ABN AMRO Bank N.V.
ABN AMRO Bank N.V. Fundamental Analysis
ABN AMRO Bank N.V. (ABN.AS) shows moderate financial fundamentals with a PE ratio of 11.95, profit margin of 15.50%, and ROE of 9.12%. The company generates $15.0B in annual revenue with weak year-over-year growth of -13.43%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 17.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ABN.AS's fundamental strength across five key dimensions:
Efficiency Score
WeakABN.AS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentABN.AS trades at attractive valuation levels.
Growth Score
WeakABN.AS faces weak or negative growth trends.
Financial Health Score
ModerateABN.AS shows balanced financial health with some risks.
Profitability Score
WeakABN.AS struggles to sustain strong margins.
Key Financial Metrics
Is ABN.AS Expensive or Cheap?
P/E Ratio
ABN.AS trades at 11.95 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ABN.AS's PEG of -1.68 indicates potential undervaluation.
Price to Book
The market values ABN AMRO Bank N.V. at 1.14 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -9.53 times EBITDA. This is generally considered low.
How Well Does ABN.AS Make Money?
Net Profit Margin
For every $100 in sales, ABN AMRO Bank N.V. keeps $15.50 as profit after all expenses.
Operating Margin
Core operations generate 21.30 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.12 in profit for every $100 of shareholder equity.
ROA
ABN AMRO Bank N.V. generates $0.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ABN AMRO Bank N.V. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
ABN AMRO Bank N.V. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
ABN.AS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.68
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.14
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.97
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.80
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How ABN.AS Stacks Against Its Sector Peers
| Metric | ABN.AS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.95 | 18.97 | Better (Cheaper) |
| ROE | 9.12% | 804.00% | Weak |
| Net Margin | 15.50% | -7722.00% (disorted) | Strong |
| Debt/Equity | 4.97 | 2.38 | Weak (High Leverage) |
| Current Ratio | 2.80 | 561.06 | Strong Liquidity |
| ROA | 0.49% | -21175.00% (disorted) | Weak |
ABN.AS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ABN AMRO Bank N.V.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
240.79%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
5770.35%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
55.20%
Industry Style: Value, Dividend, Cyclical
High Growth