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ABN AMRO Bank N.V. (ABN.AS)

EUR38.46 +0.44 (+1.16%)
NL AMS Financial Services Banks - Diversified
Address Gustav Mahlerlaan 10 1082 PP
Amsterdam, NL
CEO Marguerite Berard-Andrieu
Website abnamro.nl
IPO 2015-11-20
ISIN NL0011540547

Explore sections of this company profile

Also trades on Euronext Amsterdam · ABN.AS (EUR) Other OTC · AAVMY (USD) Other OTC · ABMRF (USD)
Description

ABN AMRO Bank N.V. is a financial institution that delivers a wide array of banking services and products to private individuals, affluent clients, and businesses across the Netherlands and internationally. Its operations are structured into three primary divisions: Personal & Business Banking, Wealth Management, and Corporate Banking. The bank's portfolio includes savings and deposit accounts, as well as residential mortgages, notably those offered under the Florius brand. It also provides a range of consumer lending options, available through brands such as Alpha Credit Nederland, Credivance, Defam, Moneyou, and its proprietary ABN AMRO brand. Furthermore, ABN AMRO handles the issuance, marketing, administration, and processing of credit cards, offering revolving credit facilities and pension plans, alongside various life and non-life insurance products. Additionally, it supplies asset-based financial solutions, encompassing working capital support, equipment leases and loans, and vendor lease programs. The institution extends private banking and wealth management services to its high-net-worth clientele, and provides derivatives and equity clearing services. ABN AMRO Bank N.V. was established in 2009 and has its main headquarters situated in Amsterdam, the Netherlands.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR38.46 +0.44 (+1.16%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.76
Float Shares
523.21M
Free Float %
63.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.79% +8.84% +6.91% +14.05% +19.44% +9.53% +52.41% +126.91% +206.67% +88.83% +77.82%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
38.46
DCF (Unlevered) 90.33 +134.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 58% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 8 -1
Hold 6 0
Sell 0 0
Strong Sell 2 0
Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -13.4% Q1'26: +2.6% (vs Q1'25)
  • EPS growth
    -9.6% Q1'26: +21.7% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +21.3% (vs Q1'25)
  • ROIC
    Q1'26: +3.3% (vs Q1'25)
  • Share dilution
    -1.3% Q1'26: -1.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 32.12× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.74) × ERP
WACC = 23% × Ke + 77% × Kd (10.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 90.04 Current price: 38.46
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
13 Rev. Ana.
14 EPS Ana.
Dec 2027
15 Rev. Ana.
14 EPS Ana.
Dec 2028
13 Rev. Ana.
11 EPS Ana.
Dec 2029
12 Rev. Ana.
4 EPS Ana.
Revenue
7.95B
est: 8.49B (-6.4%)
8.11B
est: 8.46B (-4.1%)
9.35B
est: 8.99B (+4.0%)
8.44B
est: 9.09B (-7.2%)
7.95B
est: 8.59B (-7.4%)
5.61B
est: 7.93B (-29.2%)
7.64B
est: 7.39B (+3.4%)
7.80B
est: 7.59B (+2.8%)
8.78B
est: 8.73B (+0.6%)
19.50B
est: 8.80B (+121.6%)
16.88B
est: 8.75B (+93.0%)
9.36B
9.25B – 9.58B
+7.0% YoY
9.97B
9.45B – 10.24B
+6.5% YoY
10.36B
10.35B – 10.37B
+3.9% YoY
10.73B
10.38B – 11.00B
+3.5% YoY
EBITDA
5.31B
est: 2.22B (+138.8%)
5.07B
est: 2.21B (+129.0%)
6.45B
est: 2.35B (+174.2%)
3.68B
est: 2.38B (+54.7%)
3.17B
est: 6.77B (-53.1%)
655.00M
est: 6.19B (-89.4%)
2.03B
est: 6.11B (-66.7%)
2.55B
est: 6.04B (-57.8%)
3.64B
est: 2.41B (+51.0%)
3.58B
est: 2.42B (+48.0%)
3.21B
est: 2.42B (+32.8%)
2.58B
2.56B – 2.64B
+7.0% YoY
2.75B
2.61B – 2.83B
+6.5% YoY
2.86B
2.86B – 2.86B
+3.9% YoY
2.96B
2.87B – 3.04B
