ABN AMRO Bank stock analysis
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ABN AMRO Bank (AAVMY) Stock Price & Analysis
AAVMY Stock Chart & Stats
- Day’s Range
- $47.43 - $47.43
- 52-Week Range
- $30.40 - $50.55
- Previous Close
- $48.14
- Volume
- N/A
- Average Volume (3M)
- 4,068
- Market Cap
- $39.01B
- Enterprise Value
- $138.66B
- Total Cash (Recent Filing)
- $35.24B
- Total Debt (Recent Filing)
- $117.00B
- Price to Earnings (P/E)
- 14.8
- Beta
- 0.80
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- 0.81
- Last Dividend Ex-Date
- Aug 24, 2026
- Dividend Yield
- 4.10%
Bulls Say, Bears Say
Bulls Say
Commercial NII And Profit Growth
Higher commercial NII guidance alongside strong reported profit growth indicates improving earnings capacity across the banking franchise. If lending, deposits, and pricing remain supportive, this momentum can strengthen internal capital generation and sustain profitability over the next several quarters.
Fee And Wealth-management Momentum
Recurring fee growth and strong net new asset gathering diversify ABN AMRO beyond interest income and deepen client relationships. Expansion in payments, asset management, and wealth services can provide a more durable revenue base, particularly when lending margins or rates become less favorable.
Capital Strength And Credit Quality
A solid CET1 position and low current credit costs provide meaningful resilience for a bank exposed to mortgages, consumer lending, and corporate credit. Capital generation and disciplined underwriting also support strategic investment and shareholder distributions while preserving capacity to absorb deterioration.
Bears Say
Persistently High Leverage
Sustained leverage increases sensitivity to credit losses, funding conditions, and earnings volatility, even though the bank has grown equity and remains profitable. Higher balance-sheet gearing can constrain flexibility during stress and makes stable risk control essential to preserving returns.
Volatile Cash Generation
The multi-year swings in operating and free cash flow reduce confidence in predictable cash conversion and make internal funding patterns less stable. Although the 2025 recovery is encouraging, recurring variability can complicate capital planning, distributions, and investment decisions over the medium term.
Cost And Deposit-margin Pressure
Rising technology, integration, inflation, and labor-related costs could absorb part of the bank’s revenue gains and make efficiency targets harder to achieve. At the same time, deposit migration and savings-margin normalization may pressure NII, creating a lasting risk to operating leverage.
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ABN AMRO Bank Stock Smart Score
Company Description
ABN AMRO Bank
ABN AMRO Bank N.V. is a financial institution offering a broad spectrum of banking solutions. It caters to individual consumers, affluent private clients, and corporate enterprises, both within the Netherlands and across international markets. The bank’s operations are strategically organized into three core divisions: Personal & Business Banking, Wealth Management, and Corporate Banking. Within its diverse portfolio, ABN AMRO extends services such as deposit accounts and various savings instruments, alongside home financing offered under its Florius label. It also facilitates personal lending through a variety of brands, including Alpha Credit Nederland, Credivance, Defam, Moneyou, and its own ABN AMRO brand. The company oversees and processes credit card services, providing flexible revolving credit options, and supports clients with retirement planning through pension schemes, as well as a range of life and non-life insurance offerings. For its business and institutional clientele, ABN AMRO delivers specialized asset-based financing, encompassing working capital solutions, equipment leasing and loans, and vendor lease programs. Furthermore, it provides comprehensive private banking and wealth management expertise to help clients grow and preserve their assets. The bank is also a key player in financial markets, offering derivatives and equity clearing services. Established in 2009, ABN AMRO Bank N.V. maintains its central operational base in Amsterdam, the Netherlands.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Marguerite Bérard
- Employees
- 25,342
- Website
- www.abnamro.com
- Address
- Gustav Mahlerlaan 10, Amsterdam, NH, 1082 PP, NL
ABN AMRO Bank (AAVMY) Earnings & Revenues
AAVMY Company Deck
AAVMY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. ABN AMRO reported substantial profit growth, higher commercial NII guidance, strong fee income, solid credit quality, continued cost-savings execution, significant capital optimization and progress integrating NIBC and HAL. The main challenges were a higher expected cost base in 2027, unresolved collective labor agreement negotiations, deposit mix shifts, declining asset margins, seasonal softness in some fee businesses, and expected normalization in savings margins and Clearing volatility. Management nevertheless reaffirmed its cost and strategic ambitions and expressed confidence in updating and extending its financial targets.
View all AAVMY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 5 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 12 | 0 | 0 |
