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BAWAG Group: Moody’s affirms ratings and changes outlook from stable to positive
Wed 21 May 25, 08:00 PM3 European Stocks Estimated To Be Undervalued By Up To 48.6%
Fri 09 May 25, 10:37 AMBAWAG Group publishes Q1 2025 results: Net profit € 201 million and RoTCE 25.8%
Tue 29 Apr 25, 05:00 AMTop European Dividend Stocks To Consider Now
Mon 21 Apr 25, 05:31 AMBAWAG Group: Annual General Meeting approves dividend of € 5.50 per share
Fri 04 Apr 25, 03:30 PMBAWAG Group hosts Investor Day and announces new targets for 2027
Tue 04 Mar 25, 11:15 AMEuropean Dividend Stocks To Enhance Your Portfolio
Mon 03 Mar 25, 05:01 AMBAWAG Group: Acquisition of Barclays Consumer Bank Europe successfully completed
Mon 03 Feb 25, 07:30 AMBAWAG Group: Mandates of Management Board Members extended through end of 2029
Tue 28 Jan 25, 06:30 AM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1156.67M | 989.90M | 910.40M | 426.80M | 600.40M |
| Minority interest | -2.00000M | 0.00000M | 0.00000M | -0.30000M | -0.10000M |
| Net income | 859.58M | 760.00M | 682.60M | 318.30M | 479.90M |
| Selling general administrative | 266.00M | 117.10M | 107.10M | 110.30M | 111.30M |
| Selling and marketing expenses | - | 10.70M | 8.30M | 8.90M | 5.50M |
| Gross profit | 1994.15M | 1664.40M | 3142.60M | 1384.20M | 1316.70M |
| Reconciled depreciation | 254.00M | 137.00M | 64.40M | 62.80M | 79.00M |
| Ebit | - | - | -61.90000M | 427.80M | 596.60M |
| Ebitda | 1156.67M | - | 2.50M | 490.60M | 665.10M |
| Depreciation and amortization | - | 137.00M | 64.40M | 62.80M | 68.50M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 1156.67M | 1039.30M | 910.30M | 426.50M | 600.30M |
| Other operating expenses | 1064.90M | 625.10M | 490.20M | 853.60M | 693.60M |
| Interest expense | 1523.80M | 1789.30M | 1421.80M | 304.30M | 207.40M |
| Tax provision | 295.20M | 229.90M | 227.80M | 108.20M | 120.40M |
| Interest income | 3356.20M | 3097.30M | 2649.60M | 1309.40M | 1128.00M |
| Net interest income | 1832.40M | 1308.00M | 1227.80M | 1005.10M | 920.60M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 297.09M | 229.90M | 227.80M | 108.20M | 120.40M |
| Total revenue | 2221.57M | 1664.40M | 1400.50M | 1384.20M | 1316.70M |
| Total operating expenses | 837.49M | 625.10M | 490.20M | 853.60M | 693.60M |
| Cost of revenue | 227.41M | 1789.30M | -1742.10000M | - | - |
| Total other income expense net | - | -49.40000M | 0.10M | -2.80000M | 80.20M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 861.90M | 760.00M | 682.60M | 318.60M | 480.00M |
| Net income applicable to common shares | - | - | - | 318.30M | 455.40M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 72269.92M | 71341.00M | 55448.00M | 56523.00M | 56325.00M |
| Intangible assets | 417.84M | 413.00M | 410.00M | 424.00M | 439.00M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | -54.00000M | 1394.00M | 25.00M | 1784.00M |
| Total liab | 67426.74M | 66608.00M | 51278.00M | 52531.60M | 51946.10M |
| Total stockholder equity | 4834.19M | 4733.00M | 4170.00M | 3991.40M | 4373.90M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | 47289.00M | -190.00000M | 43.00M | 131.00M |
| Common stock | 76.97M | 79.00M | 78.50M | 3520.00M | 88.90M |
| Capital stock | 77.00M | 79.00M | 78.50M | 82.20M | 88.90M |
| Retained earnings | 3141.82M | 2940.00M | 2602.80M | 2419.80M | 2706.00M |
| Other liab | - | - | - | 1176.00M | 1111.00M |
| Good will | 116.96M | 119.00M | 122.00M | 98.00M | 96.00M |
| Other assets | - | 71341.00M | -8857.00000M | 36086.00M | 35310.00M |
| Cash | 14087.72M | 17604.00M | 694.00M | 520.00M | 1894.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 1651.18M | 47434.00M | 36319.50M | 41165.90M | 43274.80M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 4462.33M | -158.00000M | -694.00000M | 9716.00M | 5485.00M |
| Short term debt | 1651.18M | - | 1639.50M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 18550.05M | 17446.00M | 16117.00M | - | - |
| Other stockholder equity | - | 1714.00M | 1488.70M | 471.00M | 1578.10M |
| Property plant equipment | - | - | - | 352.00M | 290.00M |
| Total current assets | 14196.68M | 17658.00M | 2088.00M | 13096.00M | 13464.00M |
| Long term investments | 5222.00M | 5941.00M | 6908.00M | 6230.00M | 6882.00M |
| Net tangible assets | - | - | - | 3469.00M | 3838.00M |
| Short term investments | 108.96M | - | - | - | - |
| Net receivables | - | 54.00M | 38.00M | 12676.00M | 11195.00M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | -1432.00000M | - | - |
