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OVB Holding
(XETRA:O4B)
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Rating:63Neutral
Price Target:
€21.00
▲(8.25% Upside)
Action:Reiterated
Date:08/19/26
The score is primarily supported by financial strength—low leverage and solid cash generation—while being held back by inconsistent profitability and thin margins. Technical indicators are only mildly positive, and valuation is a headwind due to a high P/E despite a decent dividend yield.
Positive Factors
Conservative balance sheet
Low leverage and a substantial equity base provide financial flexibility and reduce balance-sheet risk. This supports OVB’s ability to withstand fluctuations in commission income, invest in its advisor network, and maintain operations across multiple markets.
Negative Factors
Volatile profitability
The swing from an operating loss to a positive TTM result shows that earnings are not yet consistently durable. Such volatility can complicate planning and weaken confidence that revenue growth will translate reliably into operating income.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and a substantial equity base provide financial flexibility and reduce balance-sheet risk. This supports OVB’s ability to withstand fluctuations in commission income, invest in its advisor network, and maintain operations across multiple markets.
Read all positive factors
OVB Holding (O4B) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€270.77M
Dividend Yield3.95%
Average Volume (3M)118.00
Price to Earnings (P/E)23.8
Beta (1Y)0.15
Revenue Growth5.46%
EPS Growth-11.82%
CountryDE
Employees917
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)0.80
Shares Outstanding14,251,314
10 Day Avg. Volume17
30 Day Avg. Volume118
Financial Highlights & Ratios
PEG Ratio-0.61
Price to Book (P/B)2.99
Price to Sales (P/S)0.66
P/FCF Ratio11.31
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.89
Revenue Forecast (FY)€456.04M
OVB Holding Business Overview & Revenue Model
Company Description
OVB Holding AG, along with its group entities, delivers financial advisory and brokerage services to private individuals across Europe. The firm provides guidance to clients on managing their personal finances and acts as an intermediary for a wid...
How the Company Makes Money
OVB primarily makes money by brokering financial products from third-party product providers and earning commissions and related remuneration tied to successful contract placements and ongoing servicing. Its core revenue model is based on (1) upfr...
OVB Holding Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
78
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 454.26M | 437.21M | 408.64M | 354.35M | 331.95M | 320.70M |
| Gross Profit | 75.80M | 69.68M | 89.99M | 78.07M | 76.67M | 70.54M |
| EBITDA | 17.92M | 7.13M | 37.22M | 29.55M | 30.22M | 30.27M |
| Net Income | 11.40M | 8.57M | 19.22M | 14.31M | 14.67M | 15.71M |
Balance Sheet | ||||||
| Total Assets | 376.58M | 372.76M | 295.88M | 272.96M | 261.11M | 257.82M |
| Cash, Cash Equivalents and Short-Term Investments | 139.55M | 135.96M | 132.87M | 120.79M | 122.49M | 128.91M |
| Total Debt | 8.74M | 9.90M | 2.45M | 2.44M | 2.01M | 2.13M |
| Total Liabilities | 284.77M | 276.11M | 194.16M | 177.26M | 167.60M | 166.45M |
| Stockholders Equity | 91.31M | 96.18M | 101.17M | 95.04M | 93.00M | 91.09M |
Cash Flow | ||||||
| Free Cash Flow | 33.36M | 25.45M | 22.16M | 9.94M | 9.13M | 26.80M |
| Operating Cash Flow | 34.72M | 27.16M | 32.60M | 18.36M | 15.80M | 33.74M |
| Investing Cash Flow | -14.15M | -9.33M | -15.79M | -11.14M | 6.39M | -14.39M |
| Financing Cash Flow | -14.26M | -17.71M | -16.06M | -15.86M | -15.74M | -17.31M |
OVB Holding Technical Analysis
Negative
19.40
Price Trends
19.25
Negative
19.84
Negative
19.98
Negative
Market Momentum
-0.04
Positive
42.38
Neutral
52.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:O4B, the sentiment is Negative. The current price of 19.4 is below the 20-day moving average (MA) of 19.42, above the 50-day MA of 19.25, and below the 200-day MA of 19.98, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 42.38 is Neutral, neither overbought nor oversold. The STOCH value of 52.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:O4B.
OVB Holding Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | €542.71M | 19.15 | 7.55% | ― | -4.72% | 65.65% | |
63 Neutral | €270.77M | 23.75 | 12.11% | 4.01% | 5.46% | -11.82% | |
59 Neutral | €989.29M | 14.24 | 11.68% | 4.86% | 3.69% | 15.26% | |
58 Neutral | €187.50M | 135.83 | 6.20% | 0.43% | ― | ― | |
56 Neutral | €262.23M | 27.08 | 16.02% | ― | 14.84% | -9.45% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
DE:O4B
OVB Holding
19.00
-1.07
-5.34%
DE:HYQ
HYPOPORT
82.15
-55.25
-40.21%
DE:MLP
MLP AG
8.97
2.26
33.60%
DE:QB7
Quirin Privatbank AG
3.16
-0.29
-8.30%
DE:NF4
Netfonds AG
81.50
38.10
87.79%
DE:JDC
JDC Group AG
20.10
-9.20
-31.40%
OVB Holding Corporate Events
Business Operations and StrategyFinancial Disclosures
OVB Holding Raises 2026 Revenue Forecast After Strong First Half
Positive
Aug 12, 2026
OVB Holding AG reported a solid first half of 2026, lifting brokerage income by 9.3 percent year-on-year to €237.8 million and increasing EBIT to €5.4 million from €3.8 million. On the back of this performance, the company raised...
Financial DisclosuresRegulatory Filings and Compliance
OVB Holding Sets Date for Publication of 2026 Half-Year Results
Neutral
Aug 6, 2026
OVB Holding AG plans to publish its half-year financial report for 2026, covering the period from 1 January to 30 June, on 13 August 2026 via its investor relations website. The scheduled disclosure will give shareholders and market participants u...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.