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Also traded in: Germany, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.09
AAALF's Cash to Debt is ranked lower than
94% of the 1537 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.11 vs. AAALF: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
AAALF' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: No Debt Max: No Debt
Current: 0.09
Equity to Asset 0.06
AAALF's Equity to Asset is ranked lower than
87% of the 1597 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. AAALF: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
AAALF' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.05 Max: 0.07
Current: 0.06
0.04
0.07
Interest Coverage 1.93
AAALF's Interest Coverage is ranked higher than
53% of the 1552 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.70 vs. AAALF: 1.93 )
Ranked among companies with meaningful Interest Coverage only.
AAALF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.35 Max: No Debt
Current: 1.93
F-Score: 4
WACC vs ROIC
2.67%
1.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 39.19
AAALF's Operating margin (%) is ranked higher than
70% of the 1640 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.80 vs. AAALF: 39.19 )
Ranked among companies with meaningful Operating margin (%) only.
AAALF' s Operating margin (%) Range Over the Past 10 Years
Min: 18.75  Med: 32.59 Max: 60.47
Current: 39.19
18.75
60.47
Net-margin (%) 25.26
AAALF's Net-margin (%) is ranked higher than
59% of the 1639 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.22 vs. AAALF: 25.26 )
Ranked among companies with meaningful Net-margin (%) only.
AAALF' s Net-margin (%) Range Over the Past 10 Years
Min: 13.68  Med: 19.96 Max: 43.83
Current: 25.26
13.68
43.83
ROE (%) 8.61
AAALF's ROE (%) is ranked higher than
52% of the 1635 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.35 vs. AAALF: 8.61 )
Ranked among companies with meaningful ROE (%) only.
AAALF' s ROE (%) Range Over the Past 10 Years
Min: 3.14  Med: 5.36 Max: 24.52
Current: 8.61
3.14
24.52
ROA (%) 0.46
AAALF's ROA (%) is ranked lower than
74% of the 1646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.88 vs. AAALF: 0.46 )
Ranked among companies with meaningful ROA (%) only.
AAALF' s ROA (%) Range Over the Past 10 Years
Min: 0.16  Med: 0.27 Max: 0.78
Current: 0.46
0.16
0.78
Revenue Growth (3Y)(%) 17.40
AAALF's Revenue Growth (3Y)(%) is ranked higher than
88% of the 1341 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.20 vs. AAALF: 17.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AAALF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -10.9 Max: 17.4
Current: 17.4
0
17.4
EBITDA Growth (3Y)(%) 35.70
AAALF's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1228 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.00 vs. AAALF: 35.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AAALF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29  Med: -5.95 Max: 35.7
Current: 35.7
-29
35.7
EPS Growth (3Y)(%) 50.20
AAALF's EPS Growth (3Y)(%) is ranked higher than
93% of the 1206 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. AAALF: 50.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AAALF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.9  Med: 16.05 Max: 50.2
Current: 50.2
-35.9
50.2
» AAALF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe
Compare:OTCPK:ALBKY, OTCPK:BDGSF, OTCPK:MBNKF, OTCPK:CYBBF, OTCPK:SBRKF, OTCPK:CRDMF, OTCPK:EGFEY, OTCPK:SRMGF, OTCPK:MDRDF, OTCPK:OSVBF, OTCPK:THBIY, OTCPK:BMDPY, OTCPK:BKTOF, OTCPK:TKYVY, OTCPK:TYABF, OTCPK:SWZNF, OTCPK:PKSKY, OTCPK:BPIRF, OTCPK:BNCDY, OTCPK:JYSKF » details
Traded in other countries:ARL.Germany, ARL.Switzerland, 0MG0.UK,
Aareal Bank AG is a property specialist company providing property financing services. The Company operates in two business segment namely structured property financing and consulting or services segment. It also issues Pfandbriefe & debt securities.

Aareal Bank AG provides finance as well as consulting services to commercial property and institutional housing sectors. The Bank has two segments: Structured Property Financing and Consulting/Services. The Structured Property Financing segment provides property financing solutions for national and international clients on three continents. The Bank offers logistics, retail property and hotel financing packages. It focuses on hotels that are in prime locations across Europe, North America and Asia. In logistics properties, the Bank focuses on providing logistics financing solutions with its financing and structuring solutions. Its team is comprised of international real estate bankers and logistics industry professionals covering German and international markets. Structured logistics finance solutions include portfolio structuring for pan-European portfolios in combination with pan-European debt financing. The Retail Property Finance department caters for the needs of shopping center owners and developers. The Consulting/Services segment offers services for the housing and the commercial property industry as well as for the energy and waste disposal market. These are comprised of banking services, electronic banking, automated settlement of mass payment transactions and the optimization of processes. The Bank also focuses on the development and support of IT services emphasizing personal advice and product design to meet its clients' individual requirements. The Bank is also an issuer of Pfandbriefe and senior unsecured and subordinated debt in the capital markets.

