BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:0B2 - AT0000BAWAG2 - Common Stock
137.6 EUR
+0.3 (+0.22%)
0B2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. 0B2 has a medium profitability rating, but doesn't score so well on its financial health evaluation. 0B2 is not valued too expensively and it also shows a decent growth rate. 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.
- 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
- 0B2 has a Return On Assets of 1.09%. This is in the better half of the industry: 0B2 outperforms 69.37% of its industry peers.
- 0B2's Return On Equity of 16.90% is amongst the best of the industry. 0B2 outperforms 82.88% 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 has a better Profit Margin (34.46%) than 85.59% of its industry peers.
- 0B2's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for 0B2 so they could not be analyzed.
| 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.
- Compared to 1 year ago, 0B2 has about the same amount of shares outstanding.
- 0B2 has less shares outstanding than it did 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.
- 0B2 has a Debt to Equity ratio of 3.77. This is amonst the worse of the industry: 0B2 underperforms 82.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.35%
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.
- 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
- 0B2 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.01% yearly.
- The Revenue is expected to grow by 7.82% on average over the next years.
EPS Next Y14.6%
EPS Next 2Y15.56%
EPS Next 3Y14.78%
EPS Next 5Y9.01%
Revenue Next Year37.27%
Revenue Next 2Y21.09%
Revenue Next 3Y15.4%
Revenue Next 5Y7.82%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- 0B2 is valuated correctly with a Price/Earnings ratio of 12.52.
- 0B2's Price/Earnings ratio is a bit more expensive when compared to the industry. 0B2 is more expensive than 68.47% of the companies in the same industry.
- 0B2 is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 10.72 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 63.06% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of 0B2 to the average of the S&P500 Index (24.26), we can say 0B2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.52 | ||
| Fwd PE | 10.72 |
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)0.86
PEG (5Y)0.8
EPS Next 2Y15.56%
EPS Next 3Y14.78%
5. Dividend
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 4.03, 0B2 pays a better dividend. On top of this 0B2 pays more dividend than 94.59% 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
- 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
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.
- 0B2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.31%
EPS Next 2Y15.56%
EPS Next 3Y14.78%
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%.