NATWEST GROUP PLC -SPON ADR (NWG) Fundamental Analysis & Valuation

NYSE:NWG • US6390572070

Current stock price

14.27 USD
-0.03 (-0.21%)
At close:
14.27 USD
0 (0%)
After Hours:

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

4

1. NWG Profitability Analysis

1.1 Basic Checks

  • In the past year NWG was profitable.
  • In the past year NWG had a positive cash flow from operations.
  • In the past 5 years NWG has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: NWG reported negative operating cash flow in multiple years.
NWG Yearly Net Income VS EBIT VS OCF VS FCFNWG 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 20B -20B 40B -40B

1.2 Ratios

  • NWG has a Return On Assets of 0.77%. This is in the lower half of the industry: NWG underperforms 66.05% of its industry peers.
  • NWG has a Return On Equity of 12.86%. This is amongst the best in the industry. NWG outperforms 85.00% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 12.86%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.58%
ROE(3y)12.06%
ROE(5y)10.48%
ROIC(3y)N/A
ROIC(5y)N/A
NWG Yearly ROA, ROE, ROICNWG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With an excellent Profit Margin value of 31.52%, NWG belongs to the best of the industry, outperforming 81.84% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NWG has grown nicely.
  • NWG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.85%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NWG Yearly Profit, Operating, Gross MarginsNWG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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1

2. NWG Health Analysis

2.1 Basic Checks

  • NWG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NWG has been reduced compared to 1 year ago.
  • Compared to 5 years ago, NWG has less shares outstanding
  • NWG has a worse debt/assets ratio than last year.
NWG Yearly Shares OutstandingNWG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
NWG Yearly Total Debt VS Total AssetsNWG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • NWG has a debt to FCF ratio of 17.59. This is a negative value and a sign of low solvency as NWG would need 17.59 years to pay back of all of its debts.
  • NWG has a Debt to FCF ratio of 17.59. This is amonst the worse of the industry: NWG underperforms 81.05% of its industry peers.
  • A Debt/Equity ratio of 2.37 is on the high side and indicates that NWG has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.37, NWG is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.37
Debt/FCF 17.59
Altman-Z N/A
ROIC/WACCN/A
WACC4.21%
NWG Yearly LT Debt VS Equity VS FCFNWG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NWG Yearly Current Assets VS Current LiabilitesNWG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. NWG Growth Analysis

3.1 Past

  • NWG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.19%, which is quite impressive.
  • The Earnings Per Share has been growing by 13.31% on average over the past years. This is quite good.
  • The Revenue has grown by 11.49% in the past year. This is quite good.
  • NWG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.53% yearly.
EPS 1Y (TTM)22.19%
EPS 3Y13.31%
EPS 5YN/A
EPS Q2Q%1.76%
Revenue 1Y (TTM)11.49%
Revenue growth 3Y7.36%
Revenue growth 5Y8.53%
Sales Q2Q%10.67%

3.2 Future

  • NWG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.95% yearly.
  • Based on estimates for the next years, NWG will show a small growth in Revenue. The Revenue will grow by 1.51% on average per year.
EPS Next Y5.73%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
EPS Next 5YN/A
Revenue Next Year7.71%
Revenue Next 2Y7.26%
Revenue Next 3Y6.22%
Revenue Next 5Y1.51%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
NWG Yearly Revenue VS EstimatesNWG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B 20B
NWG Yearly EPS VS EstimatesNWG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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7

4. NWG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.59 indicates a rather cheap valuation of NWG.
  • Based on the Price/Earnings ratio, NWG is valued cheaper than 92.63% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. NWG is valued rather cheaply when compared to this.
  • NWG is valuated cheaply with a Price/Forward Earnings ratio of 7.17.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NWG indicates a rather cheap valuation: NWG is cheaper than 92.63% of the companies listed in the same industry.
  • NWG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 7.59
Fwd PE 7.17
NWG Price Earnings VS Forward Price EarningsNWG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NWG indicates a rather cheap valuation: NWG is cheaper than 87.11% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.65
EV/EBITDA N/A
NWG Per share dataNWG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • NWG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.32
PEG (5Y)N/A
EPS Next 2Y8.35%
EPS Next 3Y7.95%

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

6

5. NWG Dividend Analysis

5.1 Amount

  • NWG has a Yearly Dividend Yield of 4.69%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.78, NWG pays a better dividend. On top of this NWG pays more dividend than 88.95% of the companies listed in the same industry.
  • NWG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 4.69%

