BAWAG GROUP AG (0B2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:0B2 - AT0000BAWAG2 - Common Stock
136.1 EUR
+5 (+3.81%)
Taking everything into account, 0B2 scores 4 out of 10 in our fundamental rating. 0B2 was compared to 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 has a correct valuation and a medium 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.
- 0B2 had a positive operating cash flow in 4 of the past 5 years.
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 70.34% of the companies in the same industry.
- 0B2 has a Return On Equity of 16.90%. This is amongst the best in the industry. 0B2 outperforms 84.75% 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
- With an excellent Profit Margin value of 34.46%, 0B2 belongs to the best of the industry, outperforming 84.75% 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.
- 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's Debt to Equity ratio of 3.77 is on the low side compared to the rest of the industry. 0B2 is outperformed by 82.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.36%
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.
- 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.
- 0B2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.82% yearly.
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
- Based on the Price/Earnings ratio of 12.38, the valuation of 0B2 can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of 0B2 indicates a slightly more expensive valuation: 0B2 is more expensive than 60.17% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, 0B2 is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.61, which indicates a very decent valuation of 0B2.
- 0B2's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 0B2 is cheaper than 66.95% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of 0B2 to the average of the S&P500 Index (24.29), we can say 0B2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.38 | ||
| Fwd PE | 10.61 |
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)0.85
PEG (5Y)0.79
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.
- 0B2's Dividend Yield is rather good when compared to the industry average which is at 4.03. 0B2 pays more dividend than 94.92% of the companies in the same industry.
- 0B2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| 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
- 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 (1/16/2026, 7:00:00 PM)
136.1
+5 (+3.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)03-02 2026-03-02
Inst Owners58.43%
Inst Owner ChangeN/A
Ins Owners0.54%
Ins Owner ChangeN/A
Market Cap10.48B
Revenue(TTM)1.92B
Net Income(TTM)795.50M
Analysts82.11
Price Target133 (-2.28%)
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%
PT rev (3m)2.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.14%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.38 | ||
| Fwd PE | 10.61 | ||
| P/S | 4.54 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.23 | ||
| P/tB | 2.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.99
EY8.07%
EPS(NY)12.83
Fwd EY9.43%
FCF(TTM)-8.48
FCFYN/A
OCF(TTM)-7.84
OCFYN/A
SpS29.98
BVpS61.14
TBVpS54.23
PEG (NY)0.85
PEG (5Y)0.79
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
WACC8.36%
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 5Y9.01%
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 5Y7.82%
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 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%.