ABN Stock Analysis: ABN Amro | AS
Banks - Diversified | AS, Netherlands | Market Cap: 33.404m EUR | 12M Return: 65.1% | NL0011540547 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 77.1M
EPS Trend: -84.6%
Qual. Beats: 0
Rev. Trend: 75.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
ABN AMRO Bank N.V. is a Dutch-based universal bank offering retail, private, and corporate banking services primarily in the Netherlands, with additional operations across Europe, the United States, and Asia. The company operates through three core segments: Personal & Business Banking, Wealth Management, and Corporate Banking, providing products ranging from mortgages, deposits, and insurance to asset-based financing, brokerage, and payment services. It was incorporated in 2009 and is headquartered in Amsterdam, functioning as a subsidiary of Stichting Administratiekantoor Continuïteit ABN AMRO Bank.
As a diversified bank, ABN AMRO operates under the universal banking model, combining consumer-facing services with capital markets and wealth management activities. Dutch banks are subject to oversight by the European Central Bank through the Single Supervisory Mechanism and must comply with Basel III capital and liquidity requirements.
- Dutch mortgage book drives net interest income growth
- ECB rate cuts pressure net interest margin
- Cost reduction program targets operating expense savings
| Net Income: 2.50b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 3.96 > 1.0 |
| NWC/Revenue: -48.18% < 20% (prev -2.08k%; Δ 2.03k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.63b > Net Income 2.50b |
| Net Debt (81.8b) to EBITDA (3.64b): 22.48 < 3 |
| Current Ratio: 0.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (817.4m) vs 12m ago -1.87% < -2% |
| Gross Margin: 53.69% > 18% (prev 3.37%; Δ 50.32% > 0.5%) |
| Asset Turnover: 4.04% > 50% (prev 2.65%; Δ 1.39% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBIT TTM 3.46b / Interest Expense TTM 8.05b) |
| A: -0.02 (Total Current Assets 35.3b - Total Current Liabilities 43.7b) / Total Assets 457b |
| B: 0.03 (Retained Earnings 11.5b / Total Assets 457b) |
| C: 0.01 (EBIT TTM 3.46b / Avg Total Assets 435b) |
| D: 0.06 (Book Value of Equity 24.1b / Total Liabilities 433b) |
| Altman-Z'' = 0.07 = B |
As of October 27, 2026, the stock is trading at EUR 39.73 with a total of 1,521,236 shares traded. Over the past week, the price has changed by -1.41%, over one month by -9.17%, over three months by +6.32% and over the past year by +65.06%.
Current recommended Stop Loss: 37.60 (which is 5.4% or 2.1 ATR below the current price).
ABN Amro has no consensus analysts rating.
P/E Trailing = 14.7446
P/E Forward = 12.6743
P/S = 3.7001
P/B = 1.2968
P/EG = 1.335
Revenue TTM = 17.6b EUR
EBIT TTM = 3.46b EUR
EBITDA TTM = 3.64b EUR
Long Term Debt = 73.3b EUR (estimated: total debt 117b - short term 43.7b)
Short Term Debt = 43.7b EUR (from shortTermDebt, last quarter)
Debt = 117b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 81.8b EUR (calculated: Debt 117b - CCE 35.3b)
Enterprise Value = 115b EUR (33.4b + Debt 117b - CCE 35.3b)
Interest Coverage Ratio = 0.43 (Ebit TTM 3.46b / Interest Expense TTM 8.05b)
EV/FCF = 26.56x (Enterprise Value 115b / FCF TTM 4.34b)
FCF Yield = 3.76% (FCF TTM 4.34b / Enterprise Value 115b)
FCF Margin = 24.67% (FCF TTM 4.34b / Revenue TTM 17.6b)
Net Margin = 14.23% (Net Income TTM 2.50b / Revenue TTM 17.6b)
Gross Margin = 53.69% ((Revenue TTM 17.6b - Cost of Revenue TTM 8.14b) / Revenue TTM)
Gross Margin QoQ = 54.59% (prev 54.40%)
Tobins Q-Ratio = 0.25 (Enterprise Value 115b / Total Assets 457b)
Interest Expense / Debt = 6.88% (Interest Expense 8.05b / Debt 117b)
Taxrate = 27.84% (964.0m / 3.46b)
NOPAT = 2.50b (EBIT 3.46b * (1 - 27.84%))
Current Ratio = 0.81 (Total Current Assets 35.3b / Total Current Liabilities 43.7b)
Debt / Equity = 4.86 (Debt 117b / totalStockholderEquity, last quarter 24.1b)
Debt / EBITDA = 22.48 (Net Debt 81.8b / EBITDA 3.64b)
Debt / FCF = 18.86 (Net Debt 81.8b / FCF TTM 4.34b)
Total Stockholder Equity = 24.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 2.50b / Total Assets 457b)
RoE = 10.15% (Net Income TTM 2.50b / Total Stockholder Equity 24.6b)
RoCE = 3.54% (EBIT 3.46b / Capital Employed (Equity 24.6b + L.T.Debt 73.3b))
RoIC = 0.55% (NOPAT 2.50b / Invested Capital 456b)
WACC = 5.61% (E(33.4b)/V(150b) * Re(7.86%) + D(117b)/V(150b) * Rd(6.88%) * (1-Tc(0.28)))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.27 | Cagr: -2.24%
[DCF] Terminal Value 75.44% ; FCFF base≈4.34b ; Y1≈4.35b ; Y5≈4.61b
[DCF] Fair Price = N/A (negative equity: EV 71.8b - Net Debt 81.8b = -10.0b; debt exceeds intrinsic value)
EPS Correlation: -84.59 | EPS CAGR: -14.65% | SUE: 0.42 | # QB: 0
Revenue Correlation: 75.66 | Revenue CAGR: 19.14% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.92 | Chg30d=+1.53% | Revisions=+40% | Analysts=4
EPS current Year (2026-12-31): EPS=3.19 | Chg30d=+3.52% | Revisions=+62% | GrowthEPS=+30.1% | GrowthRev=+10.6%
EPS next Year (2027-12-31): EPS=3.81 | Chg30d=+2.96% | Revisions=+67% | GrowthEPS=+19.6% | GrowthRev=+7.7%
[Analyst] Revisions Ratio: +81% (up=13, down=0)