ABN Stock Analysis: ABN Amro | AS
Banks - Diversified | AS, Netherlands | Market Cap: 33.967m EUR | 12M Return: 77.4% | NL0011540547 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 62.7M
EPS Trend: -84.6%
Qual. Beats: 0
Rev. Trend: 75.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.7 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 banking group that provides retail, private, and corporate banking products and financial services primarily in the Netherlands and other parts of Europe, with additional operations in the United States and Asia. The company was incorporated in 2009 following the restructuring of the former ABN AMRO group and is headquartered in Amsterdam. It operates as a subsidiary of Stichting Administratiekantoor Continuïteit ABN AMRO Bank, the holding entity that holds the Dutch states stake acquired during the post-2008 financial crisis nationalization.
ABN AMRO reports through three business segments: Personal & Business Banking, Wealth Management, and Corporate Banking. The Personal & Business Banking segment offers mortgages, savings products, consumer loans, payments, and insurance distribution. The Wealth Management segment serves private banking clients with advisory, discretionary management, and pension savings solutions. The Corporate Banking segment provides asset-based finance, working capital solutions, equipment leasing and loans, vendor lease services, clearing, equity brokerage, and trade and capital markets products to corporate clients.
As a large-cap member of the GICS Diversified Banks sub-industry, ABN AMRO earns revenue from net interest income on lending activities (mortgages, consumer credit, and corporate loans), fee and commission income from payments, wealth management, and brokerage services, and insurance distribution. Its geographic concentration in the Netherlands and Northwest Europe ties its performance closely to regional interest rate cycles, housing market trends, and the Dutch corporate sector.
- Dutch mortgage loan growth drives net interest income
- ECB rate path impacts net interest margin trajectory
- Share buyback program accelerates capital returns
| 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 (3.61b): 22.63 < 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 September 01, 2026, the stock is trading at EUR 41.71 with a total of 2,266,982 shares traded. Over the past week, the price has changed by +2.71%, over one month by +8.73%, over three months by +24.97% and over the past year by +77.35%.
Current recommended Stop Loss: 40.70 (which is 2.4% or 1.3 ATR below the current price).
ABN Amro has no consensus analysts rating.
P/E Trailing = 14.9928
P/E Forward = 13.8122
P/S = 3.7624
P/B = 1.2181
P/EG = 1.4531
Revenue TTM = 17.6b EUR
EBIT TTM = 3.46b EUR
EBITDA TTM = 3.61b 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 = 116b EUR (34.0b + Debt 117b - CCE 35.3b)
Interest Coverage Ratio = 0.43 (Ebit TTM 3.46b / Interest Expense TTM 8.05b)
EV/FCF = 26.69x (Enterprise Value 116b / FCF TTM 4.34b)
FCF Yield = 3.75% (FCF TTM 4.34b / Enterprise Value 116b)
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 116b / 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 = 22.63 (Net Debt 81.8b / EBITDA 3.61b)
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 = 5.75% (E(34.0b)/V(151b) * Re(8.46%) + D(117b)/V(151b) * Rd(6.88%) * (1-Tc(0.28)))
Discount Rate = 8.46% (= 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=0.69 | Chg30d=+15.09% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=3.06 | Chg30d=+5.50% | Revisions=+46% | GrowthEPS=+25.1% | GrowthRev=+10.0%
EPS next Year (2027-12-31): EPS=3.68 | Chg30d=+3.34% | Revisions=+31% | GrowthEPS=+20.0% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: +42% (up=17, down=6)