BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:0B2 - AT0000BAWAG2 - Common Stock
136.7 EUR
-0.9 (-0.65%)
Overall 0B2 gets a fundamental rating of 4 out of 10. We evaluated 0B2 against 114 industry peers in the Banks industry. While 0B2 is still in line with the averages on profitability rating, there are concerns on its financial health. 0B2 has a correct valuation and a medium growth rate. 0B2 also has an excellent dividend rating.
1. Profitability
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.
- 0B2 had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- 0B2 has a better Return On Assets (1.09%) than 69.30% of its industry peers.
- The Return On Equity of 0B2 (16.90%) is better than 84.21% 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
- With an excellent Profit Margin value of 34.46%, 0B2 belongs to the best of the industry, outperforming 85.96% of the companies in the same industry.
- 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 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.
- Compared to 1 year ago, 0B2 has about the same amount of shares outstanding.
- Compared to 5 years ago, 0B2 has less shares outstanding
- 0B2 has a better debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 3.77 is on the high side and indicates that 0B2 has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 3.77, 0B2 is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.39%
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.
- 0B2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.07%.
- 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 9.01% yearly.
- 0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.82% yearly.
EPS Next Y14.6%
EPS Next 2Y15.59%
EPS Next 3Y14.95%
EPS Next 5Y9.01%
Revenue Next Year37.27%
Revenue Next 2Y21.09%
Revenue Next 3Y15.4%
Revenue Next 5Y7.82%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.44, 0B2 is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a slightly more expensive valuation: 0B2 is more expensive than 69.30% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.25. 0B2 is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 10.65 indicates a reasonable valuation of 0B2.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 0B2 is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, 0B2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 10.65 |
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.
- A more expensive valuation may be justified as 0B2's earnings are expected to grow with 14.95% in the coming years.
PEG (NY)0.85
PEG (5Y)0.8
EPS Next 2Y15.59%
EPS Next 3Y14.95%
5. Dividend
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 3.93, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 93.86% 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 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.
- 0B2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.31%
EPS Next 2Y15.59%
EPS Next 3Y14.95%
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 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.
How profitable is BAWAG GROUP AG (0B2.DE) stock?
BAWAG GROUP AG (0B2.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for 0B2 stock?
The financial health rating of BAWAG GROUP AG (0B2.DE) is 1 / 10.
Can you provide the dividend sustainability for 0B2 stock?
The dividend rating of BAWAG GROUP AG (0B2.DE) is 7 / 10 and the dividend payout ratio is 54.31%.