RAIFFEISEN BANK INTERNATIONA (RAW.DE) Fundamental Analysis & Valuation

FRA:RAW • AT0000606306

Current stock price

46.28 EUR
+0.4 (+0.87%)
Last:

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

2

1. RAW.DE Profitability Analysis

1.1 Basic Checks

  • In the past year RAW was profitable.
  • RAW had a positive operating cash flow in the past year.
  • In the past 5 years RAW has always been profitable.
  • In multiple years RAW reported negative operating cash flow during the last 5 years.
RAW.DE Yearly Net Income VS EBIT VS OCF VS FCFRAW.DE 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

  • The Return On Assets of RAW (0.60%) is worse than 62.73% of its industry peers.
  • RAW's Return On Equity of 5.95% is on the low side compared to the rest of the industry. RAW is outperformed by 72.73% of its industry peers.
Industry RankSector Rank
ROA 0.6%
ROE 5.95%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.93%
ROE(3y)7.89%
ROE(5y)10.51%
ROIC(3y)N/A
ROIC(5y)N/A
RAW.DE Yearly ROA, ROE, ROICRAW.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • RAW has a worse Profit Margin (11.78%) than 87.27% of its industry peers.
  • RAW's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for RAW so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 11.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-27.69%
PM growth 5Y-0.18%
GM growth 3YN/A
GM growth 5YN/A
RAW.DE Yearly Profit, Operating, Gross MarginsRAW.DE 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. RAW.DE Health Analysis

2.1 Basic Checks

  • RAW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for RAW remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, RAW has less shares outstanding
  • RAW has a better debt/assets ratio than last year.
RAW.DE Yearly Shares OutstandingRAW.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
RAW.DE Yearly Total Debt VS Total AssetsRAW.DE 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

  • RAW has a debt to FCF ratio of 2.93. This is a good value and a sign of high solvency as RAW would need 2.93 years to pay back of all of its debts.
  • RAW's Debt to FCF ratio of 2.93 is amongst the best of the industry. RAW outperforms 91.82% of its industry peers.
  • A Debt/Equity ratio of 1.19 is on the high side and indicates that RAW has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.19, RAW is in the better half of the industry, outperforming 65.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF 2.93
Altman-Z N/A
ROIC/WACCN/A
WACC8.8%
RAW.DE Yearly LT Debt VS Equity VS FCFRAW.DE 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
RAW.DE Yearly Current Assets VS Current LiabilitesRAW.DE 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

4

3. RAW.DE Growth Analysis

3.1 Past

  • The earnings per share for RAW have decreased strongly by -41.81% in the last year.
  • Measured over the past years, RAW shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.90% on average per year.
  • Looking at the last year, RAW shows a small growth in Revenue. The Revenue has grown by 1.25% in the last year.
  • RAW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.65% yearly.
EPS 1Y (TTM)-41.81%
EPS 3Y-42.95%
EPS 5Y-1.9%
EPS Q2Q%140%
Revenue 1Y (TTM)1.25%
Revenue growth 3Y-2.12%
Revenue growth 5Y11.65%
Sales Q2Q%2.27%

3.2 Future

  • The Earnings Per Share is expected to grow by 26.88% on average over the next years. This is a very strong growth
  • The Revenue is expected to decrease by -1.65% on average over the next years.
EPS Next Y204.14%
EPS Next 2Y81.78%
EPS Next 3Y48.96%
EPS Next 5Y26.88%
Revenue Next Year-3.59%
Revenue Next 2Y-2.44%
Revenue Next 3Y-1.65%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RAW.DE Yearly Revenue VS EstimatesRAW.DE 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
RAW.DE Yearly EPS VS EstimatesRAW.DE 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. RAW.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.02 indicates a rather expensive valuation of RAW.
  • Based on the Price/Earnings ratio, RAW is valued expensively inside the industry as 96.36% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.38. RAW is around the same levels.
  • Based on the Price/Forward Earnings ratio of 7.58, the valuation of RAW can be described as very cheap.
  • RAW's Price/Forward Earnings ratio is rather cheap when compared to the industry. RAW is cheaper than 94.55% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.20, RAW is valued rather cheaply.
Industry RankSector Rank
PE 23.02
Fwd PE 7.58
RAW.DE Price Earnings VS Forward Price EarningsRAW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 94.55% of the companies in the same industry are more expensive than RAW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.79
EV/EBITDA N/A
RAW.DE Per share dataRAW.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • RAW's 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 RAW's earnings are expected to grow with 48.95% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y81.78%
EPS Next 3Y48.96%

