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ABN AMRO Bank N.V.ENXTAM:ABN Stock Report

Market Cap €23.1b
Share Price
€27.79
My Fair Value
€29
4.2% undervalued intrinsic discount
1Y77.9%
7D2.5%
Portfolio Value
​
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ABN AMRO Bank N.V.

ENXTAM:ABN Stock Report

Market Cap: €23.1b

ABN AMRO Bank (ABN) Stock Overview

Provides various banking products and financial services to retail, private, and business clients in the Netherlands, rest of Europe, the United States, Asia, and internationally. More details

ABN fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health5/6
Dividends4/6

Rewards

Trading at 43.7% below our estimate of its fair value

Risk Analysis

Earnings are forecast to decline by an average of 0.4% per year for the next 3 years

Unstable dividend track record


ABN Community Fair Values

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See what 73 others think this stock is worth. Follow their fair value or set your own to get alerts.

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ABN AMRO Bank

Digital Banking And Green Lending Will Define Future Markets

Key Takeaways Acceleration in digital banking and sustainable finance positions ABN AMRO for younger clients, diversified revenue, and enhanced efficiency. Streamlined focus on core markets, disciplined risk management, and cost controls support stable earnings and greater profitability.
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€25.33
FV
9.7% overvalued intrinsic discount
2.42%
Revenue growth p.a.
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46users have followed this narrative
15 days ago author updated this narrative
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ABN AMRO Bank

Digital Payments And Sustainable Finance Will Catalyze European Leadership

Key Takeaways Strong deposit growth, digital innovation, and cost discipline are driving higher earnings and margin improvements beyond market expectations. Strategic focus on sustainability, core markets, and digital fee income positions the bank for robust growth and enhanced shareholder returns.
View narrative
€29
FV
4.2% undervalued intrinsic discount
4.36%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
23 days ago author updated this narrative
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ABN AMRO Bank

Fintech Migration And ESG Pressures Will Compress Net Margins

Key Takeaways Growing competition from digital banks and fintechs, along with stricter ESG demands, threatens ABN AMRO's revenue streams and increases funding costs. High exposure to the Dutch housing market and persistent operational inefficiencies place ongoing pressure on profitability and earnings growth.
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€18.5
FV
50.2% overvalued intrinsic discount
0.78%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
23 days ago author updated this narrative
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ABN AMRO Bank N.V. Competitors

Price History & Performance

Summary of share price highs, lows and changes for ABN AMRO Bank
Historical stock prices
Current Share Price€27.79
52 Week High€28.27
52 Week Low€14.36
Beta0.87
1 Month Change10.81%
3 Month Change14.65%
1 Year Change77.91%
3 Year Change203.32%
5 Year Change261.85%
Change since IPO51.44%

Recent News & Updates

ABN AMRO Bank (AMS:ABN) Has Announced That Its Dividend Will Be Reduced To €0.54

Aug 11
ABN AMRO Bank (AMS:ABN) Has Announced That Its Dividend Will Be Reduced To €0.54

Recent updates

ABN AMRO Bank (AMS:ABN) Has Announced That Its Dividend Will Be Reduced To €0.54

Aug 11
ABN AMRO Bank (AMS:ABN) Has Announced That Its Dividend Will Be Reduced To €0.54

ABN AMRO Bank's (AMS:ABN) Dividend Will Be €0.75

Apr 18
ABN AMRO Bank's (AMS:ABN) Dividend Will Be €0.75
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AMRO's Critical Innovations Promise Growth Amid Regulatory And Economic Headwinds

Partnerships and sustainable financing initiatives could drive fee income growth and boost corporate loan demand.

ABN AMRO Bank N.V. Just Recorded A 30% EPS Beat: Here's What Analysts Are Forecasting Next

Nov 16
ABN AMRO Bank N.V. Just Recorded A 30% EPS Beat: Here's What Analysts Are Forecasting Next

Shareholder Returns

ABNNL BanksNL Market
7D2.5%0.6%4.4%
1Y77.9%52.1%10.7%

Return vs Industry: ABN exceeded the Dutch Banks industry which returned 53% over the past year.

Return vs Market: ABN exceeded the Dutch Market which returned 10.8% over the past year.

Price Volatility

Is ABN's price volatile compared to industry and market?
ABN volatility
ABN Average Weekly Movement3.4%
Banks Industry Average Movement3.2%
Market Average Movement4.3%
10% most volatile stocks in NL Market5.9%
10% least volatile stocks in NL Market2.3%

Stable Share Price: ABN has not had significant price volatility in the past 3 months compared to the Dutch market.

Volatility Over Time: ABN's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
200922,278Marguerite Bérard-Andrieuwww.abnamro.nl

ABN AMRO Bank N.V. provides various banking products and financial services to retail, private, and business clients in the Netherlands, rest of Europe, the United States, Asia, and internationally. It operates through three segments: Personal & Business Banking, Wealth Management, and Corporate Banking. The company offers flexible, children’s, and automative savings, as well as fixed deposits.

ABN AMRO Bank N.V. Fundamentals Summary

How do ABN AMRO Bank's earnings and revenue compare to its market cap?
ABN fundamental statistics
Market cap€23.09b
Earnings (TTM)€2.14b
Revenue (TTM)€8.80b
10.8x
P/E Ratio
0.8x
P/B Ratio

Is ABN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ABN income statement (TTM)
Revenue€8.80b
Cost of Revenue€0
Gross Profit€8.80b
Other Expenses€6.66b
Earnings€2.14b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 12, 2025

Earnings per share (EPS)2.58
Gross Margin100.00%
Net Profit Margin24.32%
Debt/Equity Ratio376.3%

How did ABN perform over the long term?

See historical performance and comparison

Dividends

4.9%
Current Dividend Yield
50%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/03 04:59
End of Day Share Price 2025/10/03 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

ABN AMRO Bank N.V. is covered by 37 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Juan Lopez CoboBanco Santander
Jesús Gómez DominguezBanco Santander
Flora Benhakoun BocahutBarclays