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.

4

1. 0B2.DE Profitability Analysis

1.1 Basic Checks

  • 0B2 had positive earnings in the past year.
  • In the past year 0B2 has reported a negative cash flow from operations.
  • 0B2 had positive earnings in each of the past 5 years.
  • In multiple years 0B2 reported negative operating cash flow during the last 5 years.
0B2.DE Yearly Net Income VS EBIT VS OCF VS FCF0B2.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B -2B -3B

1.2 Ratios

  • 0B2 has a Return On Assets of 1.13%. This is in the better half of the industry: 0B2 outperforms 71.29% of its industry peers.
  • Looking at the Return On Equity, with a value of 16.83%, 0B2 belongs to the top of the industry, outperforming 84.16% of the companies in the same industry.
Industry RankSector 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
0B2.DE Yearly ROA, ROE, ROIC0B2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 31.44%, 0B2 belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 0B2 has grown nicely.
  • 0B2 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
0B2.DE Yearly Profit, Operating, Gross Margins0B2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

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.
  • 0B2 has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 0B2 has a worse debt to assets ratio.
0B2.DE Yearly Shares Outstanding0B2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
0B2.DE Yearly Total Debt VS Total Assets0B2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • 0B2 has a Debt/Equity ratio of 3.64. This is a high value indicating a heavy dependency on external financing.
  • 0B2's Debt to Equity ratio of 3.64 is on the low side compared to the rest of the industry. 0B2 is outperformed by 86.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.59%
0B2.DE Yearly LT Debt VS Equity VS FCF0B2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
0B2.DE Yearly Current Assets VS Current Liabilites0B2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. 0B2.DE Growth Analysis

3.1 Past

  • 0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.11%, which is quite good.
  • 0B2 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.55% yearly.
  • Looking at the last year, 0B2 shows a very strong growth in Revenue. The Revenue has grown by 34.58%.
  • 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.
  • Based on estimates for the next years, 0B2 will show a small growth in Revenue. The Revenue will grow by 4.39% on average per year.
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
0B2.DE Yearly Revenue VS Estimates0B2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B 2.5B
0B2.DE Yearly EPS VS Estimates0B2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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4

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.
  • Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a rather expensive valuation: 0B2 more expensive than 80.20% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.15. 0B2 is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 11.24, which indicates a very decent valuation of 0B2.
  • 0B2's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.12. 0B2 is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.46
Fwd PE 11.24
0B2.DE Price Earnings VS Forward Price Earnings0B2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
0B2.DE Per share data0B2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 60

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 14.86% 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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 0B2.DE Dividend Analysis

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 4.48, 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 RankSector Rank
Dividend Yield 7.76%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
0B2.DE Yearly Dividends per share0B2.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 0B2 pays out 53.09% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP53.09%
EPS Next 2Y16.99%
EPS Next 3Y14.86%
0B2.DE Yearly Income VS Free CF VS Dividend0B2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B -2B -3B
0B2.DE Dividend Payout.0B2.DE Dividend Payout, showing the Payout Ratio.0B2.DE Dividend Payout.PayoutRetained Earnings

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0B2.DE Fundamentals: All Metrics, Ratios and Statistics

BAWAG GROUP AG

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
Earnings (Next)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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.