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ABN AMRO Group N.V.
(ABN)
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Rating:67Neutral
Price Target:
€44.00
▲(7.61% Upside)
Action:Reiterated
Date:08/26/26
The score is driven primarily by mixed financial quality: solid profitability and ROE are offset by high leverage and multi-year cash flow inconsistency. Technicals are a clear positive with a strong uptrend and supportive momentum, while valuation is reasonable with a mid-teens P/E and a ~4.1% dividend yield.
Positive Factors
Solid profitability
Sustained profitability and positive returns on equity indicate that ABN AMRO converts its banking franchise and balance sheet into shareholder earnings, providing a durable earnings base even as individual revenue components fluctuate.
Negative Factors
High leverage
Elevated leverage is inherent to banking but still increases sensitivity to credit deterioration, funding pressures and interest-rate shifts. It can constrain flexibility and magnify the effect of stress on capital and earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Solid profitability
Sustained profitability and positive returns on equity indicate that ABN AMRO converts its banking franchise and balance sheet into shareholder earnings, providing a durable earnings base even as individual revenue components fluctuate.
Read all positive factors
ABN AMRO Group N.V. (ABN) vs. iShares MSCI Netherlands ETF (EWN)
Market Cap
€34.94B
Dividend Yield3.91%
Average Volume (3M)1.72M
Price to Earnings (P/E)14.9
Beta (1Y)0.91
Revenue Growth-2.84%
EPS Growth11.56%
CountryNL
Employees22,905
SectorGeneral
Sector StrengthN/A
IndustryBanks - Diversified
Share Statistics
EPS (TTM)2.89
Shares Outstanding648,817,300
10 Day Avg. Volume1,660,680
30 Day Avg. Volume1,719,948
Financial Highlights & Ratios
PEG Ratio-1.22
Price to Book (P/B)0.91
Price to Sales (P/S)1.46
P/FCF Ratio5.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€43.72Price Target Upside6.93% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)3.16
Revenue Forecast (FY)€9.53B
ABN AMRO Group N.V. Business Overview & Revenue Model
Company 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...
How the Company Makes Money
ABN AMRO makes money primarily through a mix of net interest income, fee and commission income, and (to a lesser extent) trading/other income.
1) Net interest income (lending vs. funding spread)
- The bank earns interest on assets such as residen...
ABN AMRO Group N.V. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
42
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.58B | 16.88B | 19.50B | 8.78B | 7.80B | 7.64B |
| Gross Profit | 9.44B | 8.76B | 8.88B | 8.59B | 7.80B | 7.64B |
| EBITDA | 3.61B | 3.21B | 3.58B | 3.64B | 2.55B | 2.03B |
| Net Income | 2.50B | 2.25B | 2.40B | 2.70B | 1.87B | 1.23B |
Balance Sheet | ||||||
| Total Assets | 456.99B | 413.21B | 385.05B | 377.91B | 379.58B | 399.11B |
| Cash, Cash Equivalents and Short-Term Investments | 35.25B | 51.53B | 45.63B | 71.62B | 62.60B | 67.60B |
| Total Debt | 117.05B | 79.02B | 97.17B | 89.88B | 91.41B | 48.93B |
| Total Liabilities | 432.88B | 386.17B | 358.94B | 353.74B | 356.77B | 377.11B |
| Stockholders Equity | 24.11B | 27.04B | 26.11B | 24.17B | 22.81B | 21.99B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.34B | -12.47B | -9.32B | -8.33B | 9.40B |
| Operating Cash Flow | 0.00 | 4.63B | -12.16B | -9.03B | -8.14B | 9.60B |
| Investing Cash Flow | 0.00 | -17.08B | -4.81B | -1.72B | -239.00M | 3.86B |
| Financing Cash Flow | 0.00 | 17.47B | 7.53B | 3.22B | 2.95B | -7.38B |
ABN AMRO Group N.V. Technical Analysis
Positive
40.89
Price Trends
38.82
Positive
35.47
Positive
31.59
Positive
Market Momentum
1.03
Negative
74.01
Negative
92.03
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:ABN, the sentiment is Positive. The current price of 40.89 is above the 20-day moving average (MA) of 40.84, above the 50-day MA of 38.82, and above the 200-day MA of 31.59, indicating a bullish trend. The MACD of 1.03 indicates Negative momentum. The RSI at 74.01 is Negative, neither overbought nor oversold. The STOCH value of 92.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:ABN.
ABN AMRO Group N.V. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | €2.86B | 17.06 | 14.34% | 5.89% | 4.68% | ― | |
70 Outperform | €88.51B | 13.92 | 13.38% | 4.35% | 5.07% | 16.05% | |
67 Neutral | €34.94B | 14.92 | 10.15% | 3.31% | -2.84% | 11.56% | |
64 Neutral | €11.84B | 12.27 | 12.23% | 4.96% | 16.43% | -19.67% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | €20.04B | 11.84 | 8.86% | 4.86% | 39.01% | 44.63% |
* General Sector Average
NL:ABN
ABN AMRO Group N.V.
43.13
19.34
81.26%
NL:AGN
Aegon NV
7.98
1.85
30.27%
NL:INGA
ING GROEP
32.01
12.45
63.68%
NL:NN
NN Group N.V.
80.28
25.37
46.19%
NL:VLK
Van Lanschot N.V.
67.55
20.33
43.05%
NL:TRIO
TRIODOS BANK NV Depositary Receipt
39.25
8.42
27.33%
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.