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

7

5. RAW.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.25%, RAW is a good candidate for dividend investing.
  • RAW's Dividend Yield is a higher than the industry average which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, RAW pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.25%

5.2 History

  • On average, the dividend of RAW grows each year by 45.41%, which is quite nice.
Dividend Growth(5Y)45.41%
Div Incr Years0
Div Non Decr Years0
RAW.DE Yearly Dividends per shareRAW.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 38.28% of the earnings are spent on dividend by RAW. This is a low number and sustainable payout ratio.
  • The dividend of RAW is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.28%
EPS Next 2Y81.78%
EPS Next 3Y48.96%
RAW.DE Yearly Income VS Free CF VS DividendRAW.DE 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
RAW.DE Dividend Payout.RAW.DE Dividend Payout, showing the Payout Ratio.RAW.DE Dividend Payout.PayoutRetained Earnings

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RAW.DE Fundamentals: All Metrics, Ratios and Statistics

RAIFFEISEN BANK INTERNATIONA

FRA:RAW (4/15/2026, 7:00:00 PM)

46.28

+0.4 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)05-05
Inst Owners14.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap15.22B
Revenue(TTM)10.64B
Net Income(TTM)1.25B
Analysts75.56
Price Target42.71 (-7.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.25%
Yearly Dividend1.46
Dividend Growth(5Y)45.41%
DP38.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.92%
Min EPS beat(2)-39.12%
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)15.67%
Min Revenue beat(2)15.64%
Max Revenue beat(2)15.71%
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)0.92%
PT rev (3m)34.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.1%
EPS NY rev (3m)-0.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.12%
Revenue NY rev (3m)2.6%
Valuation
Industry RankSector Rank
PE 23.02
Fwd PE 7.58
P/S 1.43
P/FCF 1.79
P/OCF 1.68
P/B 0.72
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)2.01
EY4.34%
EPS(NY)6.11
Fwd EY13.19%
FCF(TTM)25.91
FCFY55.99%
OCF(TTM)27.58
OCFY59.59%
SpS32.36
BVpS64.08
TBVpS60.71
PEG (NY)0.11
PEG (5Y)N/A
Graham Number53.8326 (16.32%)
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 5.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.78%
GM N/A
FCFM 80.08%
ROA(3y)0.76%
ROA(5y)0.93%
ROE(3y)7.89%
ROE(5y)10.51%
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-27.69%
PM growth 5Y-0.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.19
Debt/FCF 2.93
Debt/EBITDA N/A
Cap/Depr 107.05%
Cap/Sales 5.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 679.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.8%
ROIC/WACCN/A
Cap/Depr(3y)110.78%
Cap/Depr(5y)106.54%
Cap/Sales(3y)5.43%
Cap/Sales(5y)5.53%
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 Y204.14%
EPS Next 2Y81.78%
EPS Next 3Y48.96%
EPS Next 5Y26.88%
Revenue 1Y (TTM)1.25%
Revenue growth 3Y-2.12%
Revenue growth 5Y11.65%
Sales Q2Q%2.27%
Revenue Next Year-3.59%
Revenue Next 2Y-2.44%
Revenue Next 3Y-1.65%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year0.33%
EBIT Next 3Y4.41%
EBIT Next 5YN/A
FCF growth 1Y847.72%
FCF growth 3Y-25.34%
FCF growth 5Y-9.72%
OCF growth 1Y1510.73%
OCF growth 3Y-24.37%
OCF growth 5Y-9.14%

RAIFFEISEN BANK INTERNATIONA / RAW.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of RAIFFEISEN BANK INTERNATIONA (RAW.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RAW.DE.


What is the valuation status of RAIFFEISEN BANK INTERNATIONA (RAW.DE) stock?

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


How profitable is RAIFFEISEN BANK INTERNATIONA (RAW.DE) stock?

RAIFFEISEN BANK INTERNATIONA (RAW.DE) has a profitability rating of 2 / 10.


What is the expected EPS growth for RAIFFEISEN BANK INTERNATIONA (RAW.DE) stock?

The Earnings per Share (EPS) of RAIFFEISEN BANK INTERNATIONA (RAW.DE) is expected to grow by 204.14% in the next year.


Can you provide the dividend sustainability for RAW stock?

The dividend rating of RAIFFEISEN BANK INTERNATIONA (RAW.DE) is 7 / 10 and the dividend payout ratio is 38.28%.