UmweltBank AG
UmweltBank AG Fundamental Analysis
UmweltBank AG (UBK.DE) shows moderate financial fundamentals with a PE ratio of 20.54, profit margin of 15.83%, and ROE of 1.61%. The company generates $0.0B in annual revenue with moderate year-over-year growth of 4.22%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 37.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze UBK.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakUBK.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUBK.DE trades at attractive valuation levels.
Growth Score
WeakUBK.DE faces weak or negative growth trends.
Financial Health Score
ModerateUBK.DE shows balanced financial health with some risks.
Profitability Score
ModerateUBK.DE maintains healthy but balanced margins.
Key Financial Metrics
Is UBK.DE Expensive or Cheap?
P/E Ratio
UBK.DE trades at 20.54 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, UBK.DE's PEG of 0.21 indicates potential undervaluation.
Price to Book
The market values UmweltBank AG at 0.33 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does UBK.DE Make Money?
Net Profit Margin
For every $100 in sales, UmweltBank AG keeps $15.83 as profit after all expenses.
Operating Margin
Core operations generate 15.80 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.61 in profit for every $100 of shareholder equity.
ROA
UmweltBank AG generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
UmweltBank AG generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
UmweltBank AG 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
UBK.DE converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.54
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.33
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.73
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How UBK.DE Stacks Against Its Sector Peers
| Metric | UBK.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.54 | 18.66 | Worse (Expensive) |
| ROE | 1.61% | 804.00% | Weak |
| Net Margin | 15.83% | 2258.00% | Weak |
| Debt/Equity | 0.00 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 662.03 | Weak Liquidity |
| ROA | 0.00% | -24049.00% (disorted) | Weak |
UBK.DE outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews UmweltBank AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
21.15%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-96.24%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-1041.35%
Industry Style: Value, Dividend, Cyclical
Declining