ABN AMRO Group N.V. (ABN) AI Stock Analysis

• Market Cap: €21.94B
• Dividend Yield: 4.36%
• Average Volume (3M): 2.52M
• Price to Earnings (P/E): 15.0
• Beta (1Y): 0.86
• Revenue Growth: -12.70%
• EPS Growth: -12.34%
• Country: NL
• Employees: 21,976
• Sector: General
• Sector Strength: N/A
• Industry: Banks - Diversified
• EPS (TTM): 0.43
• Shares Outstanding: 823,201,300
• 10 Day Avg. Volume: 2,575,831
• 30 Day Avg. Volume: 2,524,845
• PEG Ratio: -1.11
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 1.46
• P/FCF Ratio: 5.70
• 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: €35.05
• Price Target Upside: 31.52% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): 2.81
• Revenue Forecast (FY): €9.31B

• Rating: 57 Neutral
• Price Target: €28.00 ▲(5.07% Upside)
• Action: Downgraded Date: 03/17/26
• Date: Action: Downgraded 03/17/26

The score is driven primarily by mixed financial performance—solid profitability and ROE, but reduced predictability due to leverage and highly volatile cash flows. Weak technical momentum (below key moving averages and negative MACD) further weighs on the score, while a reasonable P/E and strong dividend yield provide partial support.

Positive Factors

Consistent ROE & Profitability

Sustained positive ROE (~8–11%) indicates the bank generates acceptable returns on capital across recent years. That persistent profitability supports dividend capacity, retention to build capital buffers, and long-term shareholder value assuming cyclical stress remains manageable.

Negative Factors

Elevated Leverage

Leverage at ~2.9–4.0x increases sensitivity to credit losses, funding stress, and interest‑rate swings. While typical for banks, this range tightens operational flexibility, magnifies earnings volatility in downturns, and raises the need for conservative provisioning and capital planning.

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...

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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...

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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

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

• Technical Analysis Sentiment: Negative
• Last Price: 26.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:ABN, the sentiment is Negative. The current price of 26.65 is below the 20-day moving average (MA) of 27.32, below the 50-day MA of 28.98, and below the 200-day MA of 27.01, indicating a bearish trend. The MACD of -0.57 indicates Negative momentum. The RSI at 40.20 is Neutral, neither overbought nor oversold. The STOCH value of 57.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NL:ABN.

ABN AMRO Group N.V. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VLK	62 Neutral	€2.47B	14.28	12.31%	7.89%	24.42%	―
INGA	60 Neutral	€61.57B	12.40	12.05%	5.10%	0.12%	-2.71%
ASRNL	59 Neutral	€12.02B	6.94	6.31%	5.32%	16.35%	67.44%
AGN	58 Neutral	€9.04B	4.30	14.36%	5.79%	-6.64%	―
ABN	57 Neutral	€21.94B	14.95	9.85%	4.36%	-12.70%	-12.34%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
NN	53 Neutral	€16.58B	―	6.47%	5.40%	-15.54%	10.53%