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

• Market Cap: €17.66B
• Dividend Yield: 6.36%
• Average Volume (3M): 3.11M
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.98
• Revenue Growth: -4.58%
• EPS Growth: -16.15%
• Country: NL
• Employees: 21,976
• Sector: Financial
• Sector Strength: 84
• Industry: Banks - Diversified
• EPS (TTM): 0.69
• Shares Outstanding: 833,048,600
• 10 Day Avg. Volume: 3,304,483
• 30 Day Avg. Volume: 3,109,479
• PEG Ratio: -1.93
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: €21.41
• Price Target Upside: 1.13% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 9

ABN AMRO's strong revenue growth and cost management are significant strengths, contributing to a sound financial position. The stock benefits from a favorable valuation with a low P/E ratio and high dividend yield, although profitability and cash flow challenges persist. The technical analysis suggests a modestly positive trend, reinforcing the stock's potential attractiveness.

ABN AMRO Group N.V. Business Overview & Revenue Model

Company Description

ABN AMRO Group N.V. (ABN) is a Dutch banking institution headquartered in Amsterdam, Netherlands. The company provides a broad range of financial products and services primarily focused on retail, private, and corporate banking. ABN AMRO serves individuals, small and medium-sized enterprises (SMEs), and large corporations with offerings that include savings and deposits, loans and mortgages, asset management, and payment solutions. The bank is committed to sustainable banking practices and innovation in financial services.

How the Company Makes Money

ABN AMRO generates revenue through a diversified range of financial services. The primary revenue streams include net interest income derived from traditional banking activities such as loans and mortgages, where the bank earns interest on the funds lent to customers. Additionally, ABN AMRO earns fee and commission income from wealth management, investment banking, and transaction services. The bank also generates income from trading activities and investments in financial markets. ABN AMRO's strategic focus on digital transformation and sustainable finance solutions further supports its revenue growth. Significant partnerships with fintech companies and collaborations in areas like payment processing and financial technology innovation are key contributors to enhancing the bank's service offerings and expanding its customer base.

ABN AMRO Group N.V. Financial Statement Overview

Summary

ABN AMRO Group N.V. shows solid revenue growth, a strong gross profit margin, and a stable balance sheet with reduced financial leverage. However, declining net profit margins, return on equity, and negative cash flows indicate challenges in profitability and cash flow efficiency. Overall financial health remains sound but requires attention to these areas.

Income Statement

ABN AMRO Group N.V. has demonstrated a healthy revenue growth trend over the years, with a noticeable increase from 2020 to 2024. The gross profit margin is strong at approximately 99.4% in 2024, indicating effective management of cost relative to revenue. However, the net profit margin decreased from 30.7% in 2023 to 26.9% in 2024, suggesting some pressure on net profitability despite revenue growth.

Balance Sheet

The company maintains a solid equity position, with an equity ratio of 6.8% in 2024, reflecting stability in its financial structure. The debt-to-equity ratio has improved significantly, reaching zero in 2024, which reduces financial risk. However, the return on equity decreased from 11.2% in 2023 to 9.2% in 2024, indicating a decline in how efficiently equity is being utilized to generate profit.

Cash Flow

Cash flow from operating activities has shown significant volatility, with a negative operating cash flow of -12.16 billion in 2024. Free cash flow has also been negative, which may impact the company's flexibility in capital allocation. The free cash flow to net income ratio is concerning, highlighting potential challenges in converting earnings into free cash flow.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
8.88B	8.78B	7.80B	7.64B	5.61B
	Gross Profit
8.94B	0.00	0.00	0.00	0.00
	EBIT
3.39B	3.63B	2.37B	1.99B	692.00M
	EBITDA
0.00	3.83B	2.70B	2.18B	923.00M
	Net Income Common Stockholders
2.40B	2.70B	1.87B	1.23B	-45.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
46.97B	71.62B	62.60B	67.60B	61.67B
	Total Assets
385.05B	377.91B	379.58B	399.11B	395.62B
	Total Debt
81.16B	54.39B	44.51B	48.93B	54.19B
	Net Debt
-44.46B	-662.00M	-18.09B	-18.66B	-7.49B
	Total Liabilities
358.94B	353.74B	356.77B	377.11B	374.63B
	Stockholders Equity
26.11B	24.17B	22.81B	21.99B	20.99B
Cash Flow		Free Cash Flow
-12.47B	-9.32B	-8.33B	9.40B	45.09B
	Operating Cash Flow
-12.16B	-9.03B	-8.14B	9.60B	45.31B
	Investing Cash Flow
-4.81B	-1.72B	-239.00M	3.86B	-2.48B
	Financing Cash Flow
7.53B	3.22B	2.95B	-7.38B	-9.84B

ABN AMRO Group N.V. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 21.17 is above the 20-day moving average (MA) of 18.85, above the 50-day MA of 18.44, and above the 200-day MA of 15.82, indicating a bullish trend. The MACD of 0.80 indicates Negative momentum. The RSI at 78.25 is Negative, neither overbought nor oversold. The STOCH value of 88.14 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NN	73 Outperform	€14.32B	9.95	7.69%	6.02%	-5.38%	38.01%
ABN	71 Outperform	€17.66B	7.67	10.26%	6.36%	-4.58%	-16.15%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%
VLK	63 Neutral	€2.42B	18.32	10.90%	3.51%	58.95%	―
AGN	61 Neutral	€9.63B	14.74	9.26%	5.16%	-5.08%	―
INGA	58 Neutral	€58.87B	9.61	11.97%	5.62%	0.34%	-5.20%
ALLFG	54 Neutral	€3.26B	―	-7.67%	1.82%	15.96%	-303.47%