Umweltbank AG (UBK.XETR) Quality Score
Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
0.5x book, trading near or below equity
Below 2%, essentially flat
Below 2%, book value not compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
5–10%, adequate but not exceptional
3.8% equity/assets, thin
Net margin compressed >2pp, profitability pressure
Umweltbank (UBK.XETR) quality: score, margins and returns
Umweltbank (UBK.XETR) scores 33/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Umweltbank (UBK.XETR) a high-quality business?+
Umweltbank scores 33 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Umweltbank's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from UBK.XETR's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Umweltbank scores well and where it falls behind.
How profitable is Umweltbank?+
Umweltbank runs a net margin of about 19.4%. Revenue has grown at roughly -0.1% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
Related stocks: Banks - Regional
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Data sourced from company 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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