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BAWAG Group AG (BG.VI)

EUR173.60 -1.90 (-1.08%)
AT VIE Financial Services Banks - Regional
Address Wiedner GUertel 11 1100
Vienna, AT
CEO Anas Abuzaakouk
IPO 2017-10-25
ISIN AT0000BAWAG2

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Also trades on Other OTC · BWAGF (USD) Vienna Stock Exchange · BG.VI (EUR)
Description

BAWAG Group AG functions as the parent entity for BAWAG P.S.K., offering a comprehensive suite of banking and financial services. Its operational footprint extends across Austria, Western Europe, North America, and other international regions. The Retail & SME division serves individual consumers and smaller businesses with offerings such as savings accounts, payment solutions, credit cards, various lending products (including small business loans, factoring, and leasing), investment opportunities, and insurance coverage. This segment also participates in social housing initiatives and manages real estate leasing platforms. For larger entities, the Corporates & Public segment delivers credit facilities to international corporations, handles international real estate financing, and provides lending services to corporate, mid-cap, and public sector clients, alongside other financial provisions. Furthermore, the Treasury segment is dedicated to trading and investment management, including asset-liability management transactions that encompass both secured and unsecured funding strategies. The company's headquarters are situated in Vienna, Austria.

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
EUR173.60 -1.90 (-1.08%)
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Volume Profile
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Liquidity & share structure
Average Volume
162.8K
Beta
0.79
Float Shares
73.44M
Free Float %
95.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.12% +0.85% +5.77% +16.74% +33.54% +18.54% +40.73% +276.77% +240.93% +231.40% +231.40%
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
173.60
DCF (Unlevered) 634.37 +265.4%
DCF (Levered) 259.09 +49.2%

