(BG) BAWAG - Ratings and Ratios
Exchange: VI • Country: Austria • Currency: EUR • Type: Common Stock • ISIN: AT0000BAWAG2
BG: Banking, Lending, Investment, Insurance, Cards, Securities
BAWAG Group AG is a leading Austrian banking group that operates through its subsidiary, BAWAG P.S.K., offering a wide range of financial services across multiple regions. Headquartered in Vienna, Austria, the company has established a strong presence in Austria, Western Europe, North America, and other international markets. Its business is divided into three core segments: Retail & SME, Corporates, Real Estate & Public Sector, and Treasury.
The Retail & SME segment is the backbone of BAWAG Group, catering to individual customers and small businesses with a comprehensive suite of products. This includes savings accounts, payment services, securities, card services, and lending solutions such as consumer loans and mortgages. Additionally, the segment offers investment and insurance products, factoring, leasing services, and auto financing. It also manages social housing activities and issues covered bonds backed by retail assets and Wohnbaubank bonds, which are particularly significant in the Austrian market.
The Corporates, Real Estate & Public Sector segment focuses on serving larger corporate clients, real estate investors, and public institutions. It provides tailored lending solutions, including international real estate financing and mid-cap corporate loans. This segment also issues covered bonds backed by corporate or public sector assets, ensuring a diversified and stable funding structure. BAWAG Groups expertise in real estate financing is a key differentiator, given the strong demand for property loans in Central and Eastern Europe.
The Treasury segment is responsible for the groups asset-liability management and secured and unsecured funding activities. This includes trading and investment services, ensuring the bank maintains a robust balance sheet and liquidity position. The Treasury segment plays a critical role in managing interest rate risks and optimizing the groups capital structure.
From an investment perspective, BAWAG Group AG offers a compelling value proposition. With a market capitalization of €6.87 billion, the stock trades at a P/E ratio of 10.35, which is relatively attractive compared to peers in the regional banking sector. The price-to-book ratio of 1.66 indicates that the stock is fairly valued relative to its book value. The groups strong capital position, diversified revenue streams, and focus on cost efficiency make it an attractive option for investors seeking exposure to the European banking sector.
BAWAG Groups strategic focus on digital transformation and customer-centric banking solutions has positioned it well to compete in a rapidly evolving financial landscape. Its strong market presence in Austria and growing footprint in international markets provide a balanced mix of stability and growth potential. For fund managers and investors, the companys consistent profitability, solid asset quality, and attractive valuation metrics make it a noteworthy candidate for inclusion in portfolios with a
Additional Sources for BG Stock
BG Stock Overview
Market Cap in USD | 7,483m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Regional Banks |
IPO / Inception |
BG Stock Ratings
Growth 5y | 89.4% |
Fundamental | 9.55% |
Dividend | 82.0% |
Rel. Strength Industry | 38.9 |
Analysts | - |
Fair Price Momentum | 114.09 EUR |
Fair Price DCF | 237.69 EUR |
BG Dividends
Dividend Yield 12m | 5.30% |
Yield on Cost 5y | 14.66% |
Annual Growth 5y | 13.88% |
Payout Consistency | 95.0% |
BG Growth Ratios
Growth Correlation 3m | 94.7% |
Growth Correlation 12m | 97.9% |
Growth Correlation 5y | 83.9% |
CAGR 5y | 22.32% |
CAGR/Mean DD 5y | 1.81 |
Sharpe Ratio 12m | 2.47 |
Alpha | 71.21 |
Beta | 0.56 |
Volatility | 26.25% |
Current Volume | 121.2k |
Average Volume 20d | 126.1k |
As of February 19, 2025, the stock is trading at EUR 94.35 with a total of 121,195 shares traded.
Over the past week, the price has changed by +6.85%, over one month by +7.77%, over three months by +27.24% and over the past year by +86.28%.
Neither. Based on ValueRay Fundamental Analyses, BAWAG is currently (February 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 9.55 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of BG as of February 2025 is 114.09. This means that BG is currently undervalued and has a potential upside of +20.92% (Margin of Safety).
BAWAG has no consensus analysts rating.
According to ValueRays Forecast Model, BG BAWAG will be worth about 129.5 in February 2026. The stock is currently trading at 94.35. This means that the stock has a potential upside of +37.27%.
Issuer | Forecast | Upside |
---|---|---|
Wallstreet Target Price | 98.6 | 4.5% |
Analysts Target Price | - | - |
ValueRay Target Price | 129.5 | 37.3% |