(ABN) ABN Amro - Overview
Sector: Financial ServicesIndustry: Banks - Diversified | Exchange AS (Netherlands) | Currency EUR | Market Cap: 25.841m | Total Return 44% in 12m
Stock: Loans, Deposits, Investments, Insurance, Payments
Total Rating 42
Risk 76
Buy Signal -0.28
| Risk 5d forecast | |
|---|---|
| Volatility | 25.3% |
| Relative Tail Risk | -3.55% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.34 |
| Alpha | 30.21 |
| Character TTM | |
|---|---|
| Beta | 0.538 |
| Beta Downside | 0.434 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.20% |
| CAGR/Max DD | 1.53 |
EPS (Earnings per Share)
Revenue
Description: ABN ABN Amro March 05, 2026
ABN AMRO Bank N.V. (ABN) offers banking and financial services across retail, private, and business client segments. The company operates in the Netherlands, Europe, the US, and Asia. Its business model is diversified, spanning Personal & Business Banking, Wealth Management, and Corporate Banking.
The company provides a range of deposit and loan products, including savings accounts, fixed deposits, car finance, and mortgages. It also offers investment products and various insurance types, such as home and travel insurance. ABN AMROs services extend to pension savings, asset-based solutions like equipment leases, clearing services, equity brokerage, and payment card services. Diversified banks like ABN AMRO typically generate revenue from interest income on loans and fees from services.
Founded in 2009 and headquartered in Amsterdam, Netherlands, ABN AMRO is a subsidiary of Stichting Administratiekantoor Continuïteit Abn Amro Bank. The banking sector faces ongoing regulatory scrutiny and adapts to evolving digital banking trends.
For more detailed financial analysis, consider exploring ValueRay.
Headlines to watch out for
- Dutch interest rate policy impacts net interest income
- Economic growth in the Netherlands drives loan demand
- Regulatory capital requirements affect dividend capacity
- Competition from fintechs pressures retail banking margins
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 2.25b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 4.29 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -2.36k%; Δ 794.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.63b > Net Income 2.25b |
| Net Debt (29.53b) to EBITDA (3.23b): 9.16 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (823.2m) vs 12m ago -1.18% < -2% |
| Gross Margin: 58.78% > 18% (prev 0.74%; Δ 5.80k% > 0.5%) |
| Asset Turnover: 3.73% > 50% (prev 2.32%; Δ 1.42% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBITDA TTM 3.23b / Interest Expense TTM 6.14b) |
Altman Z'' -3.64
| A: -0.57 (Total Current Assets 51.53b - Total Current Liabilities 285.08b) / Total Assets 413.21b |
| B: 0.01 (Retained Earnings 2.25b / Total Assets 413.21b) |
| C: 0.01 (EBIT TTM 2.25b / Avg Total Assets 399.13b) |
| D: 0.01 (Book Value of Equity 3.08b / Total Liabilities 386.17b) |
| Altman-Z'' Score: -3.64 = D |
Beneish M
| DSRI: none (Receivables none/3.26b, Revenue 14.89b/8.91b) |
| GMI: 1.25 (GM 58.78% / 73.53%) |
| AQI: 1.00 (AQ_t 0.87 / AQ_t-1 0.87) |
| SGI: 1.67 (Revenue 14.89b / 8.91b) |
| TATA: -0.01 (NI 2.25b - CFO 4.63b) / TA 413.21b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of ABN shares?
As of March 25, 2026, the stock is trading at EUR 26.76 with a total of 1,882,448 shares traded.
Over the past week, the price has changed by -3.08%, over one month by -5.14%, over three months by -9.01% and over the past year by +43.97%.
Over the past week, the price has changed by -3.08%, over one month by -5.14%, over three months by -9.01% and over the past year by +43.97%.
Is ABN a buy, sell or hold?
ABN Amro has no consensus analysts rating.
What are the forecasts/targets for the ABN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.6 | 25.6% |
| Analysts Target Price | - | - |
ABN Fundamental Data Overview March 21, 2026
Market Cap USD = 25.84b (22.35b EUR * 1.1562 EUR.USD)
P/E Trailing = 11.0816
P/E Forward = 9.2081
P/S = 2.5695
P/B = 0.8186
P/EG = 1.0585
Revenue TTM = 14.89b EUR
EBIT TTM = 2.25b EUR
EBITDA TTM = 3.23b EUR
Long Term Debt = unknown (none)
Short Term Debt = 17.21b EUR (from shortTermDebt, two quarters ago)
Debt = 79.02b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.53b EUR (from netDebt column, last quarter)
Enterprise Value = 49.84b EUR (22.35b + Debt 79.02b - CCE 51.53b)
Interest Coverage Ratio = 0.37 (Ebit TTM 2.25b / Interest Expense TTM 6.14b)
EV/FCF = 11.49x (Enterprise Value 49.84b / FCF TTM 4.34b)
FCF Yield = 8.70% (FCF TTM 4.34b / Enterprise Value 49.84b)
FCF Margin = 29.12% (FCF TTM 4.34b / Revenue TTM 14.89b)
Net Margin = 15.12% (Net Income TTM 2.25b / Revenue TTM 14.89b)
