ABN AMRO Bank N.V. (AAVMY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
ABN AMRO Bank N.V. (AAVMY) trades at $47.58 with AI Score 44/100 (Grade C). ABN AMRO Bank N. V. Market cap: $39.2B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026AAVMY stock analysis for 2026: Analysts have set a consensus price target of $36.80 for ABN AMRO Bank N.V., suggesting 22.7% downside from the current price of $47.58. The AI MoonshotScore is 44/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
AAVMY: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
ABN AMRO Bank N.V. (AAVMY) Financial Services Profile
ABN AMRO Bank N.V., a Netherlands-based financial institution, delivers comprehensive banking solutions spanning retail, private, and corporate sectors. With a focus on the Dutch market and international expansion, ABN AMRO distinguishes itself through its diversified service portfolio, including mortgages, loans, asset management, and investment banking, positioning it as a key player in the European financial landscape.
What Is the Investment Thesis for AAVMY?
ABN AMRO Bank N.V. presents a compelling investment case based on its strong market position in the Netherlands and its diversified business model. With a P/E ratio of 9.95 and a dividend yield of 4.74%, the bank offers attractive value to investors. A key value driver is its focus on operational efficiency and cost management, which has contributed to a healthy profit margin of 15.1%. Growth catalysts include the expansion of its wealth management services and strategic investments in digital banking platforms. However, potential risks include exposure to economic fluctuations in the Netherlands and increasing regulatory scrutiny in the financial sector. Investors should monitor the bank's ability to maintain asset quality and adapt to evolving market conditions.
Based on FMP financials and quantitative analysis
AAVMY Key Highlights
Market capitalization of $39.2B reflects ABN AMRO's significant presence in the European banking sector.
- Profit margin of 15.1% indicates efficient operations and effective cost management.
- Gross margin of 58.8% demonstrates the bank's ability to generate substantial revenue from its core banking activities.
- Dividend yield of 4.74% provides an attractive income stream for investors.
- Beta of 0.74 suggests lower volatility compared to the overall market, making it a relatively stable investment.
Who Are AAVMY's Competitors?
AAVMY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FANDF FirstRand Limited | $5.82 | +3.97% | $32.6B | 49 |
| GBOOF Grupo Financiero Banorte, S.A.B. de C.V. | $11.13 | +3.01% | $30.9B | 65 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.68 | +0.24% | $30.8B | 67 |
| MLYBY Malayan Banking Berhad | $5.99 | +6.21% | $36.2B | 52 |
| OTPBF OTP Bank Nyrt. | $153.23 | +0.00% | $41.2B | 56 |
| ABMRF ABN AMRO Bank N.V. | $49.00 | +0.00% | $40.3B | 50 |
| NWG NatWest Group plc | $18.31 | -0.54% | $36.5B | 55 |
| FANDY FirstRand Limited | $59.90 | -4.53% | $33.5B | 44 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AAVMY's Key Strengths?
Strong market position in the Netherlands.
- Diversified business model.
- Solid capital base.
- Commitment to sustainable finance.
What Are AAVMY's Weaknesses?
Exposure to economic fluctuations in the Netherlands.
- Increasing regulatory scrutiny.
- Competition from larger international banks.
- Dependence on interest income.
What Could Drive AAVMY Stock Higher?
Digital transformation initiatives aimed at improving customer experience and operational efficiency.
- Expansion of wealth management services targeting high-net-worth individuals.
- Commitment to sustainable finance and ESG principles, attracting socially responsible investors.
What Are the Key Risks for AAVMY?
Financial-distress signal — its Altman Z-Score of 0.12 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Europe, which could negatively impact lending activity and asset quality.
- Rising interest rates, which could increase borrowing costs and reduce demand for loans.
- Increasing regulatory scrutiny and compliance costs in the financial sector.
- Cybersecurity risks and the potential for data breaches.
- Exposure to fluctuations in the EUR/USD exchange rate.
What Are the Growth Opportunities for AAVMY?
- Expansion of Wealth Management Services: ABN AMRO has a significant opportunity to grow its wealth management business by targeting high-net-worth individuals in the Netherlands and internationally. The global wealth management market is expected to reach $150 trillion by 2028, driven by increasing affluence and rising demand for financial planning services. ABN AMRO can leverage its existing client base and its expertise in investment management to capture a larger share of this market. Timeline: Ongoing.
- Strategic Investments in Digital Banking Platforms: ABN AMRO is investing heavily in digital banking platforms to enhance customer experience and improve operational efficiency. The adoption of digital banking services is accelerating, with mobile banking users expected to reach 3.5 billion globally by 2027. ABN AMRO can leverage its digital capabilities to attract new customers, reduce costs, and offer innovative financial products and services. Timeline: Ongoing.
- Growth in Sustainable Finance: ABN AMRO is committed to sustainable finance and is actively involved in financing green projects and promoting ESG principles. ABN AMRO can leverage its expertise in sustainable finance to attract socially responsible investors and contribute to a more sustainable economy. Timeline: Ongoing.
