(ABN) ABN Amro - Overview
Stock: Savings, Loans, Mortgage, Investment, Insurance, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.27% |
| Yield on Cost 5y | 21.83% |
| Yield CAGR 5y | 17.36% |
| Payout Consistency | 92.5% |
| Payout Ratio | 63.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.5% |
| Relative Tail Risk | -8.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.65 |
| Alpha | 100.59 |
| Character TTM | |
|---|---|
| Beta | 0.247 |
| Beta Downside | 0.527 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.29% |
| CAGR/Max DD | 1.57 |
Description: ABN ABN Amro December 19, 2025
ABN AMRO Bank N.V. is a Dutch-headquartered, diversified banking group serving retail, private, and corporate clients across the Netherlands, broader Europe, the United States, and Asia. It operates through three primary segments-Personal & Business Banking, Wealth Management, and Corporate Banking-offering a full suite of products from savings accounts and mortgages to asset-based financing, insurance, and electronic payment services.
Key performance indicators (KPIs) from the most recent FY 2023 show a net interest margin (NIM) of roughly 1.6 % and a Common Equity Tier 1 (CET1) capital ratio of about 14.5 %, indicating solid profitability and capital resilience. The bank’s return on equity (ROE) hovered near 10 %, while its cost-to-income ratio improved to 58 % after a 2022-23 cost-efficiency program.
Sector-level drivers that materially affect ABN AMRO include the European Central Bank’s monetary-policy stance-higher policy rates tend to lift NIM but also increase funding costs for mortgage-heavy balance sheets-and the ongoing digital-banking transformation, where mobile-first adoption rates in the Netherlands now exceed 70 % of retail customers, pressuring legacy channel costs.
For a deeper quantitative assessment, you might explore ValueRay’s analytics platform for ABN AMRO’s valuation metrics.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 2.24b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -2.98 > 1.0 |
| NWC/Revenue: -1878 % < 20% (prev -1713 %; Δ -165.3% < -1%) |
| CFO/TA -0.03 > 3% & CFO -12.16b > Net Income 2.24b |
| Net Debt (42.65b) to EBITDA (3.22b): 13.24 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (829.1m) vs 12m ago -0.47% < -2% |
| Gross Margin: 48.54% > 18% (prev 0.16%; Δ 4837 % > 0.5%) |
| Asset Turnover: 3.15% > 50% (prev 2.94%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 0.34 > 6 (EBITDA TTM 3.22b / Interest Expense TTM 6.73b) |
Altman Z'' -3.62
| A: -0.57 (Total Current Assets 42.06b - Total Current Liabilities 287.73b) / Total Assets 427.69b |
| B: 0.02 (Retained Earnings 10.63b / Total Assets 427.69b) |
| C: 0.01 (EBIT TTM 2.26b / Avg Total Assets 415.73b) |
| D: 0.03 (Book Value of Equity 11.26b / Total Liabilities 401.34b) |
| Altman-Z'' Score: -3.62 = D |
Beneish M -3.37
| DSRI: 1.14 (Receivables 3.26b/2.60b, Revenue 13.08b/11.85b) |
| GMI: 0.34 (GM 48.54% / 16.43%) |
| AQI: 1.05 (AQ_t 0.90 / AQ_t-1 0.85) |
| SGI: 1.10 (Revenue 13.08b / 11.85b) |
| TATA: 0.03 (NI 2.24b - CFO -12.16b) / TA 427.69b) |
| Beneish M-Score: -3.37 (Cap -4..+1) = AA |
What is the price of ABN shares?
Over the past week, the price has changed by +0.58%, over one month by +2.71%, over three months by +18.69% and over the past year by +107.85%.
Is ABN a buy, sell or hold?
What are the forecasts/targets for the ABN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.8 | 2.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 44 | 41.7% |
ABN Fundamental Data Overview February 02, 2026
P/E Trailing = 12.1804
P/E Forward = 11.325
P/S = 2.9258
P/B = 0.9588
P/EG = 2.9952
Revenue TTM = 13.08b EUR
EBIT TTM = 2.26b EUR
EBITDA TTM = 3.22b EUR
Long Term Debt = 95.58b EUR (estimated: total debt 112.80b - short term 17.21b)
Short Term Debt = 17.21b EUR (from shortTermDebt, last quarter)
Debt = 112.80b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 42.65b EUR (from netDebt column, last quarter)
Enterprise Value = 96.30b EUR (25.57b + Debt 112.80b - CCE 42.06b)
Interest Coverage Ratio = 0.34 (Ebit TTM 2.26b / Interest Expense TTM 6.73b)
EV/FCF = -7.72x (Enterprise Value 96.30b / FCF TTM -12.47b)
FCF Yield = -12.95% (FCF TTM -12.47b / Enterprise Value 96.30b)
FCF Margin = -95.34% (FCF TTM -12.47b / Revenue TTM 13.08b)
Net Margin = 17.12% (Net Income TTM 2.24b / Revenue TTM 13.08b)
Gross Margin = 48.54% ((Revenue TTM 13.08b - Cost of Revenue TTM 6.73b) / Revenue TTM)
Gross Margin QoQ = 49.61% (prev 100.0%)
Tobins Q-Ratio = 0.23 (Enterprise Value 96.30b / Total Assets 427.69b)
Interest Expense / Debt = 1.96% (Interest Expense 2.21b / Debt 112.80b)
Taxrate = 23.73% (192.0m / 809.0m)
NOPAT = 1.72b (EBIT 2.26b * (1 - 23.73%))
Current Ratio = 0.15 (Total Current Assets 42.06b / Total Current Liabilities 287.73b)
Debt / Equity = 4.88 (Debt 112.80b / totalStockholderEquity, last quarter 23.11b)
Debt / EBITDA = 13.24 (Net Debt 42.65b / EBITDA 3.22b)
Debt / FCF = -3.42 (negative FCF - burning cash) (Net Debt 42.65b / FCF TTM -12.47b)
Total Stockholder Equity = 26.05b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 2.24b / Total Assets 427.69b)
RoE = 8.59% (Net Income TTM 2.24b / Total Stockholder Equity 26.05b)
RoCE = 1.86% (EBIT 2.26b / Capital Employed (Equity 26.05b + L.T.Debt 95.58b))
RoIC = 1.56% (NOPAT 1.72b / Invested Capital 110.45b)
WACC = 2.48% (E(25.57b)/V(138.36b) * Re(6.83%) + D(112.80b)/V(138.36b) * Rd(1.96%) * (1-Tc(0.24)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.13%
Fair Price DCF = unknown (Cash Flow -12.47b)
EPS Correlation: -8.80 | EPS CAGR: -35.99% | SUE: -4.0 | # QB: 0
Revenue Correlation: 54.49 | Revenue CAGR: 23.64% | SUE: 0.57 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.63 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=3
EPS next Year (2026-12-31): EPS=2.73 | Chg30d=-0.006 | Revisions Net=-3 | Growth EPS=+6.0% | Growth Revenue=+6.2%