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BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis

FRA:0B2 - Deutsche Boerse Ag - AT0000BAWAG2 - Common Stock - Currency: EUR

101.1  -3.5 (-3.35%)

Fundamental Rating

4

0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. There are concerns on the financial health of 0B2 while its profitability can be described as average. 0B2 has a correct valuation and a medium growth rate. Finally 0B2 also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years 0B2 has been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B -1B

1.2 Ratios

With an excellent Return On Assets value of 1.27%, 0B2 belongs to the best of the industry, outperforming 80.65% of the companies in the same industry.
0B2 has a Return On Equity of 16.58%. This is amongst the best in the industry. 0B2 outperforms 81.72% of its industry peers.
Industry RankSector Rank
ROA 1.27%
ROE 16.58%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.8%
ROE(3y)11.2%
ROE(5y)10.29%
ROIC(3y)N/A
ROIC(5y)N/A
0B2.DE Yearly ROA, ROE, ROIC0B2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 37.89%, 0B2 belongs to the top of the industry, outperforming 89.25% 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) 37.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y25.82%
PM growth 5Y2.58%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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2

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 less shares outstanding
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.
0B2.DE Yearly Shares Outstanding0B2.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M
0B2.DE Yearly Total Debt VS Total Assets0B2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of 0B2 is 11.49, which is on the high side as it means it would take 0B2, 11.49 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 11.49, 0B2 belongs to the best of the industry, outperforming 83.87% of the companies in the same industry.
A Debt/Equity ratio of 3.48 is on the high side and indicates that 0B2 has dependencies on debt financing.
The Debt to Equity ratio of 0B2 (3.48) is worse than 73.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.48
Debt/FCF 11.49
Altman-Z N/A
ROIC/WACCN/A
WACC7.88%
0B2.DE Yearly LT Debt VS Equity VS FCF0B2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5B 10B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

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5

3. Growth

3.1 Past

0B2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.27%, which is quite good.
Measured over the past years, 0B2 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.63% on average per year.
0B2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.13%.
Measured over the past years, 0B2 shows a small growth in Revenue. The Revenue has been growing by 5.86% on average per year.
EPS 1Y (TTM)14.27%
EPS 3Y37%
EPS 5Y13.63%
EPS Q2Q%0%
Revenue 1Y (TTM)14.13%
Revenue growth 3Y7.12%
Revenue growth 5Y5.86%
Sales Q2Q%-0.61%

3.2 Future

Based on estimates for the next years, 0B2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.71% on average per year.
Based on estimates for the next years, 0B2 will show a small growth in Revenue. The Revenue will grow by 6.46% on average per year.
EPS Next Y9.3%
EPS Next 2Y13.96%
EPS Next 3Y12.25%
EPS Next 5Y8.71%
Revenue Next Year5.2%
Revenue Next 2Y17.93%
Revenue Next 3Y12.38%
Revenue Next 5Y6.46%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
0B2.DE Yearly Revenue VS Estimates0B2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
0B2.DE Yearly EPS VS Estimates0B2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.58 indicates a reasonable valuation of 0B2.
70.97% of the companies in the same industry are cheaper than 0B2, based on the Price/Earnings ratio.
0B2 is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
0B2 is valuated reasonably with a Price/Forward Earnings ratio of 9.40.
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 22.10, 0B2 is valued rather cheaply.
Industry RankSector Rank
PE 11.58
Fwd PE 9.4
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

80.65% of the companies in the same industry are more expensive than 0B2, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.39
EV/EBITDA N/A
0B2.DE Per share data0B2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

0B2's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as 0B2's earnings are expected to grow with 12.25% in the coming years.
PEG (NY)1.25
PEG (5Y)0.85
EPS Next 2Y13.96%
EPS Next 3Y12.25%

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7

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 5.06, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 95.70% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, 0B2 pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.76%

5.2 History

On average, the dividend of 0B2 grows each year by 45.47%, which is quite nice.
Dividend Growth(5Y)45.47%
Div Incr Years2
Div Non Decr Years2
0B2.DE Yearly Dividends per share0B2.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

57.86% of the earnings are spent on dividend by 0B2. 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.
DP57.86%
EPS Next 2Y13.96%
EPS Next 3Y12.25%
0B2.DE Yearly Income VS Free CF VS Dividend0B2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B -1B
0B2.DE Dividend Payout.0B2.DE Dividend Payout, showing the Payout Ratio.0B2.DE Dividend Payout.PayoutRetained Earnings

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BAWAG GROUP AG

FRA:0B2 (3/7/2025, 7:00:00 PM)

101.1

-3.5 (-3.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-04 2025-03-04/amc
Earnings (Next)04-29 2025-04-29
Inst Owners56.01%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap7.95B
Analysts83
Price Target103.08 (1.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend3.8
Dividend Growth(5Y)45.47%
DP57.86%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.46%
Min EPS beat(2)0.02%
Max EPS beat(2)0.91%
EPS beat(4)3
Avg EPS beat(4)0.24%
Min EPS beat(4)-1.26%
Max EPS beat(4)1.29%
EPS beat(8)4
Avg EPS beat(8)-1.18%
EPS beat(12)8
Avg EPS beat(12)1.99%
EPS beat(16)11
Avg EPS beat(16)2.89%
Revenue beat(2)0
Avg Revenue beat(2)-2.22%
Min Revenue beat(2)-2.54%
Max Revenue beat(2)-1.9%
Revenue beat(4)0
Avg Revenue beat(4)-2.52%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)-1.73%
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)7.88%
PT rev (3m)17.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.61%
Revenue NY rev (3m)2.66%
Valuation
Industry RankSector Rank
PE 11.58
Fwd PE 9.4
P/S 4.42
P/FCF 6.39
P/OCF 6.2
P/B 1.94
P/tB 2.22
EV/EBITDA N/A
EPS(TTM)8.73
EY8.64%
EPS(NY)10.75
Fwd EY10.64%
FCF(TTM)15.83
FCFY15.65%
OCF(TTM)16.3
OCFY16.12%
SpS22.87
BVpS52.24
TBVpS45.53
PEG (NY)1.25
PEG (5Y)0.85
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 16.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.89%
GM N/A
FCFM 69.22%
ROA(3y)0.84%
ROA(5y)0.8%
ROE(3y)11.2%
ROE(5y)10.29%
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 3Y25.82%
PM growth 5Y2.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.48
Debt/FCF 11.49
Debt/EBITDA N/A
Cap/Depr 23.57%
Cap/Sales 2.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 182.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.88%
ROIC/WACCN/A
Cap/Depr(3y)28.84%
Cap/Depr(5y)34.85%
Cap/Sales(3y)2.77%
Cap/Sales(5y)2.88%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.27%
EPS 3Y37%
EPS 5Y13.63%
EPS Q2Q%0%
EPS Next Y9.3%
EPS Next 2Y13.96%
EPS Next 3Y12.25%
EPS Next 5Y8.71%
Revenue 1Y (TTM)14.13%
Revenue growth 3Y7.12%
Revenue growth 5Y5.86%
Sales Q2Q%-0.61%
Revenue Next Year5.2%
Revenue Next 2Y17.93%
Revenue Next 3Y12.38%
Revenue Next 5Y6.46%
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 1Y3987.5%
FCF growth 3Y-5.24%
FCF growth 5YN/A
OCF growth 1Y4826.92%
OCF growth 3Y-4.89%
OCF growth 5YN/A