(ABN) ABN Amro - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: AS (Netherlands) | Market Cap: 27.835m EUR | Total Return: 53% in 12m
Avg Turnover: 72.5M
EPS Trend: -72.6%
Qual. Beats: -2
Rev. Trend: 74.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Idiosyncratic Leader
ABN AMRO Bank N.V. is a Dutch financial institution providing retail, private, and corporate banking services across Europe, North America, and Asia. Headquartered in Amsterdam, the bank operates through three primary segments: Personal & Business Banking, Wealth Management, and Corporate Banking. Its portfolio includes traditional deposit and mortgage products, investment services, and specialized corporate offerings such as asset-based lending and clearing services.
The company operates under a diversified banking model, which typically benefits from a mix of net interest income and fee-based revenue from asset management. As a major player in the Dutch market, the bank is subject to European Central Bank regulations and maintains a significant focus on digitalization and online banking infrastructure. Investors looking for deeper fundamental metrics can find additional data on ValueRay.
- Net interest income margins remain sensitive to European Central Bank rate policy shifts
- Dominant Dutch mortgage market share maintains core retail and business banking revenue
- Operating costs fluctuate based on AML compliance requirements and digital transformation spending
- Capital return potential depends on Dutch government divestment of remaining state ownership
- High concentration in the Netherlands increases vulnerability to domestic macroeconomic cooling cycles
| Net Income: 2.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 3.98 > 1.0 |
| NWC/Revenue: -1.49k% < 20% (prev -2.01k%; Δ 524.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.63b > Net Income 2.33b |
| Net Debt (59.2b) to EBITDA (3.35b): 17.70 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (823.1m) vs 12m ago -1.19% < -2% |
| Gross Margin: 45.87% > 18% (prev 3.64%; Δ 42.24% > 0.5%) |
| Asset Turnover: 3.42% > 50% (prev 2.70%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 3.20b / Interest Expense TTM 8.12b) |
| A: -0.48 (Total Current Assets 61.8b - Total Current Liabilities 285b) / Total Assets 470b |
| B: 0.02 (Retained Earnings 11.7b / Total Assets 470b) |
| C: 0.01 (EBIT TTM 3.20b / Avg Total Assets 439b) |
| D: 0.05 (Book Value of Equity 24.3b / Total Liabilities 446b) |
| Altman-Z'' = -2.93 = D |
As of June 08, 2026, the stock is trading at EUR 33.82 with a total of 1,288,105 shares traded.
Over the past week, the price has changed by -0.88%,
over one month by +12.06%,
over three months by +29.23% and
over the past year by +53.03%.
ABN Amro has no consensus analysts rating.
P/E Trailing = 13.4331
P/E Forward = 11.5473
P/S = 3.1238
P/B = 0.998
P/EG = 1.3274
Revenue TTM = 15.0b EUR
EBIT TTM = 3.20b EUR
EBITDA TTM = 3.35b EUR
Long Term Debt = 99.0b EUR (estimated: total debt 121b - short term 22.1b)
Short Term Debt = 22.1b EUR (from shortTermDebt, last quarter)
Debt = 121b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 59.2b EUR (calculated: Debt 121b - CCE 61.8b)
Enterprise Value = 87.0b EUR (27.8b + Debt 121b - CCE 61.8b)
Interest Coverage Ratio = 0.39 (Ebit TTM 3.20b / Interest Expense TTM 8.12b)
EV/FCF = 20.07x (Enterprise Value 87.0b / FCF TTM 4.34b)
FCF Yield = 4.98% (FCF TTM 4.34b / Enterprise Value 87.0b)
FCF Margin = 28.90% (FCF TTM 4.34b / Revenue TTM 15.0b)
Net Margin = 15.50% (Net Income TTM 2.33b / Revenue TTM 15.0b)
Gross Margin = 45.87% ((Revenue TTM 15.0b - Cost of Revenue TTM 8.12b) / Revenue TTM)
Gross Margin QoQ = 54.40% (prev 56.30%)
Tobins Q-Ratio = 0.19 (Enterprise Value 87.0b / Total Assets 470b)
Interest Expense / Debt = 6.71% (Interest Expense 8.12b / Debt 121b)
Taxrate = 27.25% (871.0m / 3.20b)
NOPAT = 2.33b (EBIT 3.20b * (1 - 27.25%))
Current Ratio = 0.22 (Total Current Assets 61.8b / Total Current Liabilities 285b)
Debt / Equity = 4.97 (Debt 121b / totalStockholderEquity, last quarter 24.3b)
Debt / EBITDA = 17.70 (Net Debt 59.2b / EBITDA 3.35b)
Debt / FCF = 13.65 (Net Debt 59.2b / FCF TTM 4.34b)
Total Stockholder Equity = 25.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 2.33b / Total Assets 470b)
RoE = 9.12% (Net Income TTM 2.33b / Total Stockholder Equity 25.5b)
RoCE = 2.57% (EBIT 3.20b / Capital Employed (Equity 25.5b + L.T.Debt 99.0b))
RoIC = 0.50% (NOPAT 2.33b / Invested Capital 469b)
WACC = 5.43% (E(27.8b)/V(149b) * Re(7.82%) + D(121b)/V(149b) * Rd(6.71%) * (1-Tc(0.27)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.09 | Cagr: -2.21%
[DCF] Terminal Value 75.44% ; FCFF base≈4.34b ; Y1≈4.35b ; Y5≈4.61b
[DCF] Fair Price = 15.37 (EV 71.8b - Net Debt 59.2b = Equity 12.5b / Shares 815.8m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: -72.55 | EPS CAGR: -11.29% | SUE: -4.0 | # QB: -2
Revenue Correlation: 74.50 | Revenue CAGR: 17.35% | SUE: 0.51 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.75 | Chg30d=+0.95% | Revisions=+14% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.81 | Chg30d=+3.28% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.84 | Chg30d=+2.72% | Revisions=+60% | GrowthEPS=+16.1% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=3.45 | Chg30d=+2.34% | Revisions=+47% | GrowthEPS=+21.4% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: +60%