Gross Margin = 58.78% ((Revenue TTM 14.89b - Cost of Revenue TTM 6.14b) / Revenue TTM)
Gross Margin QoQ = 56.30% (prev 49.61%)
Tobins Q-Ratio = 0.12 (Enterprise Value 49.84b / Total Assets 413.21b)
Interest Expense / Debt = 2.24% (Interest Expense 1.77b / Debt 79.02b)
Taxrate = 33.22% (204.0m / 614.0m)
NOPAT = 1.51b (EBIT 2.25b * (1 - 33.22%))
Current Ratio = 0.18 (Total Current Assets 51.53b / Total Current Liabilities 285.08b)
Debt / Equity = 2.92 (Debt 79.02b / totalStockholderEquity, last quarter 27.04b)
Debt / EBITDA = 9.16 (Net Debt 29.53b / EBITDA 3.23b)
Debt / FCF = 6.81 (Net Debt 29.53b / FCF TTM 4.34b)
Total Stockholder Equity = 26.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 2.25b / Total Assets 413.21b)
RoE = 8.57% (Net Income TTM 2.25b / Total Stockholder Equity 26.29b)
RoCE = 1.76% (EBIT 2.25b / Capital Employed (Total Assets 413.21b - Current Liab 285.08b))
RoIC = 1.37% (NOPAT 1.51b / Invested Capital 110.15b)
WACC = 2.90% (E(22.35b)/V(101.37b) * Re(7.87%) + D(79.02b)/V(101.37b) * Rd(2.24%) * (1-Tc(0.33)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -2.48%
[DCF] Terminal Value 86.39% ; FCFF base≈4.34b ; Y1≈4.36b ; Y5≈4.67b
[DCF] Fair Price = 132.6 (EV 138.68b - Net Debt 29.53b = Equity 109.15b / Shares 823.2m; r=6.0% [WACC]; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: 21.30 | EPS CAGR: 11.08% | SUE: -1.29 | # QB: 0
Revenue Correlation: 59.81 | Revenue CAGR: 21.34% | SUE: 2.21 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.71 | Chg7d=-0.002 | Chg30d=+0.015 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=2.83 | Chg7d=+0.006 | Chg30d=+0.059 | Revisions Net=-2 | Growth EPS=+15.3% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=3.39 | Chg7d=+0.066 | Chg30d=+0.066 | Revisions Net=-3 | Growth EPS=+19.8% | Growth Revenue=+5.6%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.1% (Discount Rate 7.9% - Earnings Yield 9.0%)
[Growth] Growth Spread = +8.4% (Analyst 7.3% - Implied -1.1%)
P/E Trailing = 11.0816
P/E Forward = 9.2081
P/S = 2.5695
P/B = 0.8186
P/EG = 1.0585
Revenue TTM = 14.89b EUR
EBIT TTM = 2.25b EUR
EBITDA TTM = 3.23b EUR
Long Term Debt = unknown (none)
Short Term Debt = 17.21b EUR (from shortTermDebt, two quarters ago)
Debt = 79.02b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.53b EUR (from netDebt column, last quarter)
Enterprise Value = 49.84b EUR (22.35b + Debt 79.02b - CCE 51.53b)
Interest Coverage Ratio = 0.37 (Ebit TTM 2.25b / Interest Expense TTM 6.14b)
EV/FCF = 11.49x (Enterprise Value 49.84b / FCF TTM 4.34b)
FCF Yield = 8.70% (FCF TTM 4.34b / Enterprise Value 49.84b)
FCF Margin = 29.12% (FCF TTM 4.34b / Revenue TTM 14.89b)
Net Margin = 15.12% (Net Income TTM 2.25b / Revenue TTM 14.89b)
Gross Margin = 58.78% ((Revenue TTM 14.89b - Cost of Revenue TTM 6.14b) / Revenue TTM)
Gross Margin QoQ = 56.30% (prev 49.61%)
Tobins Q-Ratio = 0.12 (Enterprise Value 49.84b / Total Assets 413.21b)
Interest Expense / Debt = 2.24% (Interest Expense 1.77b / Debt 79.02b)
Taxrate = 33.22% (204.0m / 614.0m)
NOPAT = 1.51b (EBIT 2.25b * (1 - 33.22%))
Current Ratio = 0.18 (Total Current Assets 51.53b / Total Current Liabilities 285.08b)
Debt / Equity = 2.92 (Debt 79.02b / totalStockholderEquity, last quarter 27.04b)
Debt / EBITDA = 9.16 (Net Debt 29.53b / EBITDA 3.23b)
Debt / FCF = 6.81 (Net Debt 29.53b / FCF TTM 4.34b)
Total Stockholder Equity = 26.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 2.25b / Total Assets 413.21b)
RoE = 8.57% (Net Income TTM 2.25b / Total Stockholder Equity 26.29b)
RoCE = 1.76% (EBIT 2.25b / Capital Employed (Total Assets 413.21b - Current Liab 285.08b))
RoIC = 1.37% (NOPAT 1.51b / Invested Capital 110.15b)
WACC = 2.90% (E(22.35b)/V(101.37b) * Re(7.87%) + D(79.02b)/V(101.37b) * Rd(2.24%) * (1-Tc(0.33)))
Discount Rate = 7.87% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -2.48%
[DCF] Terminal Value 86.39% ; FCFF base≈4.34b ; Y1≈4.36b ; Y5≈4.67b
[DCF] Fair Price = 132.6 (EV 138.68b - Net Debt 29.53b = Equity 109.15b / Shares 823.2m; r=6.0% [WACC]; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: 21.30 | EPS CAGR: 11.08% | SUE: -1.29 | # QB: 0
Revenue Correlation: 59.81 | Revenue CAGR: 21.34% | SUE: 2.21 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.71 | Chg7d=-0.002 | Chg30d=+0.015 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=2.83 | Chg7d=+0.006 | Chg30d=+0.059 | Revisions Net=-2 | Growth EPS=+15.3% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=3.39 | Chg7d=+0.066 | Chg30d=+0.066 | Revisions Net=-3 | Growth EPS=+19.8% | Growth Revenue=+5.6%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.1% (Discount Rate 7.9% - Earnings Yield 9.0%)
[Growth] Growth Spread = +8.4% (Analyst 7.3% - Implied -1.1%)