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1. Company Snapshot

1.a. Company Description

UmweltBank AG provides various banking products and services in Germany.The company offers various deposit products, savings plans and green bonds, and environmental fund accounts; and personal loans and construction financing products.It also provides guaranteed bonus, income plans, investment products, and insurance and retirement products, as well as online and phone banking services.


In addition, the company offers finance for residential, photovoltaic, wind and hydropower, and biomass projects.UmweltBank AG was founded in 1997 and is based in Nuremberg, Germany.

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1.b. Last Insights on UBK

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.00%)

6. Segments

Banking and Related Activities

Expected Growth: 11%

UmweltBank AG's 11% growth in Banking and Related Activities is driven by increasing demand for sustainable financing, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on digitalization and process optimization has improved operational efficiency, leading to increased profitability. Strong risk management and a solid capital base have also contributed to the bank's growth.

7. Detailed Products

Mortgage Loans

Long-term financing for private and commercial properties

Savings Accounts

Low-risk deposit accounts with competitive interest rates

Current Accounts

Transactional accounts for daily financial activities

Investment Products

Diversified investment portfolios for long-term growth

Corporate Finance

Tailored financial solutions for businesses and corporations

Project Finance

Specialized financing for large-scale projects and infrastructure development

Renewable Energy Finance

Sustainable financing solutions for renewable energy projects

ESG Advisory

Expert advice on environmental, social, and governance (ESG) considerations

8. UmweltBank AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for UmweltBank AG is moderate, as there are alternative financial institutions and digital banking platforms that offer similar services.

Bargaining Power Of Customers

The bargaining power of customers is relatively low, as UmweltBank AG has a strong brand reputation and a wide range of financial products and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as UmweltBank AG relies on a network of suppliers for its operations, but has some flexibility in choosing its suppliers.

Threat Of New Entrants

The threat of new entrants is high, as the financial services industry is highly competitive and new digital banking platforms are emerging.

Intensity Of Rivalry

The intensity of rivalry is high, as UmweltBank AG operates in a highly competitive market with many established players and new entrants.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 90.10%
Debt Cost 3.95%
Equity Weight 9.90%
Equity Cost 7.40%
WACC 4.29%
Leverage 910.57%

11. Quality Control: UmweltBank AG passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 6.1

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Yield: 5.6

Momentum: 9.0

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A-Score: 5.0/10

Value: 9.2

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Quality: 6.9

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A-Score: 4.9/10

Value: 7.0

Growth: 6.9

Quality: 4.8

Yield: 4.4

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Volatility: 4.7

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A-Score: 4.7/10

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Quality: 6.2

Yield: 0.0

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UmweltBank

A-Score: 3.2/10

Value: 2.9

Growth: 1.7

Quality: 7.4

Yield: 2.5

Momentum: 1.0

Volatility: 3.7

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

3.5$

Current Price

3.5$

Potential

-0.00%

Expected Cash-Flows