+3.5% YoY
EBIT
4.99B
est: 2.00B (+149.2%)
4.61B
est: 2.71B (+70.3%)
5.97B
est: 2.62B (+127.9%)
3.38B
est: 3.77B (-10.5%)
2.93B
est: 2.94B (-0.1%)
395.00M
est: 2.45B (-83.9%)
1.84B
est: 2.42B (-24.0%)
2.38B
est: 2.39B (-0.7%)
3.47B
est: 2.26B (+53.4%)
3.42B
est: 2.27B (+50.6%)
3.06B
est: 2.27B (+34.8%)
2.43B
2.40B – 2.48B
+7.0% YoY
2.59B
2.45B – 2.66B
+6.5% YoY
2.69B
2.68B – 2.69B
+3.9% YoY
2.78B
2.69B – 2.85B
+3.5% YoY
Net Income
1.92B
est: 1.73B (+10.8%)
1.81B
est: 1.91B (-5.5%)
2.77B
est: 1.93B (+44.0%)
2.31B
est: 2.78B (-16.7%)
2.05B
est: 2.20B (-7.0%)
-45.00M
est: 1.87B (-102.4%)
1.23B
est: 1.85B (-33.3%)
1.87B
est: 2.40B (-22.1%)
2.70B
est: 2.53B (+6.7%)
2.40B
est: 2.25B (+7.0%)
2.25B
est: 2.11B (+6.7%)
2.37B
1.96B – 2.58B
+12.3% YoY
2.75B
2.55B – 3.38B
+16.2% YoY
3.11B
3.09B – 3.66B
+13.1% YoY
3.95B
3.78B – 4.08B
+26.8% YoY
SGA
2.37B
est: 2.58B (-8.3%)
2.41B
est: 6.93B (-65.3%)
2.47B
est: 7.81B (-68.3%)
2.45B
est: 6.91B (-64.5%)
2.48B
est: 7.44B (-66.7%)
2.41B
est: 7.00B (-65.6%)
2.97B
est: 6.91B (-57.0%)
2.55B
est: 6.83B (-62.6%)
2.24B
est: 2.22B (+0.8%)
2.30B
est: 6.69B (-65.5%)
3.10B
est: 2.23B (+39.3%)
2.38B
2.36B – 2.44B
+7.0% YoY
2.54B
2.41B – 2.61B
+6.5% YoY
2.64B
2.64B – 2.64B
+3.9% YoY
2.73B
2.64B – 2.80B
+3.5% YoY
EPS
2.03
est: 2.06 (-1.5%)
1.87
est: 2.07 (-9.7%)
2.89
est: 2.71 (+6.7%)
2.35
est: 2.44 (-3.7%)
2.06
est: 2.20 (-6.3%)
-0.17
est: -0.13 (-35.2%)
1.21
est: 1.22 (-0.8%)
1.96
est: 1.60 (+22.2%)
2.99
est: 2.95 (+1.3%)
2.72
est: 2.72 (+0.0%)
2.45
est: 2.63 (-6.8%)
2.82
2.36 – 3.11
+7.5% YoY
3.45
3.07 – 4.07
+22.1% YoY
4.09
3.72 – 4.42
+18.7% YoY
4.76
4.56 – 4.92
+16.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-11 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-08 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-07 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-06 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-05 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-05-04 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-30 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-29 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-27 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-24 B- 2/5 1/5 3/5 3/5 1/5 3/5 3/5
2026-04-23 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-22 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-21 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-17 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5
2026-04-15 B- 3/5 1/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-162.00M
OE per share TTM
-0.19
Owner's Yield
-0.67%
Maintenance CapEx ratio
0.48%
Maint CapEx / Avg PPE
9.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
139.2K
Shares Outstanding
823.20M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Marguerite Bérard-Andrieu Chief Executive Officer & Chairman of Executive Board 2M female
Serena Fioravanti Chief Risk Officer & Member of Executive Board 1M female
Carsten Bittner Chief Innovation & Technology Officer and Member of Executive Board 955.0K male
Ferdinand Vaandrager Chief Financial Officer & Member of Executive Board 952.0K male
Choy van der Hooft-Cheong Chief Commercial Officer of Wealth Management & Member of Executive Board 943.0K female
Annerie Vreugdenhil Chief Commercial Officer of Personal & Business Banking and Member of Executive Board 931.0K female
Dan Dorner Chief Commercial Officer of Corporate Banking & Vice Chairman of Executive Board 917.0K male
John Heijning Head of Investor Relations male
Jos G. Ter Avest Senior Managing Director of Private Banking Netherlands
Hanneke Dorsman General Counsel & Company Secretary female
Rutger Vincent C. Schellens Senior Managing Director of Capital Market Solutions male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits