(BG) BAWAG - VI
Sector: Financial Services | Industry: Banks - Regional | Exchange: VI (Austria) | Market Cap: 13.078m EUR | Total Return: 35.3% in 12m
Avg Turnover: 23.3M
EPS Trend: 97.7%
Qual. Beats: 0
Rev. Trend: 98.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
BAWAG Group AG is a Vienna-based financial holding company operating primarily through its flagship subsidiary, BAWAG P.S.K. The group maintains a diversified business model organized into three core segments: Retail & SME, Corporates & Real Estate, and Treasury. Its geographic footprint extends across Austria, Western Europe, and North America, focusing on developed markets with stable regulatory environments.
The Retail & SME division provides traditional banking services, including mortgages, consumer lending, and leasing, while the Corporates segment specializes in international real estate financing and public sector lending. As a regional bank, BAWAG typically relies on a high proportion of retail deposits to fund its loan book, a structure common among European institutions seeking to minimize wholesale funding volatility. The company also utilizes covered bonds, which are debt securities backed by a specific pool of high-quality assets like mortgages or public sector loans.
For a detailed analysis of these financial segments, you may wish to explore the data available on ValueRay.
- Net interest margin expands on higher Eurozone rates and loan repricing
- Strategic M&A and bolt-on acquisitions drive inorganic earnings growth
- Low cost-to-income ratio sustains industry-leading profitability and efficiency margins
- Capital distributions through dividends and buybacks enhance shareholder total returns
| Net Income: 680.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA -6.34 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.05 > 3% & CFO -3.28b > Net Income 680.4m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (77.0m) vs 12m ago -2.49% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 1.95% > 50% (prev 1.37%; Δ 0.58% > 0%) |
| Interest Coverage Ratio: 0.83 > 6 (EBIT TTM 1.27b / Interest Expense TTM 1.52b) |
As of June 20, 2026, the stock is trading at EUR 170.40 with a total of 143,888 shares traded.
Over the past week, the price has changed by -10.14%,
over one month by -9.13%,
over three months by -8.69% and
over the past year by +35.30%.
BAWAG has no consensus analysts rating.
P/E Trailing = 16.5272
P/E Forward = 10.8814
P/S = 6.3518
P/B = 2.7346
Revenue TTM = 1.40b EUR
EBIT TTM = 1.27b EUR
EBITDA TTM = 1.53b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 13.1b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.83 (Ebit TTM 1.27b / Interest Expense TTM 1.52b)
EV/FCF = -3.88x (Enterprise Value 13.1b / FCF TTM -3.37b)
FCF Yield = -25.78% (FCF TTM -3.37b / Enterprise Value 13.1b)
FCF Margin = -240.5% (FCF TTM -3.37b / Revenue TTM 1.40b)
Net Margin = 48.53% (Net Income TTM 680.4m / Revenue TTM 1.40b)
Gross Margin = unknown ((Revenue TTM 1.40b - Cost of Revenue TTM -3.07b) / Revenue TTM)
Tobins Q-Ratio = 0.18 (Enterprise Value 13.1b / Total Assets 72.3b)
Interest Expense / Debt = unknown (Interest Expense 1.52b / Debt none)
Taxrate = 24.68% (230.8m / 935.2m)
NOPAT = 957.9m (EBIT 1.27b * (1 - 24.68%))
Current Ratio = unknown (Total Current Assets 14.1b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 1.53b)
Debt / FCF = unknown (Net Debt none / FCF TTM -3.37b)
Total Stockholder Equity = 4.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.95% (Net Income 680.4m / Total Assets 72.3b)
RoE = 14.80% (Net Income TTM 680.4m / Total Stockholder Equity 4.60b)
RoCE = unknown (EBIT 1.27b / Capital Employed )
RoIC = unknown (NOPAT 957.9m, Invested Capital 0.0, EBIT 1.27b)
WACC = 7.76% (E(13.1b)/V(13.1b) * Re(7.76%) + (debt-free company))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -5.51%
[DCF] Fair Price = unknown (Cash Flow -3.37b)
EPS Correlation: 97.72 | EPS CAGR: 18.41% | SUE: -0.39 | # QB: 0
Revenue Correlation: 98.18 | Revenue CAGR: 29.64% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.13 | Chg30d=-0.47% | Revisions=-33% | Analysts=2
EPS next Quarter (2026-09-30): EPS=3.20 | Chg30d=-3.17% | Revisions=-33% | Analysts=2
EPS current Year (2026-12-31): EPS=12.33 | Chg30d=-0.20% | Revisions=-50% | GrowthEPS=+13.4% | GrowthRev=+6.3%
EPS next Year (2027-12-31): EPS=14.42 | Chg30d=-0.75% | Revisions=+0% | GrowthEPS=+17.0% | GrowthRev=+5.7%
[Analyst] Revisions Ratio: -50%