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ARL0 Stock Overview

Provides financing, software products, digital solutions, and payment transaction applications for the property sector and related industries in Germany, rest of Europe, North America, and Asia Pacific. More details

ARL0 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	4/6
Financial Health	2/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (13.4x) is below the German market (16.1x)

Earnings are forecast to grow 18.02% per year

Earnings grew by 84.8% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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Aareal Bank AG Competitors

Deutsche Pfandbriefbank

XTRA:PBB

€771.9m

Hypoport

XTRA:HYQ

€1.4b

flatexDEGIRO

XTRA:FTK

€2.0b

Grenke

XTRA:GLJ

€734.2m

Price History & Performance

Summary of share price highs, lows and changes for Aareal Bank
Historical stock prices
Current Share Price	€33.00
52 Week High	€33.00
52 Week Low	€28.20
Beta	1.09
1 Month Change	0%
3 Month Change	0.30%
1 Year Change	3.77%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	50.48%

Recent updates

Shareholder Returns

	ARL0	DE Diversified Financial	DE Market
7D	0%	2.0%	2.7%
1Y	3.8%	10.7%	17.0%

Return vs Industry: ARL0 matched the German Diversified Financial industry which returned 3.8% over the past year.

Return vs Market: ARL0 matched the German Market which returned 4.7% over the past year.

Price Volatility

Is ARL0's price volatile compared to industry and market?
ARL0 volatility
ARL0 Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	4.1%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.1%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: ARL0 has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine ARL0's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1923	2,953	Jochen Klosges	www.aareal-bank.com

Aareal Bank AG, together with its subsidiaries, provides financing, software products, digital solutions, and payment transaction applications for the property sector and related industries in Germany, North America, Asia Pacific, and rest of Europe. It operates through three segments: Structured Property Financing, Banking & Digital solutions, and Aareon. The Structured Property Financing segment offers property financing and refinancing solutions for office buildings, hotels, and shopping centers, as well as retail, logistics, residential properties, and student housing.

Aareal Bank AG Fundamentals Summary

How do Aareal Bank's earnings and revenue compare to its market cap?
ARL0 fundamental statistics
Market cap	€1.96b
Earnings (TTM)	€146.00m
Revenue (TTM)	€845.00m

13.4x

P/E Ratio

2.3x

P/S Ratio

Is ARL0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ARL0 income statement (TTM)
Revenue	€845.00m
Cost of Revenue	€0
Gross Profit	€845.00m
Other Expenses	€699.00m
Earnings	€146.00m

Last Reported Earnings

Jun 30, 2023

Next Earnings Date

Nov 09, 2023

Earnings per share (EPS)	2.44
Gross Margin	100.00%
Net Profit Margin	17.28%
Debt/Equity Ratio	998.9%

How did ARL0 perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

66%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/08/30 00:45
End of Day Share Price	2023/06/02 00:00
Earnings	2023/06/30
Annual Earnings	2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Aareal Bank AG is covered by 20 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Dieter Hein	AlphaValue
Neil Smith	Bankhaus Lampe KG
Adam Barrass	Berenberg