
Aareal Bank AG (AAALY)
ValueMarkers Composite Index
DCF data not available
Aareal Bank AG (AAALY) — VMCI valuation read
Aareal Bank AG sits at VMCI 50/100, with the Financial Services sector median at 50. That 0-point spread is the first thing to note on AAALY: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on AAALY are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on AAALY: AAALY trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 2.1x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.
AAALY fell 1.2% over the trailing 7 days, with a -17.3% read on a 30-day basis.
Aareal Bank AG, together with its subsidiaries, provides financing, software products, digital solutions, and payment transaction applications for the property sector and related industries in Germany, North America, Asia Pacific, and internationally. The company operates through three segments: Structured Property Financing, Banking & Digital solutions, and Aareon. The Structured Property Financing segment offers property financing and refinancing solutions for office buildings, hotels, and shopping centers, as well as retail, logistics, residential properties, and student housing. This segment also provides deposits, registered and bearer Pfandbriefe, promissory note loans, medium-term notes, debt securities, private placements, other bonds and subordinated issues, mortgage Pfandbriefe, and public sector Pfandbriefe. The Banking & Digital solutions segment offers various services and products for the housing, commercial property, and energy and waste disposal industries. Its services include specialized banking, payment systems, and optimized business processes. The Aareon segment provides IT systems consultancy and related advisory services, enterprise resource planning systems, software solutions, hosting and software as a service, and in-house services. Aareal Bank AG was incorporated in 1923 and is headquartered in Wiesbaden, Germany.
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