Global stock

XETRAEUR

BMW AG

BMW.DE

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

51/ 100

Overall score·BMW.DE

Current price

57.42EUR

23/10/2026

P/E, P/B

Valuation

Strong

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Velmi nízké P/E, P/B a P/S spolu s PEG 0,51 ukazují na výrazně levnou valuaci, avšak nízké ocenění může odrážet cykličnost automobilového odvětví a slabší výkonnost. Nejsilnější dimenzí je hodnota, zatímco momentum je slabé: cena klesá a nachází se pod 50denním i 200denním průměrem; pokles zisku a tržeb rovněž zatěžuje růstový profil.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 59%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Metrics summary

A quick look at BMW AG (BMW.DE) combining financial health, the short-term signal, valuation, DCF, management quality and operating metrics. It is analytical context, not a recommendation to buy or sell.

51/100

The overall score is based mainly on long-term fundamentals, complemented by the current signal and the available qualitative rating of the company.

49/100

Neutral signal based on current news, price action and the economy.

89/100

A lower score means the stock is expensive relative to the company's earnings and assets.

65% below fair value

An estimate of what the stock should be worth based on the company's future cash.

-8%

How fast the company's revenue grows year on year.

43/100

How much the company earns from each unit of revenue and from invested capital.

49/100

Debt level, share-price volatility and how resilient the company is in bad times.

61/100

AI estimate of management quality, execution and capital allocation.

72/100

AI estimate of the company's durable competitive advantage.

§ Financial results

Financial results·BMW.DE

mld. EUR

RevenueEBITDANet incomeEBITDA margin

Margins and profitability·BMW.DE

Net marginEBITDA marginDashed = estimate

Net margin

+5.5 %

FY 2025 · reported

EBITDA margin

+14.6 %

FY 2026 · estimate

Net margin

+4.9 %

last 12 months

Operating margin

+5.1 %

last 12 months

ROE

+6.6 %

last 12 months

FY = fiscal year · TTM = trailing 12 months

§ Context and events

Management

Milan Nedeljković je CEO a předsedou představenstva. Finance řídí Walter Mertl, zákazníky, značky a prodej Jochen Goller a vývoj Joachim Post. Strategií BMW je obnovovat modelovou nabídku, rozvíjet elektromobily a současně zachovat flexibilitu mezi různými typy pohonu.

Articles about BMW AG, in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

4 November 2026

in 8 days

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is BMW AG (BMW.DE)?

BMW AG (BMW.DE) is a global stock traded on XETRA. Sector: Automotive. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the BMW AG price today?

As of 23 October 2026, BMW AG trades at about 57.42 EUR per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy BMW AG?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does BMW AG pay a dividend?

BMW AG either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is BMW AG a good investment in 2026?

Our AI signal currently rates BMW AG as neutral (score 49/100). Financial health comes out at 51/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. The DCF model currently puts the price about 65 % below its model fair value. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More global stocks

Microsoft Corporation

§ How to buy BMW AG

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Neutral

Earnings in 8 days

On 4 November 2026 the company publishes its quarterly results. This period tends to bring large price moves.

News summary

Older news

Signal 23/10, 18:02

Zpráva se ptá, zda akcie BMW po výsledcích klesly příliš; bez konkrétních výsledkových údajů její dopad na výhled zůstává nejistý.

Akcie za týden vzrostly o 4,01 %, ale za měsíc ztrácejí 4,33 %; neutrální trend a RSI 46 zatím nepotvrzují jasný obrat. Vysoká volatilita zvyšuje nejistotu.

Risks: Pokračující slabost po výsledcích nebo pokles pod nedávná minima by neutrální pohled oslabil.

More about the signal

Akcie za týden vzrostly o 4,01 %, ale za měsíc ztrácejí 4,33 %; neutrální trend a RSI 46 zatím nepotvrzují jasný obrat. Vysoká volatilita zvyšuje nejistotu.

Risks: Pokračující slabost po výsledcích nebo pokles pod nedávná minima by neutrální pohled oslabil.

