BAWAG Group (0B2) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of BAWAG Group €112, price €177, upside -36.8%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range €14.45 – €184.70 · fair‑value band €83.80 – €139.66 · the €176.80 price screens above the €111.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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.
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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.
Stock analysis
BAWAG Group (0B2) currently trades at €176.80, while our model-based Fair Value estimate is €111.72, 36.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €96.91 per share, and 0 of the 4 models we run sit above the €176.80 price.
Bear case: the Asset-Based group reads lowest at €42.09, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: €83.80 (bear) to €139.66 (bull), the price of €176.80 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
BAWAG Group reported revenue of €2.4B in FY2025 versus €1.3B in FY2021, a compound +15.6%/yr. Reported net income was €860M in FY2025, compounding +15.7%/yr from FY2021.
Key figures
Market cap €13.6B · P/E ratio 17.2 · P/S ratio 6.28 · EPS (TTM) €10.28 · Net margin 36.5% · Return on equity 19.0% · Return on assets 1.2% · Operating margin 60.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 75% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −37%, 0B2 screens richer than that median.
Fair Value models
Bear €83.80Fair Value €111.72Bull €139.66
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€7.77 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+41.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.2%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside−37.4% · Bottom 25%
Profitability
Return on equity (TTM)19.0% · Top 25%
Return on assets1.2% · Above median
Net margin (TTM)43.3% · Top 25%
Operating margin (TTM)60.8% · Top 25%
Growth and dividend
Revenue growth8.4% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BAWAG Group Fair Value". https://www.fairvalue-calculator.com/stock/0B2
Frequently asked questions
Is BAWAG Group (0B2) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of €111.72 versus a price of €176.80, about −37% upside (overvalued).
What is the fair value of 0B2?
Our model-based fair value for BAWAG Group is €111.72 (as of Oct 2, 2026), built from audited fundamentals. The current price: €176.80.
What is the quality score of 0B2?
BAWAG Group has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BAWAG Group (0B2)?
Our model-based price target is the fair value of €111.72 (as of Oct 2, 2026) from 4 valuation models. Cautious scenario €83.80, optimistic scenario €139.66. It is a calculation from audited fundamentals, not an analyst target.
What is the BAWAG Group stock forecast for 2026?
Our models put fair value at €111.72, about −37% upside versus a price of €176.80 (overvalued). Cautious scenario €83.80, optimistic scenario €139.66. The calculation is refreshed regularly with new filings.
What is the revenue of BAWAG Group (0B2)?
BAWAG Group reported trailing-twelve-month revenue of about €2.1B (latest available figure, as of Oct 2, 2026).
What is the intrinsic value of BAWAG Group (0B2)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BAWAG Group it is €111.72 per share (as of Oct 2, 2026), against a price of €176.80. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is BAWAG Group stock overvalued or undervalued in 2026?
As of Oct 2, 2026, 0B2 trades above its calculated fair value: price €176.80, fair value €111.72, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0B2?
No. The price is what the market pays today (€176.80); the fair value is what the company's own numbers justify (€111.72). For BAWAG Group the two are €65.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is BAWAG Group worth?
The market values BAWAG Group at about €13.6B (market capitalisation, as of Oct 2, 2026). Per share that is €176.80; our models calculate a fair value of €111.72 per share.
What do the bullish and bearish scenarios say about 0B2?
Our models span a range for BAWAG Group: cautious scenario €83.80, base €111.72, optimistic €139.66 per share (as of Oct 2, 2026, price €176.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0B2?
BAWAG Group trades at a price-to-earnings ratio of 17.2 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €111.72 is built from several models across several years. Other multiples: P/B 3.2, P/S 7.6.
How solid is the balance sheet of BAWAG Group (0B2)?
Balance-sheet figures for BAWAG Group (as of Oct 2, 2026): return on equity 19.0%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 0B2 from its 52-week high?
BAWAG Group trades at €176.80, about 4% below its 52-week high of €184.70 and 75% above the low of €101.29 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €111.72 is for.
Which stocks are comparable to BAWAG Group?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BAWAG Group stock attractive at the current price?
The data as of Oct 2, 2026: price €176.80, calculated fair value €111.72 (−37%), Quality Score 60/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0B2 calculated?
We run BAWAG Group through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €111.72, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. BAWAG Group itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BAWAG Group (0B2)?
The closing price on Oct 2, 2026 was €176.80. Our model-based fair value is €111.72, about −37% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BAWAG Group right now?
The price sits above even our optimistic bull case (€139.66). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of BAWAG Group
How large is the market capitalisation of BAWAG Group (0B2)?
The market capitalisation of BAWAG Group is €13.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BAWAG Group (0B2)?
The price-to-sales ratio of BAWAG Group is 6.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BAWAG Group (0B2)?
Earnings per share at BAWAG Group are €10.28 (price ÷ EPS = P/E 17.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BAWAG Group (0B2)?
The net margin of BAWAG Group is 36.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BAWAG Group (0B2)?
The return on equity (ROE) of BAWAG Group is 19.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of BAWAG Group (0B2)?
The return on assets (ROA) of BAWAG Group is 1.2% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of BAWAG Group (0B2)?
The operating margin of BAWAG Group is 60.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BAWAG Group (0B2)?
Revenue at BAWAG Group is growing +8.4% versus a year earlier (3y avg +19.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BAWAG Group (0B2)?
Earnings per share at BAWAG Group are growing +18.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BAWAG Group (0B2) generate?
The free cash flow of BAWAG Group is −€3.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does BAWAG Group (0B2) carry?
The net debt of BAWAG Group is €3.5B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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