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1. Company Snapshot

1.a. Company Description

OVB Holding AG, through its subsidiaries, provides advisory and brokerage services to private households in Europe.The company provides advisory services to clients in structuring their finances; and broking various financial products offered by insurance companies, banks, building societies, and other enterprises.OVB Holding AG was founded in 1970 and is headquartered in Cologne, Germany.

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1.b. Last Insights on O4B

OVB Holding AG's recent performance was driven by its attractive dividend yield, which has garnered attention from income-seeking investors. The company's commitment to maintaining a stable dividend payout has made it a reliable choice amidst market volatility. Additionally, OVB's focus on providing financial services to individuals and small businesses has enabled it to navigate the challenges posed by U.S. trade tariffs and uncertainty over monetary policy. Furthermore, the company's recent announcement of a share buyback program is expected to boost shareholder value.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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OVB Holding (XTRA:O4B) Net Profit Margin Declines, Undercutting Bullish Profitability Narratives

Nov -01

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OVB Holding Second Quarter 2025 Earnings: Revenues Beat Expectations, EPS Lags

Aug -11

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.00%)

6. Segments

Advisory and Brokerage Services

Expected Growth: 4.0%

OVB Holding AG's Advisory and Brokerage Services segment growth of 4.0% is driven by increasing demand for investment advice, expansion into new markets, and strategic partnerships. Additionally, the company's digitalization efforts, improved customer service, and diversified product offerings have contributed to the growth.

7. Detailed Products

Life Insurance

OVB Holding AG offers a range of life insurance products that provide financial protection to individuals and their loved ones in the event of death or disability.

Pension Insurance

OVB Holding AG's pension insurance products help individuals save for their retirement and ensure a steady income stream in their golden years.

Health Insurance

OVB Holding AG's health insurance products provide financial protection against medical expenses and ensure access to quality healthcare.

Investment Products

OVB Holding AG offers a range of investment products, including unit-linked insurance plans, that help individuals grow their wealth over time.

Accident Insurance

OVB Holding AG's accident insurance products provide financial protection against accidental death or disability.

Savings Plans

OVB Holding AG's savings plans help individuals build a corpus over time through regular investments.

8. OVB Holding AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for OVB Holding AG is moderate, as there are alternative financial services and products available to customers.

Bargaining Power Of Customers

The bargaining power of customers is low, as OVB Holding AG has a diverse customer base and no single customer has significant influence over the company.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as OVB Holding AG relies on a few large suppliers for its financial products and services.

Threat Of New Entrants

The threat of new entrants is high, as the financial services industry is highly competitive and new companies can easily enter the market.

Intensity Of Rivalry

The intensity of rivalry is high, as OVB Holding AG operates in a highly competitive market with many established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 10.69%
Debt Cost 5.05%
Equity Weight 89.31%
Equity Cost 5.89%
WACC 5.80%
Leverage 11.96%

11. Quality Control: OVB Holding AG passed 6 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

Stock-Card
OVB Holding

A-Score: 6.6/10

Value: 5.5

Growth: 5.8

Quality: 5.2

Yield: 7.5

Momentum: 5.5

Volatility: 10.0

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FlatexDEGIRO

A-Score: 5.7/10

Value: 4.9

Growth: 7.4

Quality: 8.5

Yield: 0.0

Momentum: 9.5

Volatility: 3.7

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Stock-Card
CMC Markets

A-Score: 5.6/10

Value: 8.0

Growth: 5.8

Quality: 8.2

Yield: 8.1

Momentum: 1.0

Volatility: 2.3

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Alpha Group International

A-Score: 5.5/10

Value: 2.4

Growth: 9.4

Quality: 8.5

Yield: 0.6

Momentum: 9.5

Volatility: 2.7

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Stock-Card
Flow Traders

A-Score: 5.4/10

Value: 8.2

Growth: 5.0

Quality: 6.1

Yield: 0.0

Momentum: 8.5

Volatility: 4.7

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Close Brothers

A-Score: 4.4/10

Value: 7.8

Growth: 1.9

Quality: 3.5

Yield: 4.4

Momentum: 8.5

Volatility: 0.3

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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

19.4$

Current Price

19.4$

Potential

-0.00%

Expected Cash-Flows