Signal history· 2

05/1016:3020 · Strongly negative
BMW čelí tlaku na cenu kvůli nejistotě v poptávce a makroekonomickému prostředí; krátkodobý výhled ukazuje oslabení, ale v dlouhém horizontu by mohly nastat stabilizační signály.
04/1017:0126 · Strongly negative
Cena BMW mírně klesá pod tlakem techniky; makro prostředí je nejisté, snižuje sentiment pro automotiv sektor.

The full 90-day signal history is part of Premium.

Ask the AI

§ Model fair value (DCF)

Undervalued65% below fair value

163.82

range 131.7 – 208.5

Current price

57.42 EUR

23 Oct 26

PriceFair value range (DCF)UndervaluedOvervalued

What the calculation is based on

Model

163.82 EUR

range 131.7 EUR – 208.5 EUR

: 3.0%
: 9.5%
: 10.95 EUR

Free cash flow was below half of earnings last year because of heavy investment, so the model starts from earnings without one-off items (capped at operating cash flow).

Růst 3 % p.a. je konzervativní předpoklad s ohledem na pokles tržeb a EPS a cyklický charakter automobilového odvětví. Diskontní sazba 9,5 % zohledňuje cykličnost a zadlužení společnosti; terminální růst 2,5 % předpokládá dlouhodobý mírný růst.

DCF terms explained+

DCF (discounted cash flow) estimates how much cash the company will generate in the future and converts it into today's value per share.

Free cash flow (FCF) is the money left after running the business and investing. “12 m” means the last 12 months.

The discount rate expresses risk: the riskier the company, the higher the rate and the lower the fair value.

Fair value is a model estimate — not the market price and not an investment recommendation.

With Premium you can adjust growth, the discount rate and free cash flow, and the fair value recalculates live.

Adjust assumptions14 days free →

A model estimate, not an investment recommendation. Past performance does not guarantee future results.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 18 of 18

Valuation score

5/ 6

5/6 tests available

1. Below DCF fair value

64.9% below the DCF midpoint.

2. Well below DCF value

Discount = below the range or at least 15% below the midpoint.

3. Price vs. the last year

12% above the 1-year low (52.18 EUR to 97.42 EUR), based on stored daily prices.

4. P/E vs. similar companies

The sector sample has only 4 companies; scoring needs at least 8.

5. P/E relative to growth

PEG 0.5; a lower value means cheaper growth.

6. Analyst price target

24.1% vs. the current price, 19 analysts.

Price vs DCF

Current price

57.42 EUR

Low 131.7 EURHigh 208.5 EUR

Current priceDCF midpoint: 163.8 EUR

Price vs analyst target

Current price

57.42 EUR

Low 58.00 EURHigh 82.50 EUR

Current priceAverage: 71.23 EUR

DCF gap

below range

64.9% below the DCF midpoint (163.8 EUR).

Analyst target

+24.1%

Average target 71.23 EUR vs. price 57.42 EUR.

Analyst consensus

Target range

58.00 EUR - 82.50 EUR

Coverage

19 analysts

Analyst consensus

2.5 / 5

Changes 180 d

+0 / -0

EPS next year

32.1%

Revenue next year

3.7%

Valuation multiples

5.3

6.2

0.3

9.8

0.5

52-week range12% above the low

52.18 EUR97.42 EUR

-28.0%

-8.0%

4.9%

6.6%

Price vs 50D-3.6%

Price vs 200D-21.6%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 23/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

good

Skóre odráží zavedené vedení a strategii Neue Klasse, elektrifikace a efektivity, ale také cyklické a transformační výzvy a zvýšené auditorské governance riziko.

strong

BMW těží ze silných prémiových značek, globálního rozsahu a zákaznické loajality, které podporují cenovou sílu. Výhodu oslabuje intenzivní konkurence a nákladná proměna automobilového průmyslu.

Information

Type: Global stock
Symbol: BMW.DE
Exchange: XETRA
Currency: EUR
Sector: Automotive
: 5.3x
: 32.6B USD
: 119.9 %
: 0.81

§ Risk profile

Výsledky BMW jsou citlivé na hospodářský cyklus, poptávku po dražších vozech, ceny a dostupnost baterií i konkurenční tlak čínských automobilek. České investory navíc ovlivňuje kurz EUR/CZK a regulatorní změny v EU.

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