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

  • 1RBI had positive earnings in the past year.
  • 1RBI had a positive operating cash flow in the past year.
  • 1RBI had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1RBI reported negative operating cash flow in multiple 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

  • With a Return On Assets value of -0.05%, 1RBI is not doing good in the industry: 97.41% of the companies in the same industry are doing better.
  • The Return On Equity of 1RBI (-0.55%) is worse than 97.41% of its industry peers.
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.
  • 1RBI has about the same amout of shares outstanding than it did 1 year ago.
  • 1RBI has less shares outstanding than it did 5 years ago.
  • 1RBI has a better debt/assets ratio than last year.
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

  • 1RBI has a debt to FCF ratio of 4.92. This is a neutral value as 1RBI would need 4.92 years to pay back of 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.
  • With a decent Debt to Equity ratio value of 1.27, 1RBI is doing good in the industry, outperforming 61.21% of the companies in the same industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • The Earnings Per Share has been decreasing by -1.90% on average over the past years.
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
  • 1RBI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.18% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

  • A Price/Earnings ratio of 19.40 indicates a rather expensive valuation of 1RBI.
  • Based on the Price/Earnings ratio, 1RBI is valued more expensive than 94.83% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.95. 1RBI is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 6.81, the valuation of 1RBI can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, 1RBI is valued cheaply inside the industry as 96.55% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of 1RBI to the average of the S&P500 Index (38.68), we can say 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 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1RBI is valued cheaply inside the industry as 87.07% of the companies are valued more expensively.
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

  • 1RBI has a Yearly Dividend Yield of 5.25%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.47, 1RBI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, 1RBI pays a better dividend.
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

  • The earnings of 1RBI are negative and hence is the payout ratio. 1RBI will probably not be able to sustain this dividend level.
  • The dividend of 1RBI is growing, but the earnings are growing slower. 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 Number53.4237 (36.98%)
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 for 1RBI stock?

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


How profitable is RAIFFEISEN BANK INTERNATIONA (1RBI.MI) stock?

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


Can you provide the financial health for 1RBI stock?

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


What is the earnings growth outlook for RAIFFEISEN BANK INTERNATIONA?

The Earnings per Share (EPS) of RAIFFEISEN BANK INTERNATIONA (1RBI.MI) is expected to grow by 185.33% in the next year.