NWG Fundamental Analysis - NATWEST GROUP PLC -SPON ADR

Fundamental Rating

Overall NWG gets a fundamental rating of 3 out of 10. We evaluated NWG against 395 industry peers in the Banks industry. NWG has a bad profitability rating. Also its financial health evaluation is rather negative. NWG has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

NWG had positive earnings in the past year.

NWG had a positive operating cash flow in the past year.

Of the past 5 years NWG 4 years were profitable.

In multiple years NWG reported negative operating cash flow during the last 5 years.

1.2 Ratios

The Return On Assets of NWG (0.64%) is worse than 66.08% of its industry peers.

With an excellent Return On Equity value of 11.48%, NWG belongs to the best of the industry, outperforming 80.25% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	11.48%
ROIC	N/A

ROA(3y)0.58%

ROA(5y)0.4%

ROE(3y)10.82%

ROE(5y)7.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 28.99%, NWG is in the better half of the industry, outperforming 79.75% of the companies in the same industry.

NWG's Profit Margin has improved in the last couple of years.

NWG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.99%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.49%

PM growth 5Y6.53%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

NWG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, NWG has less shares outstanding

Compared to 5 years ago, NWG has less shares outstanding

NWG has a worse debt/assets ratio than last year.

2.2 Solvency

NWG has a debt to FCF ratio of 85.00. This is a negative value and a sign of low solvency as NWG would need 85.00 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 85.00, NWG is doing worse than 87.34% of the companies in the same industry.

NWG has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of NWG (2.83) is worse than 93.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.83
Debt/FCF	85
Altman-Z	N/A

ROIC/WACCN/A

WACC3.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

NWG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.58%, which is quite impressive.

The Earnings Per Share has been growing by 16.77% on average over the past years. This is quite good.

The Revenue has been growing slightly by 6.00% in the past year.

NWG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.

EPS 1Y (TTM)27.58%

EPS 3Y13.37%

EPS 5Y16.77%

EPS Q2Q%48.97%

Revenue 1Y (TTM)6%

Revenue growth 3Y11.39%

Revenue growth 5Y1.01%

Sales Q2Q%14.53%

3.2 Future

Based on estimates for the next years, NWG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.20% on average per year.

NWG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.82% yearly.

EPS Next Y4.62%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

EPS Next 5YN/A

Revenue Next Year8.94%

Revenue Next 2Y7.67%

Revenue Next 3Y6.58%

Revenue Next 5Y2.82%

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 decreasing.

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

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

NWG is valuated reasonably with a Price/Earnings ratio of 8.48.

NWG's Price/Earnings ratio is rather cheap when compared to the industry. NWG is cheaper than 91.65% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.19. NWG is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 7.80 indicates a rather cheap valuation of NWG.

NWG's Price/Forward Earnings ratio is rather cheap when compared to the industry. NWG is cheaper than 80.25% of the companies in the same industry.

NWG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.48
Fwd PE	7.8

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NWG is valued more expensive than 81.77% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	32.63
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)1.84

PEG (5Y)0.51

EPS Next 2Y8.83%

EPS Next 3Y9.2%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.14%, NWG is a good candidate for dividend investing.

NWG's Dividend Yield is a higher than the industry average which is at 3.45.

Compared to an average S&P500 Dividend Yield of 2.40, NWG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.14%

5.2 History

The dividend of NWG decreases each year by -7.34%.

NWG has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-7.34%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

39.83% of the earnings are spent on dividend by NWG. This is a low number and sustainable payout ratio.

DP39.83%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

More info and screens

Find the best dividend stocks

Show peers with best dividend

NATWEST GROUP PLC -SPON ADR

NYSE:NWG (5/29/2025, 8:04:00 PM)

After market: 14.25 0 (0%)

14.25

+0.08 (+0.56%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-02 2025-05-02/bmo

Earnings (Next)07-25 2025-07-25

Inst Owners59.09%

Inst Owner Change0%

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap57.48B

Analysts80.74

Price Target14.3 (0.35%)

Short Float %0.19%

Short Ratio1.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.14%

Yearly Dividend0.53

Dividend Growth(5Y)-7.34%

DP39.83%

Div Incr Years0

Div Non Decr Years0

Ex-Date03-14 2025-03-14 (0.395203)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)30.7%

Min EPS beat(2)15.32%

Max EPS beat(2)46.08%

EPS beat(4)4

Avg EPS beat(4)26.71%

Min EPS beat(4)3.9%

Max EPS beat(4)46.08%

EPS beat(8)8

Avg EPS beat(8)30.41%

EPS beat(12)12

Avg EPS beat(12)35.73%

EPS beat(16)16

Avg EPS beat(16)39.61%

Revenue beat(2)1

Avg Revenue beat(2)0.1%

Min Revenue beat(2)-1.03%

Max Revenue beat(2)1.24%

Revenue beat(4)2

Avg Revenue beat(4)1.03%

Min Revenue beat(4)-1.03%

Max Revenue beat(4)4.22%

Revenue beat(8)4

Avg Revenue beat(8)0.02%

Revenue beat(12)8

Avg Revenue beat(12)3.61%

Revenue beat(16)11

Avg Revenue beat(16)15.72%

PT rev (1m)3.73%

PT rev (3m)19.07%

EPS NQ rev (1m)-3.46%

EPS NQ rev (3m)4.01%

EPS NY rev (1m)-3.09%

EPS NY rev (3m)-0.78%

Revenue NQ rev (1m)0.08%

Revenue NQ rev (3m)1.72%

Revenue NY rev (1m)0.95%

Revenue NY rev (3m)2.56%

Valuation

		Industry Rank	Sector Rank
PE	8.48
Fwd PE	7.8
P/S	2.74
P/FCF	32.63
P/OCF	24.09
P/B	1.08
P/tB	1.34
EV/EBITDA	N/A

EPS(TTM)1.68

EY11.79%

EPS(NY)1.83

Fwd EY12.82%

FCF(TTM)0.44

FCFY3.06%

OCF(TTM)0.59

OCFY4.15%

SpS5.2

BVpS13.14

TBVpS10.6

PEG (NY)1.84

PEG (5Y)0.51

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	11.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.99%
GM	N/A
FCFM	8.39%

ROA(3y)0.58%

ROA(5y)0.4%

ROE(3y)10.82%

ROE(5y)7.56%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.49%

PM growth 5Y6.53%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.83
Debt/FCF	85
Debt/EBITDA	N/A
Cap/Depr	43.86%
Cap/Sales	2.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	28.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC3.72%

ROIC/WACCN/A

Cap/Depr(3y)69.13%

Cap/Depr(5y)69.23%

Cap/Sales(3y)4.21%

Cap/Sales(5y)4.76%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)27.58%

EPS 3Y13.37%

EPS 5Y16.77%

EPS Q2Q%48.97%

EPS Next Y4.62%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

EPS Next 5YN/A

Revenue 1Y (TTM)6%

Revenue growth 3Y11.39%

Revenue growth 5Y1.01%

Sales Q2Q%14.53%

Revenue Next Year8.94%

Revenue Next 2Y7.67%

Revenue Next 3Y6.58%

Revenue Next 5Y2.82%

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 1Y107.17%

FCF growth 3Y-70.85%

FCF growth 5YN/A

OCF growth 1Y110.16%

OCF growth 3Y-67.92%

OCF growth 5YN/A

NATWEST GROUP PLC -SPON ADR (NWG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens