BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:0B2 - AT0000BAWAG2 - Common Stock
131.8 EUR
+0.1 (+0.08%)
0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 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 decent growth rate and is not valued too expensively. Finally 0B2 also has an excellent dividend rating.
1. Profitability
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.
In the past 5 years 0B2 has always been profitable.
Of the past 5 years 0B2 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.09%, 0B2 is in the better half of the industry, outperforming 69.30% of the companies in the same industry.
0B2's Return On Equity of 16.90% is amongst the best of the industry. 0B2 outperforms 85.09% 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
Looking at the Profit Margin, with a value of 34.46%, 0B2 belongs to the top of the industry, outperforming 86.84% 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 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.
The number of shares outstanding for 0B2 has been reduced compared to 5 years ago.
0B2 has a better debt/assets ratio than last year.
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 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.4%
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.
The Revenue has grown by 11.07% in the past year. This is quite good.
0B2 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.95% yearly.
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 Y14.6%
EPS Next 2Y15.56%
EPS Next 3Y14.78%
EPS Next 5Y9.33%
Revenue Next Year37.27%
Revenue Next 2Y21.09%
Revenue Next 3Y15.4%
Revenue Next 5Y8.13%
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.
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
Based on the Price/Earnings ratio of 11.99, the valuation of 0B2 can be described as reasonable.
0B2's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.00. 0B2 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.27, which indicates a very decent valuation of 0B2.
Based on the Price/Forward Earnings ratio, 0B2 is valued a bit cheaper than the industry average as 70.18% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, 0B2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 10.27 |
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.
A more expensive valuation may be justified as 0B2's earnings are expected to grow with 14.78% in the coming years.
PEG (NY)0.82
PEG (5Y)0.77
EPS Next 2Y15.56%
EPS Next 3Y14.78%
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 3.98, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 95.61% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, 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
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 2Y15.56%
EPS Next 3Y14.78%
FRA:0B2 (1/8/2026, 7:00:00 PM)
131.8
+0.1 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.43%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap10.15B
Revenue(TTM)1.92B
Net Income(TTM)795.50M
Analysts82.11
Price Target133 (0.91%)
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)-0.21%
PT rev (3m)2.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)0%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 10.27 | ||
| P/S | 4.4 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.16 | ||
| P/tB | 2.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.99
EY8.34%
EPS(NY)12.83
Fwd EY9.74%
FCF(TTM)-8.48
FCFYN/A
OCF(TTM)-7.84
OCFYN/A
SpS29.98
BVpS61.14
TBVpS54.23
PEG (NY)0.82
PEG (5Y)0.77
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
WACC8.4%
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 Y14.6%
EPS Next 2Y15.56%
EPS Next 3Y14.78%
EPS Next 5Y9.33%
Revenue 1Y (TTM)11.07%
Revenue growth 3Y7.51%
Revenue growth 5Y5.95%
Sales Q2Q%42.97%
Revenue Next Year37.27%
Revenue Next 2Y21.09%
Revenue Next 3Y15.4%
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 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 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%.