OVB Holding (O4B) AI Stock Analysis

• Market Cap: €313.53M
• Dividend Yield: 4.54%
• Average Volume (3M): 144.00
• Price to Earnings (P/E): 19.4
• Beta (1Y): 0.06
• Revenue Growth: 14.25%
• EPS Growth: -0.96%
• Country: DE
• Employees: 793
• Sector: Financial
• Sector Strength: 80
• Industry: Financial - Capital Markets
• EPS (TTM): 0.10
• Shares Outstanding: 14,251,314
• 10 Day Avg. Volume: 61
• 30 Day Avg. Volume: 144
• PEG Ratio: -3.36
• Price to Book (P/B): 3.37
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 34.34
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €24.00
• Price Target Upside: 9.09% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: €24.00 ▲(9.09%Upside)

OVB Holding shows strong financial performance with solid revenue growth and profitability, balanced by concerns over recent gross margin declines and capital expenditures. The technical analysis reflects a neutral market position, and the valuation is reasonable with a healthy dividend yield. The absence of recent earnings call insights or corporate events results in these components being excluded from the analysis.

OVB Holding Business Overview & Revenue Model

Company Description

OVB Holding AG, through its subsidiaries, provides advisory and brokerage services to private households in Europe. The company provides advisory services to clients in structuring their finances; and broking various financial products offered by insurance companies, banks, building societies, and other enterprises. OVB Holding AG was founded in 1970 and is headquartered in Cologne, Germany.

How the Company Makes Money

OVB Holding AG generates revenue primarily through commissions and fees earned from the sale of financial products and services. The company partners with a network of financial advisors who provide tailored advice and solutions to clients. These advisors earn commissions from product providers when clients purchase financial products such as insurance policies, investment funds, or retirement plans. OVB's revenue model is heavily reliant on the performance of its network of advisors and their ability to attract and retain clients. Key revenue streams include commissions from insurance products, investment products, and other financial services. Additionally, strategic partnerships with major financial institutions and insurance companies enhance OVB's product offerings and contribute to its earnings.

OVB Holding Financial Statement Overview

Summary

OVB Holding demonstrates solid financial performance with strong revenue growth, stable profit margins, and a strong balance sheet. The company shows effective cost management and operational efficiency, but the recent decline in gross profit margin and increased capital expenditures require monitoring.

Income Statement

OVB Holding has shown consistent revenue growth over recent years, with a significant increase from 2020 to 2024. The gross profit margin and net profit margin have remained stable, indicating effective cost management. The EBIT and EBITDA margins are healthy, suggesting strong operational efficiency. However, the decline in gross profit margin from 2022 to 2024 may be a concern if the trend continues.

Balance Sheet

The company maintains a strong financial position with a low debt-to-equity ratio, indicating conservative leverage. The equity ratio is healthy, reflecting a solid capital structure. The return on equity shows an improving trend, highlighting effective use of shareholders' funds. Overall, the balance sheet is stable with sufficient liquidity.

Cash Flow

OVB Holding has demonstrated strong free cash flow growth, particularly from 2023 to 2024. The operating cash flow to net income ratio indicates good cash earnings quality. While free cash flow to net income remains robust, the decrease in investing cash flow suggests increased capital expenditures, which could affect future liquidity if not managed properly.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	408.64M	354.35M	331.95M	320.70M	270.56M
Gross Profit	89.99M	78.07M	76.67M	63.26M	57.06M
EBITDA	37.22M	29.59M	30.22M	30.43M	21.99M
Net Income	19.22M	14.31M	14.67M	15.71M	10.48M
Balance Sheet
Total Assets	303.68M	272.96M	261.11M	257.82M	233.48M
Cash, Cash Equivalents and Short-Term Investments	132.87M	120.79M	122.49M	128.91M	117.87M
Total Debt	11.04M	11.37M	2.01M	2.13M	2.31M
Total Liabilities	201.97M	177.26M	167.60M	166.45M	143.48M
Stockholders Equity	101.17M	95.04M	93.00M	91.09M	89.46M
Cash Flow
Free Cash Flow	31.54M	12.41M	9.13M	26.80M	23.76M
Operating Cash Flow	35.30M	18.36M	15.80M	33.74M	30.06M
Investing Cash Flow	-18.49M	-11.14M	6.39M	-14.39M	297.00K
Financing Cash Flow	-16.06M	-15.86M	-15.74M	-17.31M	-13.47M

OVB Holding Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 22 is above the 20-day moving average (MA) of 21.93, above the 50-day MA of 21.77, and above the 200-day MA of 20.16, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 54.61 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	$16.81B	11.85	9.77%	3.76%	12.07%	-8.35%
O4B	66 Neutral	€313.53M	19.35	16.05%	4.54%	14.25%	-0.96%
QB7		€151.08M	21.75		4.60%	―	―
UBK		€184.20M	―		―	―	―
IFA		€315.82M	―		―	―	―
EUX		€228.66M	39.00	7.07%	7.31%	―	―
JDC	73 Outperform	€316.75M	50.57	11.50%	―	28.73%	224.95%

OVB Holding Corporate Events

OVB Holding AG Pre-announces 2024 Financial Report

OVB Holding AG, a company based in Cologne, Germany, has announced the pre-release of its financial report for the year 2024. The report, covering the period from January 1, 2024, to December 31, 2024, will be published on March 28, 2025, on their investor relations website. This announcement is part of their compliance with financial reporting regulations, and it may provide insights into the company’s financial health and strategic direction, potentially impacting stakeholders and market perceptions.