Market Price

10.20 

-0.12 -3.2%

as of May 19 '22

52 Week Range:

9.05 15.54


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

ABN AMRO Group N.V. provides various banking products and services in the Netherlands and internationally. It operates through Retail Banking, Commercial Banking, Private Banking, and Corporate & Institutional Banking segments. The Retail Banking segment offers banking products and services, including labelled residential mortgage products under the Direktbank, Florius, and Moneyou names; and consumer loans under the Alpha Credit Nederland, Credivance, Defam, and GreenLoans names. It also issues, promotes, manages, and processes credit cards; and provides revolving credit card facilities and pension schemes, as well as Internet banking services for savings accounts and mortgages. This segment serves individuals and small businesses. The Commercial Banking segment offers asset-based solution, including equipment leases and finance; and working capital funding on debtors and inventory to business clients and clients in the commercial real estate industry. The Private Banking segment provides private banking and private wealth-management-related services under the ABN AMRO MeesPierson, ABN AMRO Private Banking, Banque Neuflize OBC, and Benthmann Bank names. It also provides customized solutions focused on unit-linked contracts. The Corporate & Institutional Banking segment offers loan products, such as structured finance, and trade and commodity finance; flow products; and specialized products comprising clearing and private equities to business clients. The company also provides administrative services for mortgage loans. ABN AMRO Group N.V. was incorporated in 2009 and is headquartered in Amsterdam, the Netherlands.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 18.17
19.31
22.28
22.61
22.34
22.16
23.32
growth rate 6.3% 15.4% 1.5% -1.2% -0.8% 5.2%
Avg.PE 11.77
11.88
10.18
8.22
8.22
8.22
8.22
growth rate 0.9% -14.3% -19.3% 0.0% 0.0% 0.0%
ROA 0.29
0.30
0.30
0.49
0.45
0.69
0.57
0.51
-0.04
0.31
growth rate 3.5% 0.0% 63.3% -8.2% 53.3% -17.4% -10.5% -100.0% 100.0%
ROE 8.96
8.80
7.98
11.77
9.66
13.52
10.35
9.06
-0.74
5.73
growth rate -1.8% -9.3% 47.5% -17.9% 40.0% -23.5% -12.5% -100.0% 100.0%
Leverage 30.61
27.45
26.03
22.22
20.84
18.45
17.85
17.47
18.85
18.15
growth rate -10.3% -5.2% -14.6% -6.2% -11.5% -3.3% -2.1% 7.9% -3.7%
Balance Sheet Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 1,625.00
1,537.00
1,625.00
2,069.00
2,168.00
1,678.00
2,010.00
2,469.00
2,402.00
growth rate -5.4% 5.7% 27.3% 4.8% -22.6% 19.8% 22.8% -2.7%
Acct.Payable 218,814.00
231,566.00
261,796.00
242,151.00
250,488.00
249,082.00
247,189.00
274,576.00
288,817.00
growth rate 5.8% 13.1% -7.5% 3.4% -0.6% -0.8% 11.1% 5.2%
Cur.Assets 66,109.00
58,402.00
69,321.00
62,060.00
67,080.00
57,888.00
51,875.00
84,585.00
86,285.00
growth rate -11.7% 18.7% -10.5% 8.1% -13.7% -10.4% 63.1% 2.0%
Total Assets 372,022.00
386,867.00
407,373.00
394,482.00
393,171.00
381,295.00
375,054.00
395,623.00
399,113.00
growth rate 4.0% 5.3% -3.2% -0.3% -3.0% -1.6% 5.5% 0.9%
Cash 15,066.00
3,959.00
30,552.00
24,953.00
33,164.00
37,737.00
28,940.00
59,978.00
66,434.00
growth rate -73.7% 671.7% -18.3% 32.9% 13.8% -23.3% 107.3% 10.8%
Inventory 415.00
growth rate
Cur.Liabilities 283,813.00
300,425.00
316,594.00
305,203.00
303,857.00
292,778.00
289,170.00
316,592.00
323,298.00
growth rate 5.9% 5.4% -3.6% -0.4% -3.7% -1.2% 9.5% 2.1%
Liabilities 358,454.00
371,990.00
389,788.00
375,545.00
371,841.00
359,935.00
353,583.00
374,634.00
377,114.00
growth rate 3.8% 4.8% -3.7% -1.0% -3.2% -1.8% 6.0% 0.7%
LT Debt 67,260.00
66,267.00
67,534.00
63,558.00
62,546.00
63,401.00
60,540.00
54,188.00
48,931.00
growth rate -1.5% 1.9% -5.9% -1.6% 1.4% -4.5% -10.5% -9.7%
Equity 13,555.00
14,865.00
17,568.00
18,932.00
21,310.00
21,358.00
21,471.00
20,989.00
21,994.00
growth rate 9.7% 18.2% 7.8% 12.6% 0.2% 0.5% -2.2% 4.8%
Common Shares 940.00
940.00
940.00
940.00
1,388.00
940.00
940.00
940.00
940.00
940.00
growth rate 0.0% 0.0% 0.0% 47.7% -32.3% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 238.00
258.00
282.00
405.00
382.00
396.00
338.00
217.00
182.00
growth rate 8.4% 9.3% 43.6% -5.7% 3.7% -14.7% -35.8% -16.1%
Cash Dividends 412.00
325.00
625.00
833.00
1,068.00
1,465.00
1,421.00
117.00
730.00
growth rate -21.1% 92.3% 33.3% 28.2% 37.2% -3.0% -91.8% 523.9%
Cash From OA 8,491.00
8,705.00
22,167.00
11,339.00
-5,086.00
633.00
3,246.00
41,388.00
-2,820.00
growth rate 2.5% 154.7% -48.9% -100.0% 100.0% 412.8% 1,175.1% -100.0%
FCF per Share 23.68
2.75
7.87
-0.42
8.80
37.38
23.04
growth rate -88.4% 186.2% -100.0% 100.0% 324.8% -38.4%
Sale Purchase of Stock 993.00
993.00
993.00
1.00
1,000.00
growth rate 0.0% 0.0% -99.9% 99,900.0%
FCF 5,957.00
14,787.00
14,743.00
25,071.00
-7,006.00
7,591.00
1,898.00
3,234.00
45,086.00
9,400.00
growth rate 148.2% -0.3% 70.1% -100.0% 100.0% -75.0% 70.4% 1,294.1% -79.2%
Income Statement Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 5,657.00
6,885.00
7,950.00
8,113.00
9,353.00
8,439.00
7,947.00
5,613.00
7,642.00
growth rate 21.7% 15.5% 2.1% 15.3% -9.8% -5.8% -29.4% 36.2%
Op.Income 1,072.00
2,215.00
2,802.00
2,768.00
3,976.00
3,235.00
2,741.00
596.00
1,837.00
growth rate 106.6% 26.5% -1.2% 43.6% -18.6% -15.3% -78.3% 208.2%
IBT 1,571.00
1,546.00
2,722.00
2,456.00
3,771.00
3,087.00
2,680.00
356.00
1,838.00
growth rate -1.6% 76.1% -9.8% 53.5% -18.1% -13.2% -86.7% 416.3%
Net Income 1,162.00
1,134.00
1,919.00
1,805.00
2,774.00
2,312.00
2,046.00
-45.00
1,231.00
growth rate -2.4% 69.2% -5.9% 53.7% -16.7% -11.5% -100.0% 100.0%
EPS 1.23
1.24
1.21
2.03
1.87
2.89
2.35
2.06
-0.17
1.21
growth rate 0.8% -2.4% 67.8% -7.9% 54.6% -18.7% -12.3% -100.0% 100.0%
Gross Profit 5,657.00
6,885.00
7,950.00
8,113.00
9,353.00
8,439.00
7,947.00
5,613.00
7,642.00
growth rate 21.7% 15.5% 2.1% 15.3% -9.8% -5.8% -29.4% 36.2%

