(ABN) ABN Amro - Ratings and Ratios
Banking, Financial, Savings, Loans, Insurance, Investments, Cards
ABN EPS (Earnings per Share)
ABN Revenue
Description: ABN ABN Amro
ABN AMRO Bank N.V. is a Dutch banking giant offering a broad spectrum of financial products and services to retail, private, and business clients across multiple geographies, including Europe, the US, and Asia. The bank operates through three main segments: Personal & Business Banking, Wealth Management, and Corporate Banking, providing a diverse range of services including savings accounts, loans, mortgage products, investment products, and various insurance types.
From a financial perspective, ABN AMRO demonstrates a solid performance. With a Market Cap of approximately €20.9 billion, the banks stock trades at a reasonable P/E ratio of 9.66, indicating a relatively undervalued position compared to its earnings. The forward P/E ratio is similarly attractive at 9.58, suggesting that the market expects stable or slightly improving earnings in the future. The Return on Equity (RoE) stands at 8.99%, a respectable figure that indicates the banks ability to generate profits from shareholders equity.
To further evaluate ABN AMROs performance, additional Key Performance Indicators (KPIs) can be considered. For instance, the banks Net Interest Margin (NIM) is a crucial metric, as it reflects the difference between the interest income generated by the bank and the amount of interest paid out to depositors. A stable or increasing NIM would be a positive indicator. Additionally, the banks Capital Adequacy Ratio (CAR) and the Common Equity Tier 1 (CET1) ratio are important metrics to assess its capital strength and resilience to potential financial shocks. A high-quality loan portfolio and a manageable Non-Performing Loan (NPL) ratio are also vital for the banks long-term sustainability.
In terms of growth prospects, ABN AMROs diversified business model across different geographies and segments could provide a stable foundation. The banks exposure to the Dutch market, while significant, is somewhat mitigated by its international presence. The ongoing digital transformation in the banking sector also presents opportunities for ABN AMRO to enhance its online and mobile banking services, potentially attracting more tech-savvy customers and improving operational efficiency.
ABN Stock Overview
| Market Cap in USD | 23,085m |
| Sector | Financial Services |
| Industry | Banks - Diversified |
| GiC Sub-Industry | Diversified Banks |
| IPO / Inception |
ABN Stock Ratings
| Growth Rating | 92.5 |
| Fundamental | 60.3% |
| Dividend Rating | 79.5 |
| Rel. Strength | 48.8 |
| Analysts | - |
| Fair Price Momentum | 34.69 EUR |
| Fair Price DCF | - |
ABN Dividends
| Dividend Yield 12m | 6.49% |
| Yield on Cost 5y | 25.05% |
| Annual Growth 5y | 16.99% |
| Payout Consistency | 93.5% |
| Payout Ratio | 52.5% |
ABN Growth Ratios
| Growth Correlation 3m | 92.4% |
| Growth Correlation 12m | 85.4% |
| Growth Correlation 5y | 94.9% |
| CAGR 5y | 35.78% |
| CAGR/Max DD 5y | 0.96 |
| Sharpe Ratio 12m | 2.01 |
| Alpha | 63.10 |
| Beta | 0.574 |
| Volatility | 44.12% |
| Current Volume | 3389k |
| Average Volume 20d | 2140.1k |
| Stop Loss | 24.9 (-3.3%) |
As of August 10, 2025, the stock is trading at EUR 25.75 with a total of 3,389,038 shares traded.
Over the past week, the price has changed by +4.46%, over one month by +6.45%, over three months by +34.75% and over the past year by +85.46%.
Neither. Based on ValueRay´s Fundamental Analyses, ABN Amro is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.31 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ABN is around 34.69 EUR . This means that ABN is currently undervalued and has a potential upside of +34.72% (Margin of Safety).
ABN Amro has no consensus analysts rating.