Ratios

vs
industry
vs
history
P/E(ttm) 7.52
AAALF's P/E(ttm) is ranked higher than
81% of the 1503 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.14 vs. AAALF: 7.52 )
Ranked among companies with meaningful P/E(ttm) only.
AAALF' s P/E(ttm) Range Over the Past 10 Years
Min: 2.35  Med: 8.24 Max: 20.55
Current: 7.52
2.35
20.55
Forward P/E 9.19
AAALF's Forward P/E is ranked higher than
79% of the 362 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.59 vs. AAALF: 9.19 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.52
AAALF's PE(NRI) is ranked higher than
81% of the 1505 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.17 vs. AAALF: 7.52 )
Ranked among companies with meaningful PE(NRI) only.
AAALF' s PE(NRI) Range Over the Past 10 Years
Min: 2.35  Med: 8.24 Max: 20.58
Current: 7.52
2.35
20.58
P/B 0.63
AAALF's P/B is ranked higher than
79% of the 1585 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.05 vs. AAALF: 0.63 )
Ranked among companies with meaningful P/B only.
AAALF' s P/B Range Over the Past 10 Years
Min: 0.28  Med: 0.55 Max: 0.97
Current: 0.63
0.28
0.97
P/S 1.83
AAALF's P/S is ranked higher than
75% of the 1593 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.93 vs. AAALF: 1.83 )
Ranked among companies with meaningful P/S only.
AAALF' s P/S Range Over the Past 10 Years
Min: 0.78  Med: 1.85 Max: 3.52
Current: 1.83
0.78
3.52
EV-to-EBIT 33.45
AAALF's EV-to-EBIT is ranked lower than
87% of the 1246 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.74 vs. AAALF: 33.45 )
Ranked among companies with meaningful EV-to-EBIT only.
AAALF' s EV-to-EBIT Range Over the Past 10 Years
Min: -16.9  Med: 3.7 Max: 37.2
Current: 33.45
-16.9
37.2
EV-to-EBITDA 33.45
AAALF's EV-to-EBITDA is ranked lower than
89% of the 1246 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.33 vs. AAALF: 33.45 )
Ranked among companies with meaningful EV-to-EBITDA only.
AAALF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -16.9  Med: 3.6 Max: 37.2
Current: 33.45
-16.9
37.2
PEG 0.48
AAALF's PEG is ranked higher than
80% of the 735 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. AAALF: 0.48 )
Ranked among companies with meaningful PEG only.
AAALF' s PEG Range Over the Past 10 Years
Min: 0.2  Med: 0.35 Max: 4.46
Current: 0.48
0.2
4.46

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 4.93
AAALF's Yield on cost (5-Year) is ranked higher than
74% of the 2525 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.49 vs. AAALF: 4.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AAALF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.83  Med: 3.42 Max: 6.09
Current: 4.93
1.83
6.09

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.66
AAALF's Price/Tangible Book is ranked higher than
79% of the 1577 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.12 vs. AAALF: 0.66 )
Ranked among companies with meaningful Price/Tangible Book only.
AAALF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.32  Med: 0.58 Max: 0.96
Current: 0.66
0.32
0.96
Price/Median PS Value 0.99
AAALF's Price/Median PS Value is ranked higher than
62% of the 1483 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.03 vs. AAALF: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
AAALF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.28  Med: 0.96 Max: 1.75
Current: 0.99
0.28
1.75
Price/Peter Lynch Fair Value 0.34
AAALF's Price/Peter Lynch Fair Value is ranked higher than
94% of the 383 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. AAALF: 0.34 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AAALF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.22  Med: 0.35 Max: 1.45
Current: 0.34
0.22
1.45
Price/Graham Number 0.47
AAALF's Price/Graham Number is ranked higher than
82% of the 1387 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.85 vs. AAALF: 0.47 )
Ranked among companies with meaningful Price/Graham Number only.
AAALF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 0.45 Max: 0.82
Current: 0.47
0.28
0.82
Earnings Yield (Greenblatt) (%) 3.00
AAALF's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1605 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.90 vs. AAALF: 3.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AAALF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 19.2 Max: 1137.4
Current: 3
2.7
1137.4
Forward Rate of Return (Yacktman) (%) 22.04
AAALF's Forward Rate of Return (Yacktman) (%) is ranked higher than
71% of the 851 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.77 vs. AAALF: 22.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AAALF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.9  Med: 19 Max: 112.3
Current: 22.04
-7.9
112.3

More Statistics

Revenue (TTM) (Mil) $1,070
EPS (TTM) $ 4.36
Beta1.21
Short Percentage of Float0.00%
52-Week Range $28.70 - 39.20
Shares Outstanding (Mil)59.86

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 1,082 1,093 1,104
EPS ($) 3.54 3.67 3.75
EPS w/o NRI ($) 3.54 3.67 3.75
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 2.08 2.47 2.81
» More Articles for AAALF

Headlines

Articles On GuruFocus.com
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Aareal Bank Group remains on course during the second quarter of 2016 Aug 11 2016
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Aareal Bank Group posts a successful start to the 2016 financial year May 10 2016
Aareal Bank Group pushes ahead with implementation of its "Aareal 2020" future programme: New people... May 03 2016
Changes to the Management Board of Aareal Bank AG: Christof Winkelmann appointed as a member of the... Apr 20 2016
Aareal Bank Group publishes Annual Report 2015 Mar 30 2016
Aareal Bank presents BK01 eConnect, a new digital solution for the energy industry Jan 18 2016
Aareal Bank arranges € 80 million financing for the office building “Noda” in the suburban... Jan 13 2016
Aareal Bank provides €129 million financing for the acquisition of "Garden Tower" building in... Dec 15 2015
Announcement in accordance with § 15 WpHG: Aareal Bank sells property company in Sweden –... Dec 08 2015
Announcement in accordance with § 15 WpHG: Aareal Bank sells property company in Sweden –... Dec 08 2015
Aareal Bank sells property company in Sweden – slightly raises guidance for 2015's full-year... Dec 08 2015
Aareal Bank arranges € 215 million financing for a European hotel portfolio Nov 13 2015
Aareal Bank again posts very good results for the third quarter – Consolidated operating profit... Nov 10 2015

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