BAWAG Group AG

BG · VI · Financial Services / Banks - Regional

165.9EUR-2.30 (-1.37%)

Price History

Full chart

Market Stats

Previous Close168.2

Open166.7

Day Range164.9 – 169.2

52-Week Range99.56 – 184.6

Volume158.58K

Market Cap13.61B

P/E (TTM)15.45

Forward P/E10.88

EPS11.44

Dividend Yield3.54%

Beta0.77

50-Day Avg178.3

200-Day Avg153.6

About

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, Ireland, Switzerland, the Netherlands, North America, and internationally. It operates through Retail & SME; Corporates, Real Estate & Public Sector; and Treasury segments. The Retail & SME segment offers savings, payments, securities, cards and lending, and investment and insurance products and services; small business lending; factoring and leasing business; social housing activities; and auto, mobile, and real estate leasing, as well as consumer and mortgage loans. This segment also owns issues covered with retail assets and Wohnbaubank bonds. The Corporates, Real Estate & Public segment provides lending products; international real estate financing; corporate, mid-cap, and public lending; and other financial services. This segment also owns issues covered with corporate or public sector assets. The Treasury segment offers trading and investment services, such as group asset-liability management transactions, including secured and unsecured funding. The company serves retail, small business, corporate, real estate, and public sector customers. BAWAG Group AG is headquartered in Vienna, Austria.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Anas Abuzaakouk
Employees2.79K
HeadquartersWiedner Gürtel 11, Vienna, Austria, 1100, Austria
Websitehttps://www.bawaggroup.com

Leadership

Mr. Anas AbuzaakoukChairman of the Management Board & CEO · b. 1977
Mr. Enver SirucicCFO, Deputy CEO, Head of Commercial Bank Austria & Germany and Member of Management Board · b. 1982
Mr. Satyen ShahDeputy CEO, Head of Digital Bank & Specialty Finance and Member of Management Board · b. 1978
Mr. David O'LearyChief Risk Officer & Member of the Management Board · b. 1975
Mr. Andrew WiseChief Inv. Officer, Head of International & Real Estate Lending and Member of the Management Board · b. 1971
Dr. Guido JestadtChief Administrative Officer & Member of Management Board · b. 1975
Ms. Jutta WimmerHead of Investor Relations
Manfred RapolterHead of Corporate Communications

Financials

Income Statement

Line item	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	943.80M	916.40M	920.20M	933.60M	1.04B	1.17B	1.34B	1.27B	1.32B	1.38B	1.40B	1.66B	2.35B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-1.74B	-	-
Gross Profit	943.80M	916.40M	920.20M	933.60M	1.04B	1.17B	1.34B	1.27B	1.32B	1.38B	3.14B	1.66B	-
Operating Income	141.80M	308.70M	418.50M	470.20M	517.20M	572.70M	604.10M	369.60M	600.30M	426.50M	910.30M	-	-
EBITDA	-	-	745.80M	681.30M	577.30M	625.60M	682.10M	432.90M	665.10M	490.60M	972.30M	-	-
Net Income	150.80M	308.20M	394.40M	483.60M	466.60M	436.50M	459.10M	285.20M	479.90M	318.30M	682.60M	760.00M	859.90M
Interest Expense	542.60M	424.30M	339.20M	297.70M	293.90M	309.50M	278.70M	200.20M	207.40M	304.30M	1.31B	1.79B	1.52B

Balance Sheet

Line item	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	36.63B	34.85B	35.71B	39.74B	46.07B	44.70B	45.66B	53.13B	56.33B	56.52B	55.45B	71.34B	72.30B
Total Liabilities	7.53B	6.11B	32.75B	36.61B	5.66B	40.69B	41.83B	6.70B	7.59B	10.43B	51.28B	66.61B	67.45B
Total Equity	2.23B	2.62B	2.96B	3.13B	3.61B	4.00B	3.82B	4.35B	4.37B	3.99B	4.17B	4.73B	4.84B
Cash	481.00M	684.00M	809.00M	1.02B	1.18B	1.07B	1.42B	1.03B	1.89B	520.00M	12.79B	17.60B	14.09B
Total Debt	7.53B	6.11B	4.50B	6.01B	5.66B	4.42B	5.70B	6.70B	7.59B	10.43B	16.12B	-	-
Net Debt	7.05B	5.43B	3.70B	5.00B	4.48B	3.35B	4.27B	5.67B	5.69B	9.91B	-694.00M	-17.60B	3.49B

