BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:0B2 • AT0000BAWAG2
138.3 EUR
-0.3 (-0.22%)
Last: Jan 29, 2026, 07:00 PM
Overall 0B2 gets a fundamental rating of 4 out of 10. We evaluated 0B2 against 114 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 decent growth rate and is not valued too expensively. Finally 0B2 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year 0B2 was profitable.
- In the past year 0B2 has reported a negative cash flow from operations.
- Each year in the past 5 years 0B2 has been profitable.
- Of the past 5 years 0B2 4 years had a positive operating cash flow.
1.2 Ratios
- 0B2 has a Return On Assets of 1.09%. This is in the better half of the industry: 0B2 outperforms 69.30% of its industry peers.
- 0B2 has a Return On Equity of 16.90%. This is amongst the best in the industry. 0B2 outperforms 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
- 0B2's Profit Margin of 34.46% is amongst the best of the industry. 0B2 outperforms 85.96% 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.
- The number of shares outstanding for 0B2 remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, 0B2 has less shares outstanding
- The debt/assets ratio for 0B2 has been reduced compared to a year ago.
2.2 Solvency
- 0B2 has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.
- 0B2 has a Debt to Equity ratio of 3.77. This is amonst the worse of the industry: 0B2 underperforms 83.33% of its industry peers.
| 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
- The Earnings Per Share has grown by an impressive 25.89% over the past year.
- The Earnings Per Share has been growing by 15.63% on average over the past years. This is quite good.
- 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 9.01% on average per year.
- Based on estimates for the next years, 0B2 will show a small growth in Revenue. The Revenue will grow by 7.82% on average per year.
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.58, which indicates a correct valuation of 0B2.
- Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a slightly more expensive valuation: 0B2 is more expensive than 73.68% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of 0B2 to the average of the S&P500 Index (28.39), we can say 0B2 is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.77 indicates a reasonable valuation of 0B2.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 0B2 indicates a somewhat cheap valuation: 0B2 is cheaper than 60.53% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, 0B2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.58 | ||
| Fwd PE | 10.77 |
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)0.86
PEG (5Y)0.81
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.
- 0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| 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
- 0B2 pays out 54.31% 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.
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%.