(ABN) ABN Amro - Ratings and Ratios
Savings, Loans, Mortgages, Investments, Insurance
ABN EPS (Earnings per Share)
ABN Revenue
Description: ABN ABN Amro October 16, 2025
ABN AMRO Bank N.V. is a Dutch-headquartered universal bank that serves retail, private, and corporate clients across the Netherlands, broader Europe, the United States, and Asia. Its operations are organized into three business lines – Personal & Business Banking, Wealth Management, and Corporate Banking – offering a full suite of deposit, loan, insurance, pension, and asset-based financing products, as well as clearing, brokerage, and digital banking services.
Key performance indicators from the latest FY 2024 report show a net interest margin of 1.55 % (down 5 bps YoY) and loan growth of 3.2 % driven primarily by Dutch mortgage and SME lending. The bank’s return on equity (ROE) stabilized at 9.8 % after a period of cost-reduction initiatives, while its cost-to-income ratio fell to 68 %.
Sector-wide, the Dutch banking market is sensitive to the Eurozone’s monetary policy cycle; the European Central Bank’s gradual rate hikes are compressing margins but also improving net interest income for banks with a strong loan-to-deposit balance like ABN AMRO. Additionally, the ongoing digital transformation in banking is pushing the firm to expand its online banking platform, where active user growth reached 12 % YoY in Q3 2024.
For a deeper dive into how these dynamics translate into valuation metrics and potential upside, you might find a focused analysis on ValueRay useful.
ABN Stock Overview
| Market Cap in USD | 24,616m |
| Sub-Industry | Diversified Banks |
| IPO / Inception |
ABN Stock Ratings
| Growth Rating | 98.0% |
| Fundamental | 47.3% |
| Dividend Rating | 71.7% |
| Return 12m vs S&P 500 | 47.5% |
| Analyst Rating | - |
ABN Dividends
| Dividend Yield 12m | 5.21% |
| Yield on Cost 5y | 25.20% |
| Annual Growth 5y | 21.67% |
| Payout Consistency | 93.5% |
| Payout Ratio | 50.2% |
ABN Growth Ratios
| Growth Correlation 3m | 45.3% |
| Growth Correlation 12m | 97% |
| Growth Correlation 5y | 94.9% |
| CAGR 5y | 40.63% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.82 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.29 |
| Sharpe Ratio 12m | 2.04 |
| Alpha | 56.05 |
| Beta | 0.875 |
| Volatility | 25.22% |
| Current Volume | 1305.9k |
| Average Volume 20d | 2366.4k |
| Stop Loss | 23.9 (-3.5%) |
| Signal | -0.17 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (2.31b TTM) > 0 and > 6% of Revenue (6% = 527.6m TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -2.80pp (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 2.31b (YES >=105%, WARN >=100%) |
| Net Debt (34.21b) to EBITDA (10.45b) ratio: 3.27 <= 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 0.0% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 82.26%; Δ 17.74pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.18% (prev 3.00%; Δ -0.82pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.45 (EBITDA TTM 10.45b / Interest Expense TTM 7.10b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 47.34
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 39.93% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda 3.27 = -2.10 |
| 6. ROIC - WACC (= -2.31)% = -2.89 |
| 7. RoE 8.65% = 0.72 |
| 8. Rev. Trend 3.58% = 0.27 |
| 9. EPS Trend -33.18% = -1.66 |
What is the price of ABN shares?
Over the past week, the price has changed by -3.96%, over one month by -8.26%, over three months by +3.32% and over the past year by +73.49%.
Is ABN Amro a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ABN is around 33.53 EUR . This means that ABN is currently undervalued and has a potential upside of +35.42% (Margin of Safety).
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 | 26.9 | 8.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 37.6 | 52% |
ABN Fundamental Data Overview January 01, 1970
Market Cap EUR = 21.22b (21.22b EUR * 1.0 EUR.EUR)
P/E Trailing = 9.7132
P/E Forward = 10.2564
P/S = 2.4108
P/B = 0.8324
P/EG = 2.9952
Beta = 0.875
Revenue TTM = 8.79b EUR
EBIT TTM = 10.33b EUR
EBITDA TTM = 10.45b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 34.21b EUR (from netDebt column, last quarter)
Enterprise Value = -28.17b EUR (21.22b + (null Debt) - CCE 49.39b)
Interest Coverage Ratio = 1.45 (Ebit TTM 10.33b / Interest Expense TTM 7.10b)
FCF Yield = 39.93% (FCF TTM -11.25b / Enterprise Value -28.17b)
FCF Margin = -127.9% (FCF TTM -11.25b / Revenue TTM 8.79b)
Net Margin = 26.29% (Net Income TTM 2.31b / Revenue TTM 8.79b)
Gross Margin = 100.0% ((Revenue TTM 8.79b - Cost of Revenue TTM 0.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = -0.07 (set to none) (Enterprise Value -28.17b / Total Assets 413.92b)
Interest Expense / Debt = unknown (Interest Expense 2.16b / Debt none)
Taxrate = 27.20% (226.0m / 831.0m)
NOPAT = 7.52b (EBIT 10.33b * (1 - 27.20%))
Current Ratio = unknown (Total Current Assets 49.39b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 3.27 (Net Debt 34.21b / EBITDA 10.45b)
Debt / FCF = -3.04 (negative FCF - burning cash) (Net Debt 34.21b / FCF TTM -11.25b)
Total Stockholder Equity = 26.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 2.31b / Total Assets 413.92b)
RoE = 8.65% (Net Income TTM 2.31b / Total Stockholder Equity 26.73b)
RoCE = unknown (EBIT 10.33b / Capital Employed )
RoIC = 6.93% (NOPAT 7.52b / Invested Capital 108.57b)
WACC = 9.24% (E(21.22b)/V(21.22b) * Re(9.24%) + (debt-free company))
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.29%
Fair Price DCF = unknown (Cash Flow -11.25b)
EPS Correlation: -33.18 | EPS CAGR: -49.20% | SUE: -4.0 | # QB: 0
Revenue Correlation: 3.58 | Revenue CAGR: 0.34% | SUE: -0.01 | # QB: 0