OVB Holding (O4B) AI Stock Analysis

• Market Cap: €310.68M
• Dividend Yield: 5.18%
• Average Volume (3M): 51.00
• Price to Earnings (P/E): 33.6
• Beta (1Y): 0.15
• Revenue Growth: 11.99%
• EPS Growth: -38.09%
• Country: DE
• Employees: 793
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.21
• Shares Outstanding: 14,251,314
• 10 Day Avg. Volume: 53
• 30 Day Avg. Volume: 51
• PEG Ratio: -0.60
• Price to Book (P/B): 2.99
• Price to Sales (P/S): 0.66
• P/FCF Ratio: 11.31
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.18
• Revenue Forecast (FY): €470.16M

• Rating: 65 Neutral
• Price Target: €23.50 ▲(24.34% Upside)
• Action: Downgraded Date: 03/29/26
• Date: Action: Downgraded 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.

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...

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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...

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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

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

• Technical Analysis Sentiment: Neutral
• Last Price: 18.90
• 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 Neutral. The current price of 18.9 is below the 20-day moving average (MA) of 22.06, below the 50-day MA of 21.74, and below the 200-day MA of 20.65, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 47.99 is Neutral, neither overbought nor oversold. The STOCH value of 24.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:O4B.

OVB Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
O4B	65 Neutral	€310.68M	33.59	8.98%	5.18%	11.99%	-38.09%
JDC	62 Neutral	€281.70M	38.47	14.77%	―	17.04%	79.96%
HYQ	61 Neutral	€483.90M	33.18	7.01%	―	61.87%	-32.87%
NF4	51 Neutral	€181.67M	102.62	12.06%	0.85%	23.63%	―
MLP	49 Neutral	€781.60M	13.59	9.65%	5.21%	2.33%	1.58%

OVB Holding Corporate Events