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ABN AMRO BANK NV-CVA (ABN.AS) Stock Fundamental Analysis

AMS:ABN - Euronext Amsterdam - NL0011540547 - Currency: EUR

19.52  +0.27 (+1.4%)

Fundamental Rating

3

Overall ABN gets a fundamental rating of 3 out of 10. We evaluated ABN against 99 industry peers in the Banks industry. ABN may be in some trouble as it scores bad on both profitability and health. ABN has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ABN had positive earnings in the past year.
ABN had positive earnings in 4 of the past 5 years.
In multiple years ABN reported negative operating cash flow during the last 5 years.
ABN.AS Yearly Net Income VS EBIT VS OCF VS FCFABN.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B

1.2 Ratios

ABN has a Return On Assets of 0.59%. This is comparable to the rest of the industry: ABN outperforms 43.01% of its industry peers.
With a Return On Equity value of 8.63%, ABN perfoms like the industry average, outperforming 49.46% of the companies in the same industry.
Industry RankSector Rank
ROA 0.59%
ROE 8.63%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)9.07%
ROE(5y)6.33%
ROIC(3y)N/A
ROIC(5y)N/A
ABN.AS Yearly ROA, ROE, ROICABN.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

The Profit Margin of ABN (23.52%) is better than 60.22% of its industry peers.
In the last couple of years the Profit Margin of ABN has grown nicely.
The Operating Margin and Gross Margin are not available for ABN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.22%
PM growth 5Y4.73%
GM growth 3YN/A
GM growth 5YN/A
ABN.AS Yearly Profit, Operating, Gross MarginsABN.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

ABN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ABN has less shares outstanding
ABN has less shares outstanding than it did 5 years ago.
ABN has a worse debt/assets ratio than last year.
ABN.AS Yearly Shares OutstandingABN.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
ABN.AS Yearly Total Debt VS Total AssetsABN.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

ABN has a Debt/Equity ratio of 3.51. This is a high value indicating a heavy dependency on external financing.
ABN's Debt to Equity ratio of 3.51 is on the low side compared to the rest of the industry. ABN is outperformed by 75.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.19%
ABN.AS Yearly LT Debt VS Equity VS FCFABN.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ABN.AS Yearly Current Assets VS Current LiabilitesABN.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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2

3. Growth

3.1 Past

The earnings per share for ABN have decreased strongly by -10.11% in the last year.
Measured over the past 5 years, ABN shows a small growth in Earnings Per Share. The EPS has been growing by 5.30% on average per year.
ABN shows a small growth in Revenue. In the last year, the Revenue has grown by 3.01%.
The Revenue has been decreasing by -1.63% on average over the past years.
EPS 1Y (TTM)-10.11%
EPS 3Y30.36%
EPS 5Y5.3%
EPS Q2Q%-28.48%
Revenue 1Y (TTM)3.01%
Revenue growth 3Y-0.58%
Revenue growth 5Y-1.63%
Sales Q2Q%18.62%

3.2 Future

Based on estimates for the next years, ABN will show a decrease in Earnings Per Share. The EPS will decrease by -0.42% on average per year.
The Revenue is expected to grow by 0.35% on average over the next years.
EPS Next Y-11.44%
EPS Next 2Y-4.07%
EPS Next 3Y0.64%
EPS Next 5Y-0.42%
Revenue Next Year0.03%
Revenue Next 2Y0.75%
Revenue Next 3Y1.15%
Revenue Next 5Y0.35%

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.
ABN.AS Yearly Revenue VS EstimatesABN.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
ABN.AS Yearly EPS VS EstimatesABN.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.28, the valuation of ABN can be described as very cheap.
79.57% of the companies in the same industry are more expensive than ABN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.35, ABN is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.03, the valuation of ABN can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ABN is valued cheaply inside the industry as 81.72% of the companies are valued more expensively.
ABN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 7.28
Fwd PE 8.03
ABN.AS Price Earnings VS Forward Price EarningsABN.AS 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
ABN.AS Per share dataABN.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.37
EPS Next 2Y-4.07%
EPS Next 3Y0.64%

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6

5. Dividend

5.1 Amount

ABN has a Yearly Dividend Yield of 7.01%, which is a nice return.
Compared to an average industry Dividend Yield of 5.06, ABN pays a better dividend. On top of this ABN pays more dividend than 87.10% of the companies listed in the same industry.
ABN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 7.01%

5.2 History

The dividend of ABN has a limited annual growth rate of 3.05%.
Dividend Growth(5Y)3.05%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y-4.07%
EPS Next 3Y0.64%
ABN.AS Yearly Income VS Free CF VS DividendABN.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B

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ABN AMRO BANK NV-CVA

AMS:ABN (3/7/2025, 7:00:00 PM)

19.52

+0.27 (+1.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12 2025-02-12/amc
Earnings (Next)05-14 2025-05-14
Inst Owners40.99%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap10.52B
Analysts53.64
Price Target18.25 (-6.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.01%
Yearly Dividend1.27
Dividend Growth(5Y)3.05%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)6.1%
Min Revenue beat(2)1.9%
Max Revenue beat(2)10.3%
Revenue beat(4)4
Avg Revenue beat(4)4.01%
Min Revenue beat(4)1.16%
Max Revenue beat(4)10.3%
Revenue beat(8)7
Avg Revenue beat(8)2.6%
Revenue beat(12)11
Avg Revenue beat(12)7.73%
Revenue beat(16)15
Avg Revenue beat(16)10.47%
PT rev (1m)4.23%
PT rev (3m)3.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.08%
EPS NY rev (1m)3.25%
EPS NY rev (3m)3.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.41%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 7.28
Fwd PE 8.03
P/S 1.1
P/FCF N/A
P/OCF N/A
P/B 0.4
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)2.68
EY13.73%
EPS(NY)2.43
Fwd EY12.45%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS17.76
BVpS48.42
TBVpS48.42
PEG (NY)N/A
PEG (5Y)1.37
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 8.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.52%
GM N/A
FCFM N/A
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)9.07%
ROE(5y)6.33%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y26.22%
PM growth 5Y4.73%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 3.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-ScoreN/A
WACC10.19%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.11%
EPS 3Y30.36%
EPS 5Y5.3%
EPS Q2Q%-28.48%
EPS Next Y-11.44%
EPS Next 2Y-4.07%
EPS Next 3Y0.64%
EPS Next 5Y-0.42%
Revenue 1Y (TTM)3.01%
Revenue growth 3Y-0.58%
Revenue growth 5Y-1.63%
Sales Q2Q%18.62%
Revenue Next Year0.03%
Revenue Next 2Y0.75%
Revenue Next 3Y1.15%
Revenue Next 5Y0.35%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A