According to our own proprietary Forecast Model, ABN ABN Amro will be worth about 38.2 in August 2026. The stock is currently trading at 25.75. This means that the stock has a potential upside of +48.39%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 23.5 | -8.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 38.2 | 48.4% |
Piotroski VR‑10 (Strict) 2.5
| Net Income (2.35b TTM) > 0 and > 6% of Revenue (6% = 529.3m TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -2.86pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.03 (>3.0%) and CFO -10.79b <= Net Income 2.35b (YES >=105%, WARN >=100%) |
| Net Debt (38.39b) to EBITDA (9.45b) ratio: 4.06 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (833.0m) change vs 12m ago -1.64% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 73.93%; Δ 26.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.19% (prev 2.99%; Δ -0.80pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.33 (EBITDA TTM 9.45b / Interest Expense TTM 7.10b) >= 6 (WARN >= 3) |
ValueRay Score 60.31
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -42.09% = -5.0 |
| 6. ROIC - WACC 6.31% = 6.31 |
| 7. RoE 8.99% = 1.50 |
| 8. Rev. Trend 68.22% = 5.0 |
| 9. Rev. CAGR 40.71% = 2.50 |
| 11. EPS CAGR 114.5% = 2.50 |
ABN Fundamental Data Overview
Market Cap EUR = 19.79b (19.79b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 46.51b EUR (Cash only, last quarter)
P/E Trailing = 8.966
P/E Forward = 9.6246
P/S = 2.2411
P/B = 0.7549
P/EG = 2.9952
Beta = 0.944
Revenue TTM = 8.82b EUR
EBIT TTM = 9.45b EUR
EBITDA TTM = 9.45b EUR
[93m Long Term Debt = unknown (none)
[39m[93m Short Term Debt = unknown (none)
[39m[93m Debt = unknown
[39m Net Debt = 38.39b EUR (from netDebt column, last quarter)
Enterprise Value = -26.72b EUR (19.79b + (null Debt) - CCE 46.51b)
Interest Coverage Ratio = 1.33 (Ebit TTM 9.45b / Interest Expense TTM 7.10b)
FCF Yield = -42.09% (FCF TTM -11.25b / Enterprise Value -26.72b)
[93m FCF Margin = -127.5% (FCF TTM -11.25b / Revenue TTM 8.82b)
[39m Net Margin = 26.62% (Net Income TTM 2.35b / Revenue TTM 8.82b)
[93m Gross Margin = unknown ((Revenue TTM 8.82b - Cost of Revenue TTM 0.0) / Revenue TTM)
[39m[93m Tobins Q-Ratio = -43.16 (set to none) (Enterprise Value -26.72b / Book Value Of Equity 619.0m)
[39m[93m Interest Expense / Debt = unknown (Interest Expense 2.16b / Debt none)
[39m Taxrate = 29.66% (from yearly Tax Provision: 1.01b / 3.42b)
NOPAT = 6.65b (EBIT 9.45b * (1 - 29.66%))
[93m Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
[39m[93m Debt / Equity = unknown Debt (none)
[39m[93m Debt / EBITDA = unknown (Net Debt 38.39b / EBITDA 9.45b)
[39m[93m Debt / FCF = none (Debt none / FCF TTM -11.25b)
[39m Total Stockholder Equity = 26.10b (last 4 quarters mean)
RoA = 0.58% (Net Income 2.35b, Total Assets 408.14b )
RoE = 8.99% (Net Income TTM 2.35b / Total Stockholder Equity 26.10b)
[93m RoCE = unknown (Ebit 9.45b / (Equity 26.10b + L.T.Debt none))
[39m RoIC = 6.31% (NOPAT 6.65b / Invested Capital 105.26b)
[93m WACC = unknown (E(19.79b)/V(0.0) * Re(8.13%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.30)))
[39m Shares Correlation 5-Years: -30.0 | Cagr: -0.28%
Discount Rate = 8.13% (= CAPM, Blume Beta Adj.)
[93m Fair Price DCF = unknown (Cash Flow -11.25b)
[39m Revenue Correlation: 68.22 | Revenue CAGR: 40.71%
Revenue Growth Correlation: 57.07%
EPS Correlation: N/A | EPS CAGR: 114.5%
EPS Growth Correlation: 55.08%