- Increased Lending Activity in Emerging Markets: ABN AMRO has the opportunity to expand its lending activity in emerging markets, particularly in sectors such as infrastructure and renewable energy. Emerging markets offer higher growth potential compared to developed markets, but also come with increased risks. ABN AMRO can mitigate these risks by conducting thorough due diligence and implementing robust risk management practices. Timeline: Ongoing.
- Cross-Selling Opportunities: ABN AMRO can leverage its diversified business model to cross-sell products and services to its existing customer base. For example, the bank can offer wealth management services to its retail banking clients or provide corporate banking solutions to its small business clients. Cross-selling can increase customer loyalty, reduce customer acquisition costs, and drive revenue growth. Timeline: Ongoing.
What Are AAVMY's Competitive Advantages?
- Strong brand reputation and customer loyalty in the Netherlands.
- Diversified business model with multiple revenue streams.
- Extensive branch network and digital banking platform.
- Strong capital base and risk management practices.
What Does AAVMY Do?
ABN AMRO Bank N.V., established in 2009 and headquartered in Amsterdam, is a prominent financial institution providing a wide array of banking products and services to retail, private, and business clients both in the Netherlands and internationally. The bank operates through three primary segments: Personal & Business Banking, catering to individual and small business clients; Wealth Management, offering tailored financial solutions to high-net-worth individuals; and Corporate Banking, serving the needs of larger corporations and institutions. ABN AMRO's offerings include savings and deposit products, residential mortgages under the Florius brand, and consumer loans through various brands like Alpha Credit Nederland and Defam. The bank also provides credit cards, revolving credit facilities, pension schemes, and insurance products. Furthermore, ABN AMRO delivers asset-based solutions, including working capital solutions, equipment leases, and vendor lease services. Its private banking and wealth management services encompass investment management and financial planning. The bank's corporate banking division offers derivatives and equity clearing services, solidifying its position as a full-service financial provider.
What Products and Services Does AAVMY Offer?
- Provides retail banking services to individuals and families.
- Offers private banking and wealth management services to high-net-worth clients.
- Delivers corporate banking solutions to businesses of all sizes.
- Provides savings and deposit products.
- Offers residential mortgages and consumer loans.
- Issues and manages credit cards.
- Provides asset-based solutions, including working capital and equipment financing.
- Offers derivatives and equity clearing services.
How Does AAVMY Make Money?
- Generates revenue from interest income on loans and mortgages.
- Earns fees from providing banking services, such as account maintenance and transaction processing.
- Manages assets for clients and earns fees based on assets under management.
- Provides investment banking services and earns fees from underwriting and advisory activities.
What Industry Does AAVMY Operate In?
ABN AMRO operates in the highly competitive banking industry, facing competition from both domestic and international players. The industry is characterized by increasing regulatory requirements, technological disruption, and evolving customer expectations. Market trends include the growing adoption of digital banking services and the increasing importance of sustainable finance. ABN AMRO is well-positioned to capitalize on these trends, with its investments in digital innovation and its commitment to environmental, social, and governance (ESG) principles. The European banking sector is expected to experience moderate growth in the coming years, driven by increased lending activity and rising interest rates.
Who Are AAVMY's Key Customers?
- Retail customers seeking personal banking services.
- High-net-worth individuals seeking wealth management solutions.
- Small and medium-sized enterprises (SMEs) requiring business banking services.
- Large corporations seeking corporate banking solutions.
- Institutional investors seeking investment management services.
Forward Outlook
Wall Street analysts project ABN AMRO Bank N.V. revenue of about $9.46B for fiscal 2026, with EPS near $2.93. The estimate reflects 7 contributing analysts.
Earnings Track Record
ABN AMRO Bank N.V. has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 8.0% above estimates on average.
Financial Health
ABN AMRO Bank N.V.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.12 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for ABN AMRO Bank N.V. stands at 8.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. AAVMY trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
ABN AMRO Bank N.V. (AAVMY) Valuation Context
Valued at $39.2B, AAVMY is classified as a large-cap stock. Relative to its peer group, AAVMY's quantitative score of 44/100 is below the peer average of 58/100.
AAVMY Revenue & Earnings Trend
In Q2 2026, AAVMY generated $4.80B in top-line revenue, marking a sequential increase of 6.6%. The company recorded net income of $793.9M, with diluted EPS of $0.97. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this large-cap Financial Services company. Across the four most recent quarters, AAVMY averaged $0.73 in diluted EPS.
Company Profile
ABN AMRO Bank N.V. operates in the Banks - Diversified industry within the Financial Services sector. It is headquartered in Amsterdam, NL. The company is led by CEO Marguerite Berard-Andrieu. AAVMY has traded publicly since 2019.
AAVMY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the bank's future performance, indicating potential growth.
- Community sentiment has shifted positively, with discussions highlighting the bank's robust risk management strategies.