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) 90% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 5 0
Hold 1 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.32
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +46.8% Q4'25: +64.6% (vs Q4'24)
  • EPS growth
    +16.6% Q4'25: +16.7% (vs Q4'24)
  • FCF margin
    Q4'25: +0.0% (vs Q4'24)
  • EBIT margin
    Q4'25: +44.1% (vs Q4'24)
  • ROIC
    Q4'25: +10.9% (vs Q4'24)
  • Share dilution
    0.0% Q4'25: 0.0% (vs Q4'24)
  • Debt / EBITDA
    Q4'25: 5.13× (vs Q4'24)
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 (0.78) × ERP
WACC = 40% × Ke + 60% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 634.37 Current price: 173.60
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 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
8 Rev. Ana.
7 EPS Ana.
Dec 2027
7 Rev. Ana.
6 EPS Ana.
Dec 2028
6 Rev. Ana.
4 EPS Ana.
Dec 2029
5 Rev. Ana.
2 EPS Ana.
Dec 2030
3 Rev. Ana.
2 EPS Ana.
Revenue
1.04B
est: 1.04B (-0.2%)
1.17B
est: 1.17B (+0.5%)
1.34B
est: 1.23B (+9.1%)
1.27B
est: 1.17B (+8.1%)
1.32B
est: 1.22B (+7.5%)
1.38B
est: 1.33B (+4.0%)
1.40B
est: 1.44B (-2.6%)
1.51B
est: 1.61B (-6.0%)
2.22B
est: 2.21B (+0.6%)
2.37B
2.31B – 2.39B
+7.3% YoY
2.61B
2.54B – 2.64B
+10.2% YoY
2.73B
2.67B – 2.78B
+4.4% YoY
2.67B
2.60B – 2.70B
-2.2% YoY
2.76B
2.69B – 2.79B
+3.4% YoY
EBITDA
577.30M
est: 548.39M (+5.3%)
625.60M
est: 615.43M (+1.7%)
682.10M
est: 650.37M (+4.9%)
432.90M
est: 618.88M (-30.1%)
665.10M
est: 646.41M (+2.9%)
490.60M
est: 702.75M (-30.2%)
972.30M
est: 810.68M (+19.9%)
1.13B
est: 908.34M (+24.1%)
1.16B
est: 1.25B (-7.1%)
1.34B
1.30B – 1.35B
+7.3% YoY
1.47B
1.43B – 1.49B
+10.2% YoY
1.54B
1.51B – 1.57B
+4.4% YoY
1.50B
1.47B – 1.52B
-2.2% YoY
1.56B
1.52B – 1.57B
+3.4% YoY
EBIT
496.30M
est: 486.52M (+2.0%)
567.60M
est: 546.00M (+4.0%)
599.10M
est: 577.00M (+3.8%)
370.10M
est: 549.07M (-32.6%)
596.60M
est: 573.49M (+4.0%)
427.80M
est: 623.47M (-31.4%)
907.90M
est: 743.42M (+22.1%)
989.90M
est: 832.97M (+18.8%)
1.16B
est: 1.14B (+1.3%)
1.23B
1.19B – 1.24B
+7.3% YoY
1.35B
1.31B – 1.37B
+10.2% YoY
1.41B
1.38B – 1.44B
+4.4% YoY
1.38B
1.34B – 1.39B
-2.2% YoY
1.43B
1.39B – 1.44B
+3.4% YoY
Net Income
466.60M
est: 227.61M (+105.0%)
436.50M
est: 219.76M (+98.6%)
459.10M
est: 253.47M (+81.1%)
285.20M
est: 161.66M (+76.4%)
479.90M
est: 300.50M (+59.7%)
318.30M
est: 343.41M (-7.3%)
682.60M
est: 680.40M (+0.3%)
760.00M
est: 638.78M (+19.0%)
859.90M
est: 845.00M (+1.8%)
957.36M
923.41M – 1.03B
+13.3% YoY
1.26B
1.14B – 1.37B
+31.2% YoY
1.23B
1.23B – 1.55B
-2.0% YoY
1.44B
1.39B – 1.46B
+17.1% YoY
1.53B
1.47B – 1.55B
+5.9% YoY
SGA
114.90M
est: 92.68M (+24.0%)
150.60M
est: 104.01M (+44.8%)
135.90M
est: 109.91M (+23.6%)
132.40M
est: 104.59M (+26.6%)
116.80M
est: 109.25M (+6.9%)
119.20M
est: 118.77M (+0.4%)
115.40M
est: 98.25M (+17.5%)
127.80M
est: 110.09M (+16.1%)
est: 151.01M (-100.0%)
162.04M
157.91M – 163.59M
+7.3% YoY
178.53M
173.75M – 180.54M
+10.2% YoY
186.39M
182.68M – 190.10M
+4.4% YoY
182.33M
177.56M – 184.23M
-2.2% YoY
188.62M
183.69M – 190.58M
+3.4% YoY
EPS
4.49
est: 2.88 (+56.1%)
4.38
est: 2.78 (+57.7%)
4.54
est: 3.20 (+41.8%)
3.07
est: 2.04 (+50.3%)
5.13
est: 3.80 (+35.1%)
3.37
est: 4.34 (-22.3%)
8.05
est: 8.51 (-5.4%)
9.40
est: 8.16 (+15.2%)
10.87
est: 10.59 (+2.6%)
12.42
11.67 – 13.01
+17.2% YoY
15.54
14.42 – 17.34
+25.2% YoY
17.79
15.50 – 19.55
+14.5% YoY
18.22
17.60 – 18.47
+2.4% YoY
19.29
18.63 – 19.55
+5.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-28 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-27 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-26 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-25 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-22 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-21 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-20 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-19 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-18 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-15 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-14 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-13 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-12 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-11 B 3/5 4/5 5/5 4/5 1/5 2/5 1/5
2026-05-08 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-07 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-05 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-04 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-30 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5
2026-04-15 C 2/5 5/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
71.40M
OE per share TTM
0.90
Owner's Yield
0.59%
Maintenance CapEx ratio
12.12%
Maint CapEx / Avg PPE
20.1%

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
466.0K
Shares Outstanding
76.98M

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
Anas Abuzaakouk Chairman of the Management Board & Chief Executive Officer 5M male
Satyen Shah Deputy CEO, Head of Digital Bank & Specialty Finance and Member of Management Board 4M male
Andrew Wise Chief Inv. Officer, Head of International & Real Estate Lending and Member of the Management Board 4M male
David O'Leary Chief Risk Officer & Member of the Management Board 3M male
Enver Sirucic CFO, Deputy CEO, Head of Commercial Bank Austria & Germany and Member of Management Board 3M male
Guido Jestadt Member of Management Board & Chief Administrative Officer
Jutta Wimmer Head of Investor Relations female
Manfred Rapolter Head of Corporation Communications
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