Cash Flow

Line item	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-800.00M	726.00M	-283.00M	1.13B	238.00M	-1.05B	-912.00M	1.49B	312.00M	-349.00M	1.26B	1.24B	-3.28B
Investing Cash Flow	-	-	853.00M	-575.00M	-21.00M	1.16B	1.53B	-2.17B	1.19B	-	-	-	-
Financing Cash Flow	-52.00M	-352.00M	-445.00M	-343.00M	-57.00M	-222.00M	-265.00M	288.00M	-513.00M	-647.00M	-560.00M	-310.00M	-
Capital Expenditure	47.00M	47.00M	35.00M	54.00M	66.00M	62.00M	66.00M	21.00M	42.00M	57.00M	32.00M	51.00M	96.00M
Free Cash Flow	-847.00M	679.00M	-318.00M	1.07B	172.00M	-1.11B	-978.00M	1.47B	270.00M	-406.00M	1.27B	1.19B	-3.37B
Dividends Paid	53.00M	58.00M	12.00M	309.00M	52.00M	58.00M	216.00M	15.00M	460.00M	267.00M	305.00M	393.00M	432.00M

Earnings

Report Date	Nov 13, 2017	Mar 29, 2018	May 24, 2018	Aug 13, 2018	Nov 7, 2018	Feb 18, 2019	May 13, 2019	Jul 30, 2019	Oct 29, 2019	Feb 12, 2020	Apr 27, 2020	Jul 28, 2020	Oct 27, 2020	Feb 9, 2021	Apr 26, 2021	Jul 26, 2021	Oct 28, 2021	Mar 1, 2022	Apr 26, 2022	Jul 21, 2022	Oct 18, 2022	Feb 13, 2023	Apr 25, 2023	Jul 22, 2023	Oct 16, 2023	Feb 1, 2024	Apr 28, 2024	Jul 17, 2024	Oct 28, 2024	Mar 3, 2025	Apr 29, 2025	Jul 22, 2025	Oct 21, 2025	Feb 10, 2026	Apr 20, 2026	Jul 20, 2026	Oct 19, 2026
EPS Estimate	-	1.35	0.99	1.08	1.02	1.08	0.90	1.16	1.13	1.25	0.79	0.64	0.91	0.90	0.71	1.18	1.14	1.63	1.17	1.45	1.55	1.54	1.64	2.09	2.18	2.11	2.03	2.15	2.13	2.40	2.38	2.68	2.74	2.65	3.08	3.04	2.99
EPS Actual	2.50	1.63	0.90	1.14	1.22	1.09	1.17	1.23	1.26	1.19	0.69	0.70	0.88	1.12	0.83	1.34	1.38	1.84	1.24	1.50	1.49	1.51	1.69	2.19	2.25	2.15	2.11	2.22	2.25	3.03	2.54	2.65	2.77	2.91	3.00	3.28	-
Surprise	-	20.74%	-9.09%	5.56%	19.61%	0.93%	30.00%	6.03%	11.50%	-4.80%	-12.66%	9.38%	-3.30%	24.44%	16.90%	13.56%	21.05%	12.88%	5.98%	3.45%	-3.87%	-1.95%	3.05%	4.78%	3.21%	1.90%	3.94%	3.26%	5.63%	26.25%	6.72%	-1.12%	1.09%	9.81%	-2.60%	7.89%	-
Timing	After-hours	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap13.61B

Enterprise Value18.86B

Trailing P/E15.45

Forward P/E10.88

Price / Sales6.56

Price / Book2.90

EPS11.44

Book Value61.13

Revenue (TTM)2.08B

Gross Profit (TTM)2.08B

Profit Margin45.09%

Operating Margin65.02%

Return on Equity19.89%

Return on Assets1.29%

Shares Outstanding77.00M

Shares Float73.46M

Beta0.77

Dividend Yield3.54%

Dividend Rate6.25

Payout Ratio52.26%

Dividends

20261×

6.25Apr 24, 2026

20251×

5.50Apr 8, 2025

20241×

5.00Apr 10, 2024

20231×

3.70Apr 4, 2023

20221×

3.00Apr 1, 2022

20212×

4.72Oct 6, 20210.46Mar 10, 2021

20201×

2.61May 11, 2020

20191×

2.18May 8, 2019

20181×

0.58May 15, 2018