RAIFFEISEN BANK INTERNATIONA (1RBI.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1RBI - AT0000606306 - Common Stock
37.78 EUR
-0.06 (-0.16%)
Taking everything into account, 1RBI scores 3 out of 10 in our fundamental rating. 1RBI was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of 1RBI have multiple concerns. 1RBI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- 1RBI had negative earnings in the past year.
- 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.
1.2 Ratios
- 1RBI has a worse Return On Assets (-0.05%) than 95.76% of its industry peers.
- 1RBI has a worse Return On Equity (-0.53%) than 95.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.05% | ||
| ROE | -0.53% | ||
| 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
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 Rank | Sector 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
2. Health
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.
- Compared to 5 years ago, 1RBI has about the same amount of shares outstanding.
- Compared to 1 year ago, 1RBI has a worse debt to assets ratio.
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.
- 1RBI's Debt to FCF ratio of 4.92 is amongst the best of the industry. 1RBI outperforms 88.14% of its industry peers.
- 1RBI has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.27, 1RBI is in the better half of the industry, outperforming 64.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for 1RBI have decreased strongly by -128.91% in the last year.
- Measured over the past years, 1RBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.51% on average per year.
- 1RBI shows a small growth in Revenue. In the last year, the Revenue has grown by 0.15%.
- Measured over the past years, 1RBI shows a small growth in Revenue. The Revenue has been growing by 7.90% on average per year.
EPS 1Y (TTM)-128.91%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-13.31%
Revenue 1Y (TTM)0.15%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%-21.71%
3.2 Future
- The Earnings Per Share is expected to grow by 8.15% on average over the next years. This is quite good.
- Based on estimates for the next years, 1RBI will show a decrease in Revenue. The Revenue will decrease by -2.34% on average per year.
EPS Next Y26.51%
EPS Next 2Y33.61%
EPS Next 3Y22.65%
EPS Next 5Y8.15%
Revenue Next Year0.21%
Revenue Next 2Y-2.73%
Revenue Next 3Y-1.88%
Revenue Next 5Y-2.34%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- 1RBI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- 1RBI is valuated cheaply with a Price/Forward Earnings ratio of 6.13.
- 1RBI's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1RBI is cheaper than 97.46% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of 1RBI to the average of the S&P500 Index (25.98), we can say 1RBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.13 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, 1RBI is valued cheaply inside the industry as 93.22% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.32 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as 1RBI's earnings are expected to grow with 22.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.61%
EPS Next 3Y22.65%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.25%, 1RBI is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.93, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
5.2 History
- The dividend of 1RBI is nicely growing with an annual growth rate of 7.08%!
Dividend Growth(5Y)7.08%
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.
- The dividend of 1RBI is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP-433.64%
EPS Next 2Y33.61%
EPS Next 3Y22.65%
RAIFFEISEN BANK INTERNATIONA / 1RBI.MI 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 6 / 10 and the dividend payout ratio is -433.64%.