OVB Holding (O4B) AI Stock Analysis

• Market Cap: €285.03M
• Dividend Yield: 4.95%
• Average Volume (3M): 72.00
• Price to Earnings (P/E): 22.0
• Beta (1Y): <0.01
• Revenue Growth: 12.63%
• EPS Growth: -29.05%
• Country: DE
• Employees: 793
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.11
• Shares Outstanding: 14,251,314
• 10 Day Avg. Volume: 80
• 30 Day Avg. Volume: 72
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €22.50
• Price Target Upside: 11.39% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: €22.50 ▲(11.39% Upside)

The overall stock score of 61 reflects a stable financial position with consistent revenue growth and a strong balance sheet. However, technical indicators show bearish momentum, and the stock appears overvalued based on its P/E ratio. The high dividend yield is a positive aspect, providing a good income stream for investors.

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 makes money primarily through commission-based revenue generated from its financial advisors who sell a variety of financial products. The company earns fees from financial institutions for distributing their products, including insurance policies, investment funds, and retirement plans. Additionally, OVB may charge clients for financial planning services or consulting, contributing to its overall revenue. Key partnerships with various financial providers enhance OVB's service offerings, allowing it to diversify its product range and attract a broader client base, which in turn drives revenue growth.

OVB Holding Financial Statement Overview

Summary

OVB Holding shows a stable financial position with consistent revenue growth and strong balance sheet metrics. However, declining profit margins and negative free cash flow growth in TTM suggest potential challenges in maintaining profitability. The company should focus on improving operational efficiency to enhance margins and cash flow.

Income Statement

OVB Holding has demonstrated consistent revenue growth, with a 2.52% increase in TTM. However, margins have slightly declined, with the TTM gross profit margin at 19.34% and net profit margin at 3.86%, indicating some pressure on profitability. The EBIT and EBITDA margins have also decreased compared to previous periods, suggesting operational challenges.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.11, indicating prudent financial management. The return on equity is robust at 16.73%, reflecting effective use of shareholder funds. The equity ratio stands at 30.88%, showcasing a solid capital structure.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 21.75% in TTM, which could be a concern. However, the operating cash flow to net income ratio is healthy at 0.19, and the free cash flow to net income ratio is strong at 0.77, indicating good cash conversion efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	430.73M	408.64M	354.35M	331.95M	320.70M	270.56M
Gross Profit	76.28M	89.99M	78.07M	76.67M	63.26M	57.06M
EBITDA	30.76M	37.22M	29.59M	30.22M	30.43M	21.99M
Net Income	12.94M	19.22M	14.31M	14.67M	15.71M	10.48M
Balance Sheet
Total Assets	291.54M	303.68M	272.96M	261.11M	257.82M	233.48M
Cash, Cash Equivalents and Short-Term Investments	124.66M	132.87M	120.79M	122.49M	128.91M	117.87M
Total Debt	10.03M	11.04M	11.37M	2.01M	2.13M	2.31M
Total Liabilities	200.87M	201.97M	177.26M	167.60M	166.45M	143.48M
Stockholders Equity	90.03M	101.17M	95.04M	93.00M	91.09M	89.46M
Cash Flow
Free Cash Flow	17.87M	31.54M	12.41M	9.13M	26.80M	23.76M
Operating Cash Flow	24.47M	35.30M	18.36M	15.80M	33.74M	30.06M
Investing Cash Flow	-10.65M	-15.79M	-11.14M	6.39M	-14.39M	297.00K
Financing Cash Flow	-17.64M	-16.06M	-15.86M	-15.74M	-17.31M	-13.47M

OVB Holding Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 20.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 20.2 is below the 20-day moving average (MA) of 20.56, below the 50-day MA of 21.06, and below the 200-day MA of 20.80, indicating a bearish trend. The MACD of -0.31 indicates Positive momentum. The RSI at 36.87 is Neutral, neither overbought nor oversold. The STOCH value of 23.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:O4B.

OVB Holding Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JDC	73 Outperform	380.36M	57.85	10.26%	―	24.25%	179.87%
O4B	61 Neutral	€285.03M	22.04	14.27%	4.95%	12.63%	-29.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

OVB Holding Corporate Events

OVB Holding AG Prepares to Release Half-Year Financial Report for 2025

OVB Holding AG has announced the forthcoming release of its half-year financial report for 2025, covering the period from January 1 to June 30. The report will be published on August 8, 2025, and will be accessible online through their investor relations website. This announcement is part of the company’s compliance with financial reporting regulations, and it provides stakeholders with an opportunity to assess the company’s performance and strategic direction for the first half of the year.

OVB Holding AG Lowers 2025 EBIT Forecast Amid Partner Insolvency

OVB Holding AG has revised its EBIT forecast for the 2025 financial year due to the insolvency of a product partner affecting its subsidiaries in several European countries. The company now expects operating earnings to be between EUR 10 and 15 million, down from the previous forecast of EUR 20 to 23 million, despite a projected increase in brokerage income. The revision is attributed to increased sales expenses and legal costs, with the full extent of financial risks still uncertain. OVB is closely monitoring the situation and will update stakeholders as required.