| Accounts payable | - | - | 259.00M | 40637.00M | 42521.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 1615.39M | 1714.00M | 1488.70M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 418.84M | 7594.00M | -7699.00000M | - | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 58073.24M | 53683.00M | 62217.00M | - | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 864.00M | 3884.00M | -524.00000M | -378.00000M | 1261.00M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | 606.00M | 3884.00M | - | - | 1188.00M |
| Net borrowings | 49.00M | -104.00000M | - | - | -28.00000M |
| Total cash from financing activities | -841.00000M | -310.00000M | -560.00000M | -647.00000M | -513.00000M |
| Change to operating activities | - | - | - | - | -371.00000M |
| Net income | 859.58M | 760.00M | 682.60M | 319.00M | 480.00M |
| Change in cash | -3511.00000M | 4818.00M | 174.00M | -1374.00000M | 987.00M |
| Begin period cash flow | 17604.00M | 12786.00M | 520.00M | 1894.00M | 907.00M |
| End period cash flow | 14093.00M | 17604.00M | 694.00M | 520.00M | 1894.00M |
| Total cash from operating activities | -3276.00000M | 1244.00M | 1258.00M | -349.00000M | 312.00M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 254.00M | 137.00M | 64.40M | 62.80M | 68.50M |
| Other cashflows from investing activities | 1887.52M | 27.00M | - | - | -1.00000M |
| Dividends paid | 477.82M | 393.00M | 305.00M | 267.00M | 460.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -213.91985M | -262.00000M | -175.00000M | -325.00000M | 25.00M |
| Other cashflows from financing activities | -23.30637M | 449.00M | -55.00000M | -54.00000M | -50.00000M |
| Change to netincome | - | - | - | - | 134.60M |
| Capital expenditures | 95.96M | 51.00M | 32.00M | 57.00M | 42.00M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -2569.03743M | 632.00M | 75.00M | -360.00000M | -371.00000M |
| Stock based compensation | - | - | 7.40M | 6.20M | 1.40M |
| Other non cash items | -1566.54050M | -285.00000M | 443.40M | -377.00000M | 133.10M |
| Free cash flow | -1459.45317M | 1193.00M | 1226.00M | -406.00000M | 270.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BWAGF BAWAG Group AG |
- -% | 199.00 | 12.16 | 11.39 | 4.24 | 2.01 | 12.48 |
| HDB HDFC Bank Limited ADR |
0.51 2.04% | 25.53 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
- -% | 29.94 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
- -% | 52.37 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
BAWAG Group AG operates as a holding company for BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft that provides various banking products and services in Austria, Western Europe, Germany, Ireland, Switzerland, the Netherlands, North America, and internationally. It operates through Retail & SME; Corporates, Real Estate & Public Sector; and Treasury segments. The Retail & SME segment offers savings, payments, securities, cards and lending, and investment and insurance products and services; small business lending; factoring and leasing business; social housing activities; and auto, mobile, and real estate leasing, as well as consumer and mortgage loans. This segment also owns issues covered with retail assets and Wohnbaubank bonds. The Corporates, Real Estate & Public segment provides lending products; international real estate financing; corporate, mid-cap, and public lending; and other financial services. This segment also owns issues covered with corporate or public sector assets. The Treasury segment offers trading and investment services, such as group asset-liability management transactions, including secured and unsecured funding. The company serves retail, small business, corporate, real estate, and public sector customers. BAWAG Group AG is headquartered in Vienna, Austria.
Wiedner Gürtel 11, Vienna, Austria, 1100
| Name | Title | Year Born |
|---|---|---|
| Mr. Anas Abuzaakouk | Chairman of the Management Board & CEO | 1977 |
| Mr. Enver Sirucic | CFO, Deputy CEO & Member of Management Board | 1982 |
| Mr. Satyen Shah | Deputy CEO, Head of Retail & SME and Member of Management Board | 1978 |
| Mr. David O'Leary | Chief Risk Officer & Member of the Management Board | 1975 |
| Mr. Andrew Wise | Chief Investment Officer, Head of Non-Retail Lending & Member of the Management Board | 1971 |
| Dr. Guido Jestadt | Member of Management Board, Gen. Counsel & Chief Admin. Officer | 1975 |
| Ms. Jutta Wimmer | Head of Investor Relations | NA |
| Manfred Rapolter | Head of Corp. Communications | NA |
| Dr. Guido Jestadt | Member of Management Board & Chief Administrative Officer | 1975 |
| Manfred Rapolter | Head of Corporate Communications | NA |
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