Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
ABN AMRO Bank N.V. Depositary Receipt represents an ownership interest in the shares of ABN AMRO Bank N.V., a leading Dutch banking group issued through Stichting Administratiekantoor Continuïteit ABN AMRO Bank (STAK AAB) as a protective measure against hostile takeovers. Holders enjoy rights nearly identical to direct shareholders, including dividends and voting, while the receipts trade publicly. ABN AMRO provides comprehensive banking services across Personal and Business Banking, Wealth Management, and specialized segments, focusing on retail, commercial, and private clients primarily in the Netherlands and northwestern Europe. Key features include a dividend yield of approximately 4.39%, a market capitalization around €25 billion, and earnings per share of €2.72, reflecting solid profitability with ROE at 9%. The bank actively manages capital through ECB-approved share buyback programs, such as the €500 million repurchase completed in 2024, reducing outstanding shares. These depositary receipts play a vital role in the European financial markets, enabling broad investor access to ABN AMRO's performance in a stable, regulated banking environment.
€38.25
+€0.38 (+1.00%)
EOD Jul 3, 2026
25.79% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 1.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 15x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.0x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€8.90B
▼ -1.8% YoY
Net Income (TTM)
€2.33B
▼ -6.3% YoY
Net Margin
26.13%
P/E
15.0x
Balance Sheet
Total Assets
€413.21B
Equity
€27.04B
Total Debt
€79.42B
Cash & Equiv.
€50.92B
3Y CAGR: +4.6%
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At a P/E of 15.0 and a price-to-free-cash-flow of 17.1, ABN AMRO Bank N.V. Depositary Receipt (ABN.XAMS) trades above a two-stage DCF intrinsic value of about €4.18 per share, so at €38.25 the stock looks overvalued (89.1% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, ABN AMRO Bank N.V. Depositary Receipt scores 81/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €4.18 per share for ABN.XAMS, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €3.13. At today's €38.25, that puts the stock about 89.1% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
ABN AMRO Bank N.V. Depositary Receipt scores 81 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, ABN AMRO Bank N.V. Depositary Receipt pays a regular dividend of about €1.32 per share per year (typically in quarterly installments), a yield of roughly 3.4% at the current price. That is a payout ratio of about 46.6% of earnings, so the dividend is well covered. ABN AMRO Bank N.V. Depositary Receipt has grown the dividend at roughly 14.2% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ABN.XAMS's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. ABN.XAMS currently trades above its estimated intrinsic value and scores 81/100 on quality (high-quality). It also yields about 3.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.