5.2 History

  • The dividend of NWG is nicely growing with an annual growth rate of 53.56%!
  • NWG has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)53.56%
Div Incr Years0
Div Non Decr Years0
NWG Yearly Dividends per shareNWG Yearly Dividends per shareYearly Dividends per share 2018 2019 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • NWG pays out 43.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • NWG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.37%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
NWG Yearly Income VS Free CF VS DividendNWG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B
NWG Dividend Payout.NWG Dividend Payout, showing the Payout Ratio.NWG Dividend Payout.PayoutRetained Earnings

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NWG Fundamentals: All Metrics, Ratios and Statistics

NATWEST GROUP PLC -SPON ADR

NYSE:NWG (3/27/2026, 8:04:00 PM)

After market: 14.27 0 (0%)

14.27

-0.03 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)05-01
Inst Owners63.31%
Inst Owner Change0%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap56.81B
Revenue(TTM)17.38B
Net Income(TTM)5.48B
Analysts80
Price Target19.74 (38.33%)
Short Float %0.05%
Short Ratio0.54
Dividend
Industry RankSector Rank
Dividend Yield 4.69%
Yearly Dividend0.73
Dividend Growth(5Y)53.56%
DP43.37%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-20
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.97%
Min EPS beat(2)11.99%
Max EPS beat(2)21.96%
EPS beat(4)4
Avg EPS beat(4)15.76%
Min EPS beat(4)11.99%
Max EPS beat(4)21.96%
EPS beat(8)8
Avg EPS beat(8)21.23%
EPS beat(12)12
Avg EPS beat(12)25.53%
EPS beat(16)16
Avg EPS beat(16)30.74%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.51%
Revenue beat(4)2
Avg Revenue beat(4)-0.31%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)3.51%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)6
Avg Revenue beat(12)-0.09%
Revenue beat(16)10
Avg Revenue beat(16)2.63%
PT rev (1m)1.1%
PT rev (3m)9.44%
EPS NQ rev (1m)3.18%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)1.02%
EPS NY rev (3m)0.78%
Revenue NQ rev (1m)2.69%
Revenue NQ rev (3m)1.56%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)1.17%
Valuation
Industry RankSector Rank
PE 7.59
Fwd PE 7.17
P/S 2.45
P/FCF 6.65
P/OCF 6.02
P/B 1
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)1.88
EY13.17%
EPS(NY)1.99
Fwd EY13.94%
FCF(TTM)2.15
FCFY15.04%
OCF(TTM)2.37
OCFY16.6%
SpS5.82
BVpS14.27
TBVpS11.83
PEG (NY)1.32
PEG (5Y)N/A
Graham Number24.57
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 12.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
GM N/A
FCFM 36.86%
ROA(3y)0.68%
ROA(5y)0.58%
ROE(3y)12.06%
ROE(5y)10.48%
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 3Y9.85%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.37
Debt/FCF 17.59
Debt/EBITDA N/A
Cap/Depr 57.63%
Cap/Sales 3.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC4.21%
ROIC/WACCN/A
Cap/Depr(3y)62.77%
Cap/Depr(5y)72.53%
Cap/Sales(3y)3.97%
Cap/Sales(5y)4.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.19%
EPS 3Y13.31%
EPS 5YN/A
EPS Q2Q%1.76%
EPS Next Y5.73%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
EPS Next 5YN/A
Revenue 1Y (TTM)11.49%
Revenue growth 3Y7.36%
Revenue growth 5Y8.53%
Sales Q2Q%10.67%
Revenue Next Year7.71%
Revenue Next 2Y7.26%
Revenue Next 3Y6.22%
Revenue Next 5Y1.51%
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 1Y389.83%
FCF growth 3YN/A
FCF growth 5Y-25.92%
OCF growth 1Y299.1%
OCF growth 3YN/A
OCF growth 5Y-24.64%

NATWEST GROUP PLC -SPON ADR / NWG Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NATWEST GROUP PLC -SPON ADR?

ChartMill assigns a fundamental rating of 4 / 10 to NWG.


What is the valuation status of NATWEST GROUP PLC -SPON ADR (NWG) stock?

ChartMill assigns a valuation rating of 7 / 10 to NATWEST GROUP PLC -SPON ADR (NWG). This can be considered as Undervalued.


Can you provide the profitability details for NATWEST GROUP PLC -SPON ADR?

NATWEST GROUP PLC -SPON ADR (NWG) has a profitability rating of 4 / 10.


How financially healthy is NATWEST GROUP PLC -SPON ADR?

The financial health rating of NATWEST GROUP PLC -SPON ADR (NWG) is 1 / 10.


Can you provide the expected EPS growth for NWG stock?

The Earnings per Share (EPS) of NATWEST GROUP PLC -SPON ADR (NWG) is expected to grow by 5.73% in the next year.