BAWAG GROUP AG (0B2.DE) Fundamental Analysis & Valuation

FRA:0B2 • AT0000BAWAG2

Current stock price

119.1 EUR
-1.4 (-1.16%)
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.
  • 0B2 had a negative operating cash flow in the past year.
  • 0B2 had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 0B2 reported negative operating cash flow in multiple 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 0 500M -500M 1B -1B

1.2 Ratios

  • The Return On Assets of 0B2 (1.01%) is better than 61.95% of its industry peers.
  • 0B2 has a better Return On Equity (15.68%) than 81.42% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 15.68%
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
0B2.DE Yearly ROA, ROE, ROIC0B2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • 0B2 has a better Profit Margin (38.38%) than 88.50% 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 RankSector Rank
OM N/A
PM (TTM) 38.38%
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
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 10 20 30 40

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0

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.
  • 0B2 has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
0B2.DE Yearly Shares Outstanding0B2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B

2.2 Solvency

  • 0B2 has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of 0B2 (3.77) is worse than 87.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.77
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.49%
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 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 50M 100M 150M 200M

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

4

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.
  • Measured over the past years, 0B2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.55% on average per year.
EPS 1Y (TTM)13.11%
EPS 3Y23.72%
EPS 5Y27.55%
EPS Q2Q%-3.96%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28%

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 13.04% on average per year.
  • The Revenue is expected to grow by 4.50% on average over the next years.
EPS Next Y20.28%
EPS Next 2Y17.33%
EPS Next 3Y14.74%
EPS Next 5Y13.04%
Revenue Next Year7.55%
Revenue Next 2Y6.4%
Revenue Next 3Y5.57%
Revenue Next 5Y4.5%

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.
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 20

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5

4. 0B2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.96, the valuation of 0B2 can be described as reasonable.
  • 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 25.70.
  • With a Price/Forward Earnings ratio of 9.11, 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 75.22% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, 0B2 is valued rather cheaply.
Industry RankSector Rank
PE 10.96
Fwd PE 9.11
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 40 60

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.
  • A more expensive valuation may be justified as 0B2's earnings are expected to grow with 14.74% in the coming years.
PEG (NY)0.54
PEG (5Y)0.4
EPS Next 2Y17.33%
EPS Next 3Y14.74%

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7

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 4.59, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 93.81% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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 16.72%, which is quite nice.
Dividend Growth(5Y)16.72%
Div Incr Years3
Div Non Decr Years3
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 58.54% of its income as dividend. 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.
DP58.54%
EPS Next 2Y17.33%
EPS Next 3Y14.74%
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 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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0B2.DE Fundamentals: All Metrics, Ratios and Statistics

BAWAG GROUP AG

FRA:0B2 (3/13/2026, 7:00:00 PM)

119.1

-1.4 (-1.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)04-27
Inst Owners57.67%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap9.17B
Revenue(TTM)N/A
Net Income(TTM)738.00M
Analysts82.11
Price Target147.83 (24.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend5.01
Dividend Growth(5Y)16.72%
DP58.54%
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)1.56%
PT rev (3m)11.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.72%
EPS NY rev (3m)-0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 9.11
P/S 4.77
P/FCF N/A
P/OCF N/A
P/B 1.95
P/tB 2.2
EV/EBITDA N/A
EPS(TTM)10.87
EY9.13%
EPS(NY)13.07
Fwd EY10.98%
FCF(TTM)-8.48
FCFYN/A
OCF(TTM)-7.84
OCFYN/A
SpS24.98
BVpS61.14
TBVpS54.23
PEG (NY)0.54
PEG (5Y)0.4
Graham Number122.29
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 15.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.38%
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-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.77
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 35.77%
Cap/Sales 2.55%
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-Score3
WACC8.49%
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)13.11%
EPS 3Y23.72%
EPS 5Y27.55%
EPS Q2Q%-3.96%
EPS Next Y20.28%
EPS Next 2Y17.33%
EPS Next 3Y14.74%
EPS Next 5Y13.04%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28%
Revenue Next Year7.55%
Revenue Next 2Y6.4%
Revenue Next 3Y5.57%
Revenue Next 5Y4.5%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BAWAG GROUP AG?

ChartMill assigns a fundamental rating of 3 / 10 to 0B2.DE.


What is the valuation status of BAWAG GROUP AG (0B2.DE) 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 3 / 10.


Can you provide the financial health for 0B2 stock?

The financial health rating of BAWAG GROUP AG (0B2.DE) is 0 / 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 58.54%.