Revenue Next Year36.67%

Revenue Next 2Y20.09%

Revenue Next 3Y14.96%

Revenue Next 5Y3.94%

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-2.69%

FCF growth 3Y64.09%

FCF growth 5YN/A

OCF growth 1Y-1.11%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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