RAIFFEISEN BANK INTERNATIONA (RAW.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:RAW - AT0000606306 - Common Stock
39.16 EUR
-0.46 (-1.16%)
Overall RAW gets a fundamental rating of 3 out of 10. We evaluated RAW against 114 industry peers in the Banks industry. RAW has a bad profitability rating. Also its financial health evaluation is rather negative. RAW has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally RAW also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year RAW has reported negative net income.
- In the past year RAW had a positive cash flow from operations.
- RAW had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: RAW reported negative operating cash flow in multiple years.
1.2 Ratios
- RAW has a worse Return On Assets (-0.05%) than 96.40% of its industry peers.
- RAW has a worse Return On Equity (-0.53%) than 96.40% 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 RAW has declined.
- The Profit Margin and Operating Margin and Gross Margin are not available for RAW 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
- 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 about the same amount of shares outstanding.
- Compared to 1 year ago, RAW has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of RAW is 4.92, which is a neutral value as it means it would take RAW, 4.92 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.92, RAW belongs to the top of the industry, outperforming 90.09% of the companies in the same industry.
- RAW has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
- With a decent Debt to Equity ratio value of 1.27, RAW is doing good in the industry, outperforming 66.67% 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
WACC11.05%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RAW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.91%.
- Measured over the past years, RAW shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.51% on average per year.
- The Revenue has been growing slightly by 0.15% in the past year.
- RAW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.90% yearly.
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%3.35%
3.2 Future
- RAW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.56% yearly.
- RAW is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.34% yearly.
EPS Next Y21.09%
EPS Next 2Y28.85%
EPS Next 3Y22.11%
EPS Next 5Y8.56%
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
- The Price/Earnings Ratio is negative for RAW. In the last year negative earnings were reported.
- RAW is valuated cheaply with a Price/Forward Earnings ratio of 6.84.
- Based on the Price/Forward Earnings ratio, RAW is valued cheaper than 97.30% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, RAW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.84 |
4.2 Price Multiples
- RAW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RAW is cheaper than 93.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.4 | ||
| 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 RAW's earnings are expected to grow with 22.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.85%
EPS Next 3Y22.11%
5. Dividend
5.1 Amount
- RAW has a Yearly Dividend Yield of 5.25%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.93, RAW pays a bit more dividend than its industry peers.
- RAW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
5.2 History
- On average, the dividend of RAW grows each year by 7.08%, which is quite nice.
Dividend Growth(5Y)7.08%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- RAW has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- The dividend of RAW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-433.64%
EPS Next 2Y28.85%
EPS Next 3Y22.11%
RAIFFEISEN BANK INTERNATIONA / RAW.DE FAQ
What is the ChartMill fundamental rating of RAIFFEISEN BANK INTERNATIONA (RAW.DE) stock?
ChartMill assigns a fundamental rating of 3 / 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.
Can you provide the profitability details for RAIFFEISEN BANK INTERNATIONA?
RAIFFEISEN BANK INTERNATIONA (RAW.DE) has a profitability rating of 1 / 10.
How financially healthy is RAIFFEISEN BANK INTERNATIONA?
The financial health rating of RAIFFEISEN BANK INTERNATIONA (RAW.DE) is 3 / 10.