Quarterly Statements

Item Name Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Balance Sheet
Acct.Receivable 2,469.00
1,001.00
2,402.00
growth rate -36.3% 54.9%
Acct.Payable 274,576.00
245,586.00
286,133.00
248,233.00
288,817.00
growth rate -10.6% 16.5% -13.3% 16.4%
Cur.Assets 84,322.00
71,467.00
103,489.00
80,194.00
86,285.00
growth rate -15.3% 44.8% -22.5% 7.6%
Total Assets 395,623.00
409,963.00
411,464.00
417,026.00
399,113.00
growth rate 3.6% 0.4% 1.4% -4.3%
Cash 61,675.00
63,735.00
74,499.00
73,249.00
66,434.00
growth rate 3.3% 16.9% -1.7% -9.3%
Inventory
growth rate
Cur.Liabilities 316,592.00
283,205.00
333,909.00
286,426.00
323,298.00
growth rate -10.6% 17.9% -14.2% 12.9%
Liabilities 374,634.00
388,797.00
389,926.00
395,099.00
377,114.00
growth rate 3.8% 0.3% 1.3% -4.6%
LT Debt 54,188.00
99,424.00
49,808.00
101,904.00
48,931.00
growth rate 83.5% -49.9% 104.6% -52.0%
Equity 20,989.00
21,163.00
21,533.00
21,922.00
21,994.00
growth rate 0.8% 1.8% 1.8% 0.3%
Common Shares 940.00
940.00
940.00
940.00
940.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Income Statement Dec '20 Mar '21 Jun '21 Sep '21 Dec '21
Sales 1,580.00
1,924.00
1,810.00
1,747.00
2,161.00
growth rate 21.8% -5.9% -3.5% 23.7%
Op.Income 386.00
81.00
582.00
445.00
729.00
growth rate -79.0% 618.5% -23.5% 63.8%
IBT 180.00
81.00
582.00
445.00
730.00
growth rate -55.0% 618.5% -23.5% 64.0%
Net Income 54.00
-54.00
390.00
343.00
552.00
growth rate -100.0% 100.0% -12.1% 60.9%
Gross Profit 1,580.00
1,924.00
1,810.00
1,747.00
2,161.00
growth rate 21.8% -5.9% -3.5% 23.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

E (17.30)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.22 3.53
EPS / Growth 2.89

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.3% 3.3% 3.3%
Future PE 0.01 4.96 4.96
Future EPS 4.01 4.01 4.01
Value Price
MOS %
0.01
-99.9%
4.92
-51.8%
4.92
-51.8%
MOS Price 0.00 2.46 2.46
IRT 3.29 3.29 3.29

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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