ARL:XETRA-Aareal Bank AG (EUR)

COMMON STOCK | Banks—Regional | XETRA

Last Closing Price

EUR 17.07

Change

+0.50 (+3.02)%

Market Cap

EUR 1.05B

Volume

0.19M

Average Target Price

EUR 19.76 (+15.78%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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 and internationally. The company operates through two segments, Structured Property Financing and Consulting/Services. 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 apartments. This segment also provides deposits, registered and bearer Pfandbriefe, promissory note loans, medium-term notes, debt securities, private placements, other bonds and subordinated issues, mortgage Pfandbriefe, and public sector Pfandbriefe. The Consulting/Services segment offers various services and products for the housing, commercial property, and energy and waste disposal industries. Its services include specialized banking, payment systems, and optimized business processes. This segment also provides IT systems consultancy and related advisory services, enterprise resource planning systems, software solutions, hosting and software as a service, and in-house services. Aareal Bank AG was founded in 1923 and is headquartered in Wiesbaden, Germany. Address: Paulinenstrasse 15, Wiesbaden, Germany, 65189

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-09-28 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SBNC:XETRA Sberbank of Russia

-0.10 (-0.97%)

EUR54.34B 6.61 N/A
BNP:XETRA BNP Paribas SA

+1.77 (+5.88%)

EUR39.43B 5.60 N/A
IES:XETRA Intesa Sanpaolo S.p.A

+0.04 (+2.54%)

EUR31.39B 8.48 N/A
LLD:XETRA Lloyds Banking Group plc

+0.02 (+8.35%)

EUR20.72B 67.60 N/A
DBK:XETRA Deutsche Bank Aktiengesellscha..

+0.50 (+7.35%)

EUR14.96B N/A N/A
SGE:XETRA Société Générale Société..

+0.53 (+4.81%)

EUR9.58B 8.57 N/A
CBK:XETRA Commerzbank AG

+0.22 (+5.60%)

EUR5.29B 40.33 N/A
RAW:XETRA Raiffeisen Bank International ..

+0.31 (+2.39%)

EUR4.35B 4.53 N/A
COM:XETRA comdirect bank AG

N/A

EUR1.95B 14.41 N/A
UBK:XETRA UmweltBank AG

+0.25 (+2.16%)

EUR0.36B 20.77 N/A

ETFs Containing ARL

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -43.57% 27% F 5% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -43.57% 27% F 5% F
Trailing 12 Months  
Capital Gain -38.80% 27% F 6% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -38.80% 27% F 6% F
Trailing 5 Years  
Capital Gain -46.25% 54% F 12% F
Dividend Return 25.98% 67% D+ 90% A-
Total Return -20.28% 54% F 18% F
Average Annual (5 Year Horizon)  
Capital Gain -4.25% N/A N/A 14% F
Dividend Return 5.84% N/A N/A 75% C
Total Return 1.59% N/A N/A 35% F
Risk Return Profile  
Volatility (Standard Deviation) 24.27% N/A N/A 26% F
Risk Adjusted Return 6.54% N/A N/A 31% F
Market Capitalization 1.05B 44% F 71% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.65 50% F 75% C
Price/Book Ratio 0.35 64% D 96% A
Price / Cash Flow Ratio 2.15 15% F 70% C-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 3.46% 38% F 40% F
Return on Invested Capital 4.18% 87% B+ 40% F
Return on Assets 0.22% 38% F 29% F
Debt to Equity Ratio 33.86% 89% B+ 61% D-
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.54 25% F 8% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (EUR)

Quarterly Financials (EUR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector