RAIFFEISEN BANK INTERNATIONA (1RBI.MI) Fundamental Analysis & Valuation

BIT:1RBI • AT0000606306

Current stock price

39 EUR
-2.9 (-6.92%)
Last:

This 1RBI.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. 1RBI.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1RBI was profitable.
  • 1RBI had a positive operating cash flow in the past year.
  • In the past 5 years 1RBI has always been profitable.
  • In multiple years 1RBI reported negative operating cash flow during the last 5 years.
1RBI.MI Yearly Net Income VS EBIT VS OCF VS FCF1RBI.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.05%, 1RBI is doing worse than 97.41% of the companies in the same industry.
  • With a Return On Equity value of -0.55%, 1RBI is not doing good in the industry: 97.41% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.05%
ROE -0.55%
ROIC N/A
ROA(3y)1.13%
ROA(5y)0.9%
ROE(3y)12.58%
ROE(5y)10.4%
ROIC(3y)N/A
ROIC(5y)N/A
1RBI.MI Yearly ROA, ROE, ROIC1RBI.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • In the last couple of years the Profit Margin of 1RBI has declined.
  • The Profit Margin and Operating Margin and Gross Margin are not available for 1RBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.42%
PM growth 5Y-9.27%
GM growth 3YN/A
GM growth 5YN/A
1RBI.MI Yearly Profit, Operating, Gross Margins1RBI.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. 1RBI.MI Health Analysis

2.1 Basic Checks

  • 1RBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1RBI remains at a similar level compared to 1 year ago.
  • 1RBI has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1RBI has an improved debt to assets ratio.
1RBI.MI Yearly Shares Outstanding1RBI.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
1RBI.MI Yearly Total Debt VS Total Assets1RBI.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of 1RBI is 4.92, which is a neutral value as it means it would take 1RBI, 4.92 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 4.92, 1RBI belongs to the best of the industry, outperforming 86.21% of the companies in the same industry.
  • A Debt/Equity ratio of 1.27 is on the high side and indicates that 1RBI has dependencies on debt financing.
  • 1RBI has a better Debt to Equity ratio (1.27) than 61.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.27
Debt/FCF 4.92
Altman-Z N/A
ROIC/WACCN/A
WACC11.04%
1RBI.MI Yearly LT Debt VS Equity VS FCF1RBI.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1RBI.MI Yearly Current Assets VS Current Liabilites1RBI.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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2

3. 1RBI.MI Growth Analysis

3.1 Past

  • The earnings per share for 1RBI have decreased strongly by -41.81% in the last year.
  • Measured over the past years, 1RBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.90% on average per year.
EPS 1Y (TTM)-41.81%
EPS 3Y-42.95%
EPS 5Y-1.9%
EPS Q2Q%140%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-11.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 26.28% on average over the next years. This is a very strong growth
  • The Revenue is expected to decrease by -3.18% on average over the next years.
EPS Next Y185.33%
EPS Next 2Y76.89%
EPS Next 3Y33.4%
EPS Next 5Y26.28%
Revenue Next Year-5.57%
Revenue Next 2Y-2.91%
Revenue Next 3Y-3.18%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
1RBI.MI Yearly Revenue VS Estimates1RBI.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
1RBI.MI Yearly EPS VS Estimates1RBI.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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6

4. 1RBI.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1RBI is valuated rather expensively with a Price/Earnings ratio of 19.40.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1RBI indicates a rather expensive valuation: 1RBI more expensive than 94.83% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1RBI to the average of the S&P500 Index (25.96), we can say 1RBI is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 6.81, which indicates a rather cheap valuation of 1RBI.
  • 96.55% of the companies in the same industry are more expensive than 1RBI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, 1RBI is valued rather cheaply.
Industry RankSector Rank
PE 19.4
Fwd PE 6.81
1RBI.MI Price Earnings VS Forward Price Earnings1RBI.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1RBI indicates a rather cheap valuation: 1RBI is cheaper than 87.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.39
EV/EBITDA N/A
1RBI.MI Per share data1RBI.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1RBI's earnings are expected to grow with 33.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y76.89%
EPS Next 3Y33.4%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1RBI.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.25%, 1RBI is a good candidate for dividend investing.
  • 1RBI's Dividend Yield is a higher than the industry average which is at 4.66.
  • 1RBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.25%

5.2 History

  • On average, the dividend of 1RBI grows each year by 45.41%, which is quite nice.
Dividend Growth(5Y)45.41%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 1RBI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 1RBI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-418.42%
EPS Next 2Y76.89%
EPS Next 3Y33.4%
1RBI.MI Yearly Income VS Free CF VS Dividend1RBI.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B

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1RBI.MI Fundamentals: All Metrics, Ratios and Statistics

RAIFFEISEN BANK INTERNATIONA

BIT:1RBI (3/4/2026, 7:00:00 PM)

39

-2.9 (-6.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)05-05
Inst Owners13.8%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.83B
Revenue(TTM)N/A
Net Income(TTM)-114.00M
Analysts75.56
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.25%
Yearly Dividend1.46
Dividend Growth(5Y)45.41%
DP-418.42%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-131.2%
Min EPS beat(2)-281.69%
Max EPS beat(2)19.29%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)29.78%
Min Revenue beat(2)15.71%
Max Revenue beat(2)43.86%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.38%
EPS NY rev (1m)0%
EPS NY rev (3m)4.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 19.4
Fwd PE 6.81
P/S 1.21
P/FCF 2.39
P/OCF 2.19
P/B 0.62
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)2.01
EY5.15%
EPS(NY)5.73
Fwd EY14.69%
FCF(TTM)16.29
FCFY41.76%
OCF(TTM)17.81
OCFY45.66%
SpS32.16
BVpS63.11
TBVpS59.93
PEG (NY)0.1
PEG (5Y)N/A
Graham Number53.42
Profitability
Industry RankSector Rank
ROA -0.05%
ROE -0.55%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 50.64%
ROA(3y)1.13%
ROA(5y)0.9%
ROE(3y)12.58%
ROE(5y)10.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.42%
PM growth 5Y-9.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.27
Debt/FCF 4.92
Debt/EBITDA N/A
Cap/Depr 105.03%
Cap/Sales 4.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.04%
ROIC/WACCN/A
Cap/Depr(3y)104.48%
Cap/Depr(5y)104.68%
Cap/Sales(3y)5.12%
Cap/Sales(5y)5.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-41.81%
EPS 3Y-42.95%
EPS 5Y-1.9%
EPS Q2Q%140%
EPS Next Y185.33%
EPS Next 2Y76.89%
EPS Next 3Y33.4%
EPS Next 5Y26.28%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-11.85%
Revenue Next Year-5.57%
Revenue Next 2Y-2.91%
Revenue Next 3Y-3.18%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1015.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30731.6%
OCF growth 3YN/A
OCF growth 5YN/A

RAIFFEISEN BANK INTERNATIONA / 1RBI.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1RBI.MI.


What is the valuation status of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) stock?

ChartMill assigns a valuation rating of 6 / 10 to RAIFFEISEN BANK INTERNATIONA (1RBI.MI). This can be considered as Fairly Valued.


What is the profitability of 1RBI stock?

RAIFFEISEN BANK INTERNATIONA (1RBI.MI) has a profitability rating of 1 / 10.


What is the financial health of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) stock?

The financial health rating of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) is 3 / 10.


Is the dividend of RAIFFEISEN BANK INTERNATIONA sustainable?

The dividend rating of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) is 7 / 10 and the dividend payout ratio is -418.42%.