BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - FRA:0B2 - AT0000BAWAG2 - Common Stock
113.7 EUR
-2.6 (-2.24%)
0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 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.
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 has a Return On Assets of 1.09%. This is in the better half of the industry: 0B2 outperforms 70.83% of its industry peers.
Looking at the Return On Equity, with a value of 16.90%, 0B2 belongs to the top of the industry, outperforming 88.54% of the companies in the same industry.
| 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
0B2 has a Profit Margin of 34.46%. This is amongst the best in the industry. 0B2 outperforms 84.38% of its industry peers.
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 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.
0B2 has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for 0B2 has been reduced compared to 5 years ago.
The debt/assets ratio for 0B2 has been reduced compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.77 is on the high side and indicates that 0B2 has dependencies on debt financing.
The Debt to Equity ratio of 0B2 (3.77) is worse than 79.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.22%
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.
Looking at the last year, 0B2 shows a quite strong growth in Revenue. The Revenue has grown by 11.07% in the last year.
The Revenue has been growing slightly by 5.95% on average over the past years.
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
Based on estimates for the next years, 0B2 will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.33% on average per year.
The Revenue is expected to grow by 8.13% on average over the next years. This is quite good.
EPS Next Y14.69%
EPS Next 2Y15.5%
EPS Next 3Y14.74%
EPS Next 5Y9.33%
Revenue Next Year37.09%
Revenue Next 2Y20.99%
Revenue Next 3Y15.34%
Revenue Next 5Y8.13%
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
0B2 is valuated reasonably with a Price/Earnings ratio of 10.35.
The rest of the industry has a similar Price/Earnings ratio as 0B2.
0B2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.89.
0B2 is valuated reasonably with a Price/Forward Earnings ratio of 8.87.
84.38% of the companies in the same industry are more expensive than 0B2, based on the Price/Forward Earnings ratio.
0B2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 8.87 |
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 14.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)0.66
EPS Next 2Y15.5%
EPS Next 3Y14.74%
5. Dividend
5.1 Amount
0B2 has a Yearly Dividend Yield of 7.76%, which is a nice return.
0B2's Dividend Yield is rather good when compared to the industry average which is at 4.79. 0B2 pays more dividend than 94.79% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, 0B2 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.76% |
5.2 History
The dividend of 0B2 is nicely growing with an annual growth rate of 16.72%!
Dividend Growth(5Y)16.72%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
54.31% 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.
DP54.31%
EPS Next 2Y15.5%
EPS Next 3Y14.74%
FRA:0B2 (11/14/2025, 7:00:00 PM)
113.7
-2.6 (-2.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.76%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap8.75B
Revenue(TTM)1.92B
Net Income(TTM)795.50M
Analysts82.11
Price Target132.43 (16.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.76% |
Yearly Dividend5.01
Dividend Growth(5Y)16.72%
DP54.31%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.75%
Min EPS beat(2)-6.89%
Max EPS beat(2)3.4%
EPS beat(4)3
Avg EPS beat(4)4.46%
Min EPS beat(4)-6.89%
Max EPS beat(4)19%
EPS beat(8)6
Avg EPS beat(8)2.35%
EPS beat(12)7
Avg EPS beat(12)0.7%
EPS beat(16)11
Avg EPS beat(16)2.61%
Revenue beat(2)0
Avg Revenue beat(2)-3.56%
Min Revenue beat(2)-4.74%
Max Revenue beat(2)-2.37%
Revenue beat(4)0
Avg Revenue beat(4)-3.34%
Min Revenue beat(4)-4.74%
Max Revenue beat(4)-2.37%
Revenue beat(8)0
Avg Revenue beat(8)-2.93%
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)2.22%
PT rev (3m)9.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)0.23%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)-1.14%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 8.87 | ||
| P/S | 3.79 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.86 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.99
EY9.67%
EPS(NY)12.82
Fwd EY11.28%
FCF(TTM)-8.48
FCFYN/A
OCF(TTM)-7.84
OCFYN/A
SpS29.98
BVpS61.14
TBVpS54.23
PEG (NY)0.7
PEG (5Y)0.66
Graham Number122.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 16.9% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.46% | ||
| GM | N/A | ||
| FCFM | 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
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 3Y9.26%
PM growth 5Y4.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.77% | ||
| Cap/Sales | 2.12% | ||
| 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-Score2
WACC8.22%
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)25.89%
EPS 3Y21.26%
EPS 5Y15.63%
EPS Q2Q%23.11%
EPS Next Y14.69%
EPS Next 2Y15.5%
EPS Next 3Y14.74%
EPS Next 5Y9.33%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%42.97%
Revenue Next Year37.09%
Revenue Next 2Y20.99%
Revenue Next 3Y15.34%
Revenue Next 5Y8.13%
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-151.06%
FCF growth 3Y64.09%
FCF growth 5YN/A
OCF growth 1Y-145.72%
OCF growth 3Y58.57%
OCF growth 5YN/A
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 for 0B2 stock?
ChartMill assigns a valuation rating of 5 / 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.
What is the earnings growth outlook for BAWAG GROUP AG?
The Earnings per Share (EPS) of BAWAG GROUP AG (0B2.DE) is expected to grow by 14.69% in the next year.
Is the dividend of BAWAG GROUP AG sustainable?
The dividend rating of BAWAG GROUP AG (0B2.DE) is 7 / 10 and the dividend payout ratio is 54.31%.