ABN AMRO BANK NV-CVA(AMS:ABN) stock Fundamental Analysis

Fundamental Rating

Overall ABN gets a fundamental rating of 3 out of 10. We evaluated ABN against 95 industry peers in the Banks industry. ABN may be in some trouble as it scores bad on both profitability and health. ABN is valued correctly, but it does not seem to be growing. Finally ABN also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ABN was profitable.

ABN had a negative operating cash flow in the past year.

Of the past 5 years ABN 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: ABN reported negative operating cash flow in multiple years.

1.2 Ratios

ABN has a Return On Assets of 0.59%. This is comparable to the rest of the industry: ABN outperforms 46.32% of its industry peers.

ABN has a Return On Equity of 8.75%. This is comparable to the rest of the industry: ABN outperforms 48.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.59%
ROE	8.75%
ROIC	N/A

ROA(3y)0.58%

ROA(5y)0.4%

ROE(3y)9.1%

ROE(5y)6.35%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of ABN (23.83%) is better than 68.42% of its industry peers.

ABN's Profit Margin has improved in the last couple of years.

ABN 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)	23.83%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y26.68%

PM growth 5Y4.95%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ABN does not have a ROIC to compare to the WACC, probably because it is not profitable.

ABN has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, ABN has less shares outstanding

The debt/assets ratio for ABN is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.47 is on the high side and indicates that ABN has dependencies on debt financing.

ABN has a worse Debt to Equity ratio (2.47) than 62.11% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.47
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.28%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ABN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.70%.

The Earnings Per Share has been growing slightly by 5.46% on average over the past years.

The Revenue has been growing slightly by 3.02% in the past year.

Measured over the past years, ABN shows a decrease in Revenue. The Revenue has been decreasing by -1.59% on average per year.

EPS 1Y (TTM)-9.7%

EPS 3Y30.68%

EPS 5Y5.46%

EPS Q2Q%-28.33%

Revenue 1Y (TTM)3.02%

Revenue growth 3Y-0.5%

Revenue growth 5Y-1.59%

Sales Q2Q%9.75%

3.2 Future

Based on estimates for the next years, ABN will show a small growth in Earnings Per Share. The EPS will grow by 1.26% on average per year.

ABN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.24% yearly.

EPS Next Y-9.79%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

EPS Next 5Y1.26%

Revenue Next Year0.03%

Revenue Next 2Y0.75%

Revenue Next 3Y1.15%

Revenue Next 5Y-0.24%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ABN is valuated cheaply with a Price/Earnings ratio of 6.65.

Compared to the rest of the industry, the Price/Earnings ratio of ABN indicates a rather cheap valuation: ABN is cheaper than 83.16% of the companies listed in the same industry.

ABN is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 7.37 indicates a rather cheap valuation of ABN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ABN indicates a rather cheap valuation: ABN is cheaper than 86.32% of the companies listed in the same industry.

ABN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.

		Industry Rank	Sector Rank
PE	6.65
Fwd PE	7.37

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.22

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.50%, ABN is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.47, ABN pays a better dividend. On top of this ABN pays more dividend than 85.26% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, ABN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.5%

5.2 History

The dividend of ABN has a limited annual growth rate of 0.22%.

Dividend Growth(5Y)0.22%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

54.49% of the earnings are spent on dividend by ABN. This is a bit on the high side, but may be sustainable.

ABN's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP54.49%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

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ABN AMRO BANK NV-CVA

AMS:ABN (4/25/2025, 7:00:00 PM)

17.945

-0.39 (-2.15%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)05-14 2025-05-14

Inst Owners40.99%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap10.05B

Analysts53.64

Price Target19.33 (7.72%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.5%

Yearly Dividend1.46

Dividend Growth(5Y)0.22%

DP54.49%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)10.42%

Min EPS beat(2)-2.93%

Max EPS beat(2)23.76%

EPS beat(4)3

Avg EPS beat(4)16.81%

Min EPS beat(4)-2.93%

Max EPS beat(4)34.8%

EPS beat(8)7

Avg EPS beat(8)27.95%

EPS beat(12)11

Avg EPS beat(12)49.6%

EPS beat(16)14

Avg EPS beat(16)48.5%

Revenue beat(2)2

Avg Revenue beat(2)1.86%

Min Revenue beat(2)1.82%

Max Revenue beat(2)1.9%

Revenue beat(4)4

Avg Revenue beat(4)1.89%

Min Revenue beat(4)1.16%

Max Revenue beat(4)2.66%

Revenue beat(8)7

Avg Revenue beat(8)1.54%

Revenue beat(12)11

Avg Revenue beat(12)7.02%

Revenue beat(16)15

Avg Revenue beat(16)9.94%

PT rev (1m)5.92%

PT rev (3m)10.62%

EPS NQ rev (1m)-0.73%

EPS NQ rev (3m)9.06%

EPS NY rev (1m)0.2%

EPS NY rev (3m)3.38%

Revenue NQ rev (1m)-0.09%

Revenue NQ rev (3m)-0.05%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.3%

Valuation

		Industry Rank	Sector Rank
PE	6.65
Fwd PE	7.37
P/S	1.05
P/FCF	N/A
P/OCF	N/A
P/B	0.39
P/tB	0.39
EV/EBITDA	N/A

EPS(TTM)2.7

EY15.05%

EPS(NY)2.44

Fwd EY13.57%

FCF(TTM)-20.08

FCFYN/A

OCF(TTM)-19.27

OCFYN/A

SpS17.1

BVpS46.6

TBVpS46.15

PEG (NY)N/A

PEG (5Y)1.22

Profitability

		Industry Rank	Sector Rank
ROA	0.59%
ROE	8.75%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.83%
GM	N/A
FCFM	N/A

ROA(3y)0.58%

ROA(5y)0.4%

ROE(3y)9.1%

ROE(5y)6.35%

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 3Y26.68%

PM growth 5Y4.95%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.47
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	282.5%
Cap/Sales	4.72%
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-Score5

WACC9.28%

ROIC/WACCN/A

Cap/Depr(3y)169.11%

Cap/Depr(5y)137.34%

Cap/Sales(3y)3.36%

Cap/Sales(5y)2.89%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-9.7%

EPS 3Y30.68%

EPS 5Y5.46%

EPS Q2Q%-28.33%

EPS Next Y-9.79%

EPS Next 2Y-2.34%

EPS Next 3Y1.85%

EPS Next 5Y1.26%

Revenue 1Y (TTM)3.02%

Revenue growth 3Y-0.5%

Revenue growth 5Y-1.59%

Sales Q2Q%9.75%

Revenue Next Year0.03%

Revenue Next 2Y0.75%

Revenue Next 3Y1.15%

Revenue Next 5Y-0.24%

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-20.7%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-19.57%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens