ABN AMRO Group N.V. (NL:ABN)
:ABN
Want to see NL:ABN full AI Analyst Report?
Top Page
ABN AMRO Group N.V.
(ABN)
Select Model
Select Model
Rating:66Neutral
Price Target:
€38.00
▲(24.51% Upside)
Action:Reiterated
Date:05/26/26
The score is driven primarily by mixed financial performance: solid profitability and ROE are offset by high leverage and notably volatile cash flows. Technicals are supportive with a strong uptrend, but overbought signals raise near-term risk. Valuation is a positive contributor due to the low P/E and a moderate dividend yield.
Positive Factors
Solid profitability and ROE
Consistent positive ROE and healthy net margins indicate the franchise earns attractive returns on equity capital. Over a 2–6 month horizon this underpins resilience to cyclical headwinds, supports reinvestment, dividend capacity, and signals an economically viable banking model.
Negative Factors
Elevated leverage
High debt-to-equity increases sensitivity to credit deterioration, funding stress, and interest-rate moves. Structurally elevated leverage limits margin for error on loan losses and raises regulatory/market scrutiny, constraining strategic flexibility during downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Solid profitability and ROE
Consistent positive ROE and healthy net margins indicate the franchise earns attractive returns on equity capital. Over a 2–6 month horizon this underpins resilience to cyclical headwinds, supports reinvestment, dividend capacity, and signals an economically viable banking model.
Read all positive factors
ABN AMRO Group N.V. (ABN) vs. iShares MSCI Netherlands ETF (EWN)
Market Cap
€28.08B
Dividend Yield4.36%
Average Volume (3M)2.52M
Price to Earnings (P/E)12.1
Beta (1Y)0.90
Revenue Growth-9.78%
EPS Growth1.72%
CountryNL
Employees21,976
SectorGeneral
Sector StrengthN/A
IndustryBanks - Diversified
Share Statistics
EPS (TTM)2.57
Shares Outstanding823,201,300
10 Day Avg. Volume2,575,831
30 Day Avg. Volume2,524,845
Financial Highlights & Ratios
PEG Ratio-1.11
Price to Book (P/B)0.91
Price to Sales (P/S)1.46
P/FCF Ratio5.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€38.57Price Target Upside26.39% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)2.89
Revenue Forecast (FY)€9.37B
ABN AMRO Group N.V. Business Overview & Revenue Model
Company Description
ABN AMRO Bank N.V. provides various banking products and services to retail, private, and business clients in the Netherlands and internationally. It operates through three segments: Personal & Business Banking, Wealth Management, and Corporate Ba...
How the Company Makes Money
ABN AMRO primarily makes money by earning (1) net interest income and (2) fee and commission income, supplemented by other income items typical for a universal bank.
1) Net interest income (interest margin)
- The bank takes deposits (e.g., curren...
ABN AMRO Group N.V. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
42
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.97B | 16.88B | 19.50B | 8.78B | 7.80B | 7.64B |
| Gross Profit | 8.81B | 8.76B | 8.88B | 8.59B | 7.80B | 7.64B |
| EBITDA | 3.35B | 3.21B | 3.58B | 3.64B | 2.55B | 2.03B |
| Net Income | 2.31B | 2.25B | 2.40B | 2.70B | 1.87B | 1.23B |
Balance Sheet | ||||||
| Total Assets | 413.92B | 413.21B | 385.05B | 377.91B | 379.58B | 399.11B |
| Cash, Cash Equivalents and Short-Term Investments | 49.39B | 51.53B | 45.63B | 71.62B | 62.60B | 67.60B |
| Total Debt | 110.25B | 79.02B | 97.17B | 89.88B | 91.41B | 48.93B |
| Total Liabilities | 386.44B | 386.17B | 358.94B | 353.74B | 356.77B | 377.11B |
| Stockholders Equity | 27.48B | 27.04B | 26.11B | 24.17B | 22.81B | 21.99B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.34B | -12.47B | -9.32B | -8.33B | 9.40B |
| Operating Cash Flow | 0.00 | 4.63B | -12.16B | -9.03B | -8.14B | 9.60B |
| Investing Cash Flow | 0.00 | -17.08B | -4.81B | -1.72B | -239.00M | 3.86B |
| Financing Cash Flow | 0.00 | 17.47B | 7.53B | 3.22B | 2.95B | -7.38B |
ABN AMRO Group N.V. Technical Analysis
Positive
30.52
Price Trends
29.45
Positive
29.01
Positive
27.58
Positive
Market Momentum
1.38
Negative
67.54
Neutral
59.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:ABN, the sentiment is Positive. The current price of 30.52 is below the 20-day moving average (MA) of 32.02, above the 50-day MA of 29.45, and above the 200-day MA of 27.58, indicating a bullish trend. The MACD of 1.38 indicates Negative momentum. The RSI at 67.54 is Neutral, neither overbought nor oversold. The STOCH value of 59.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:ABN.
ABN AMRO Group N.V. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €2.83B | 17.98 | 12.31% | 7.89% | -0.08% | ― | |
66 Neutral | €28.08B | 12.07 | 9.85% | 4.36% | -9.78% | 1.72% | |
60 Neutral | €75.69B | 12.00 | 12.05% | 5.10% | 2.44% | 10.58% | |
58 Neutral | €10.92B | 11.33 | 14.36% | 5.79% | 26.07% | 45.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | €13.32B | 22.89 | 6.31% | 5.32% | 29.96% | -44.65% | |
53 Neutral | €18.05B | 24.92 | 6.47% | 5.40% | -0.97% | -25.25% |
* General Sector Average
NL:ABN
ABN AMRO Group N.V.
34.12
12.57
58.30%
NL:AGN
Aegon NV
7.31
1.33
22.27%
NL:ASRNL
ASR Nederland N.V
64.30
10.47
19.44%
NL:INGA
ING GROEP
26.70
9.02
51.04%
NL:NN
NN Group N.V.
71.68
18.11
33.80%
NL:VLK
Van Lanschot N.V.
66.60
15.71
30.87%
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.