BWAG.F Stock Overview

Operates as a holding company for BAWAG P.S.K. More details

BWAG.F fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	3/6
Past Performance	3/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 47% below our estimate of its fair value

Earnings are forecast to grow 8.05% per year

Earnings grew by 12.6% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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BAWAG Group AG Competitors

Comerica

NYSE:CMA

US$7.4b

Credicorp

NYSE:BAP

US$16.0b

Inter & Co

NasdaqGS:INTR

US$2.9b

Fifth Third Bancorp

NasdaqGS:FITB

US$24.8b

Price History & Performance

Summary of share price highs, lows and changes for BAWAG Group
Historical stock prices
Current Share Price	€110.00
52 Week High	€111.00
52 Week Low	€60.62
Beta	0.92
1 Month Change	3.85%
3 Month Change	22.22%
1 Year Change	77.62%
3 Year Change	134.04%
5 Year Change	258.31%
Change since IPO	153.88%

Recent updates

Shareholder Returns

	BWAG.F	US Banks	US Market
7D	28.6%	3.8%	2.8%
1Y	77.6%	16.8%	9.3%

Return vs Industry: BWAG.F exceeded the US Banks industry which returned 16.8% over the past year.

Return vs Market: BWAG.F exceeded the US Market which returned 9.3% over the past year.

Price Volatility

Is BWAG.F's price volatile compared to industry and market?
BWAG.F volatility
BWAG.F Average Weekly Movement	n/a
Banks Industry Average Movement	4.8%
Market Average Movement	7.9%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	4.2%

Stable Share Price: BWAG.F's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
n/a	3,054	Anas Abuzaakouk	www.bawaggroup.com

BAWAG Group AG operates as a holding company for BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft that provides various banking products and services in Austria, Western Europe, Germany, Switzerland, the Netherlands, North America, and internationally. It operates through Retail & SME; Corporates, Real Estate & Public Sector; and Treasury segments.

BAWAG Group AG Fundamentals Summary

How do BAWAG Group's earnings and revenue compare to its market cap?
BWAG.F fundamental statistics
Market cap	US$8.68b
Earnings (TTM)	US$872.92m
Revenue (TTM)	US$1.85b

9.9x

P/E Ratio

1.6x

P/B Ratio

Is BWAG.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BWAG.F income statement (TTM)
Revenue	€1.63b
Cost of Revenue	€0
Gross Profit	€1.63b
Other Expenses	€862.70m
Earnings	€772.10m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 31, 2025

Earnings per share (EPS)	9.83
Gross Margin	100.00%
Net Profit Margin	47.23%
Debt/Equity Ratio	365.1%

How did BWAG.F perform over the long term?

See historical performance and comparison

Dividends

5.6%

Current Dividend Yield

59%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 17:24
End of Day Share Price	2025/05/01 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

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

BAWAG Group AG is covered by 20 analysts. 11 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
Jeremy Sigee	BNP Paribas Exane
Andrea Vercellone	BNP Paribas Exane
Victoria Cherevach	BofA Global Research