- Market perception has improved due to favorable regulatory developments, enhancing operational stability.
- Analysts are optimistic about the bank's digital transformation efforts, which could attract a younger clientele.
Bear Case
- Concerns about global economic uncertainty may impact the bank's lending activities and overall profitability.
- Some community members express skepticism regarding the bank's ability to adapt to rapidly changing market conditions.
- Negative sentiment has emerged around potential exposure to credit risks in volatile sectors, raising caution among investors.
- Recent comments from analysts indicate that competition in the banking sector remains fierce, potentially limiting market share growth.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $4.80B | $794M | $0.97 |
| Q1 2026 | $4.50B | $704M | $0.85 |
| Q4 2025 | $4.05B | $410M | $0.43 |
| Q3 2025 | $4.39B | $617M | $0.67 |
Based on FMP financials and quantitative analysis
AAVMY Latest News
No recent news available for AAVMY.
AAVMY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AAVMY.
Price Targets
Consensus target: $36.80
AAVMY MoonshotScore
What does this score mean?
The MoonshotScore rates AAVMY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Marguerite Berard-Andrieu
Managing Board member
Marguerite Berard-Andrieu is a seasoned executive with extensive experience in the financial services industry. Prior to joining ABN AMRO, she held various leadership positions at major European banks, focusing on retail banking, wealth management, and digital transformation. Her career spans over two decades, during which she has developed a strong track record of driving growth and innovation. She is known for her strategic vision and her ability to lead large teams effectively.
Track Record: Since joining ABN AMRO, Marguerite Berard-Andrieu has played a key role in the bank's digital transformation initiatives and its expansion in the wealth management sector. She has also been instrumental in strengthening the bank's risk management practices and improving its operational efficiency. Her leadership has contributed to ABN AMRO's strong financial performance and its commitment to sustainable finance.
ABN AMRO Bank N.V. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a certificate representing shares of a foreign company that trades on U.S. stock exchanges. AAVMY is an ADR for ABN AMRO Bank N.V., allowing U.S. investors to invest in the Dutch company without the complexities of cross-border transactions. Each AAVMY ADR represents a specific number of ABN AMRO shares traded on its home market.
- Home Market Ticker: Euronext Amsterdam, Netherlands
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: AAVM
AAVMY OTC Market Information
The OTC Other tier represents the lowest tier of the over-the-counter (OTC) market, indicating that AAVMY may have limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier may not be required to meet minimum financial standards or reporting requirements, which can increase investment risk. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited regulatory oversight and disclosure requirements.
- Potential for illiquidity and wider bid-ask spreads.
- Increased risk of fraud or manipulation.
- Greater price volatility.
- Difficulty in obtaining reliable information about the company.
- Verify the company's registration and legal status.
- Obtain and review the company's financial statements, if available.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Understand the trading characteristics of the stock, including volume and bid-ask spread.
- Consult with a qualified financial advisor.
- Established presence in the Netherlands.
- Operations regulated by Dutch financial authorities.
- Audited financial statements available (if any).
- Active investor relations program.
- Positive news coverage and analyst reports (if any).
AAVMY Financial Services Stock FAQ
What does the AI Score mean for AAVMY?
AAVMY holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. ABN AMRO Bank N.V. is a Dutch banking group providing a range of financial products and services to retail, private, and corporate clients. Operating across the Netherlands and internationally, …
What does ABN AMRO Bank N.V. do?
ABN AMRO Bank N.V. is a full-service financial institution providing a wide range of banking products and services to retail, private, and corporate clients. Its business model revolves around three key segments: Personal & Business Banking, Wealth Management, and Corporate Banking. The bank offers traditional banking services such as savings accounts, loans, mortgages, and credit cards.
What are the main risks for AAVMY?
ABN AMRO Bank N.V. faces several key risks, including macroeconomic factors, regulatory changes, and operational challenges. An economic downturn in Europe could negatively impact lending activity and asset quality. Increasing regulatory scrutiny and compliance costs could reduce profitability. Cybersecurity risks and the potential for data breaches pose a significant threat.
What are the key factors to evaluate for AAVMY?
ABN AMRO Bank N.V. (AAVMY) holds an AI score of 44/100 (low). Analysts target $36.80 (-23%). presents a compelling investment case based on its strong market position in the Netherlands and its diversified business model. Not financial advice.
How frequently does AAVMY data refresh on this page?
AAVMY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven AAVMY's recent stock price performance?
ABN AMRO Bank N.V. (AAVMY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in the Netherlands. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AAVMY overvalued or undervalued right now?
ABN AMRO Bank N.V. (AAVMY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Analysts target $36.80 (-23%) — downside risk seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research AAVMY before investing?
Before investing in ABN AMRO Bank N.V. (AAVMY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding AAVMY to a portfolio?
Key strength of ABN AMRO Bank N.V. (AAVMY): Strong market position in the Netherlands. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.