OVB Holding (DE:O4B)
XETRA:O4B
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OVB Holding
(XETRA:O4B)
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Rating:65Neutral
Price Target:
€23.50
▲(24.34% Upside)
Action:DowngradedDate:03/29/26
The score is primarily supported by solid financial footing—especially consistent free cash flow and a historically conservative balance sheet—but is held back by the latest sharp revenue drop and negative EBIT. Technicals are mildly constructive, while valuation is mixed due to a high P/E despite an attractive dividend yield.
Positive Factors
Free cash flow resilience
Sustained and rising free cash flow provides durable financial flexibility: it funds dividends, supports advisor incentives, and allows reinvestment in IT/compliance without issuing equity. This reduces refinancing risk and cushions operating volatility over the next 2–6 months.
Negative Factors
Sharp 2025 revenue drop and negative EBIT
A large revenue collapse and swing to negative EBIT materially weakens underlying commission flows and operating leverage. Over 2–6 months this can impair advisor payouts, reduce recurring base, and force cost cuts or strategic reprioritisations that harm long-term growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow resilience
Sustained and rising free cash flow provides durable financial flexibility: it funds dividends, supports advisor incentives, and allows reinvestment in IT/compliance without issuing equity. This reduces refinancing risk and cushions operating volatility over the next 2–6 months.
Read all positive factors
OVB Holding (O4B) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€304.98M
Dividend Yield5.18%
Average Volume (3M)51.00
Price to Earnings (P/E)33.6
Beta (1Y)0.13
Revenue Growth6.99%
EPS Growth-55.40%
CountryDE
Employees793
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)0.21
Shares Outstanding14,251,314
10 Day Avg. Volume53
30 Day Avg. Volume51
Financial Highlights & Ratios
PEG Ratio-0.60
Price to Book (P/B)2.99
Price to Sales (P/S)0.66
P/FCF Ratio11.31
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.89
Revenue Forecast (FY)€463.75M
OVB Holding Business Overview & Revenue Model
Company Description
OVB Holding AG is a leading financial services provider based in Europe, specializing in the distribution of financial products and services. The company operates primarily in the financial advisory sector, offering a wide range of products includ...
How the Company Makes Money
OVB primarily makes money by acting as an intermediary between end customers and product providers (e.g., insurers and investment product companies). Its main revenue stream is commission income earned when its advisors arrange, broker, or place t...
OVB Holding Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
74
Positive
Cash Flow
77
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 437.21M | 408.64M | 354.35M | 331.95M | 320.70M |
| Gross Profit | 69.68M | 89.99M | 78.07M | 76.67M | 70.54M |
| EBITDA | 7.13M | 37.22M | 29.55M | 30.22M | 30.27M |
| Net Income | 8.57M | 19.22M | 14.31M | 14.67M | 15.71M |
Balance Sheet | |||||
| Total Assets | 372.76M | 295.88M | 272.96M | 261.11M | 257.82M |
| Cash, Cash Equivalents and Short-Term Investments | 135.96M | 132.87M | 120.79M | 122.49M | 128.91M |
| Total Debt | 9.90M | 2.45M | 2.44M | 2.01M | 2.13M |
| Total Liabilities | 276.11M | 194.16M | 177.26M | 167.60M | 166.45M |
| Stockholders Equity | 96.18M | 101.17M | 95.04M | 93.00M | 91.09M |
Cash Flow | |||||
| Free Cash Flow | 25.45M | 22.16M | 9.94M | 9.13M | 26.80M |
| Operating Cash Flow | 27.16M | 32.60M | 18.36M | 15.80M | 33.74M |
| Investing Cash Flow | -9.33M | -15.79M | -11.14M | 6.39M | -14.39M |
| Financing Cash Flow | -17.71M | -16.06M | -15.86M | -15.74M | -17.31M |
OVB Holding Technical Analysis
Positive
18.90
Price Trends
21.72
Negative
20.92
Positive
20.63
Positive
Market Momentum
-0.11
Positive
48.09
Neutral
44.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:O4B, the sentiment is Positive. The current price of 18.9 is below the 20-day moving average (MA) of 21.74, below the 50-day MA of 21.72, and below the 200-day MA of 20.63, indicating a neutral trend. The MACD of -0.11 indicates Positive momentum. The RSI at 48.09 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:O4B.
OVB Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | €304.98M | 33.59 | 8.98% | 5.18% | 6.99% | -55.40% | |
62 Neutral | €297.27M | 38.47 | 14.77% | ― | 12.27% | 46.73% | |
56 Neutral | €546.05M | 33.18 | 7.03% | ― | 7.48% | 107.16% | |
53 Neutral | €832.97M | 13.59 | 9.58% | 5.21% | 0.91% | -19.62% | |
51 Neutral | €185.17M | 104.59 | 12.06% | 0.85% | ― | ― |
* Financial Sector Average
DE:O4B
OVB Holding
21.20
-0.22
-1.01%
DE:HYQ
HYPOPORT
81.05
-113.95
-58.44%
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7.53
-0.08
-1.10%
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3.34
0.05
1.52%
DE:NF4
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78.09%
DE:JDC
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22.90
3.45
17.74%
OVB Holding Corporate Events
Financial DisclosuresRegulatory Filings and Compliance
OVB Holding Sets March 2026 Date for 2025 Annual Report
Neutral
Mar 4, 2026
OVB Holding AG has announced the planned publication date for its annual report for the 2025 financial year, covering the period from 1 January to 31 December 2025. The report is scheduled to be released on 26 March 2026 via the company’s in...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.