RAIFFEISEN BANK INTERNATIONA (RAW.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:RAW • AT0000606306
42.76 EUR
+0.3 (+0.71%)
Last: Jan 30, 2026, 07:00 PM
Overall RAW gets a fundamental rating of 3 out of 10. We evaluated RAW against 111 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 it does not seem to be growing. Finally RAW also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year RAW has reported negative net income.
- RAW had a positive operating cash flow in the past year.
- Each year in the past 5 years RAW has been profitable.
- In multiple years RAW reported negative operating cash flow during the last 5 years.
1.2 Ratios
- RAW's Return On Assets of -0.05% is on the low side compared to the rest of the industry. RAW is outperformed by 95.61% of its industry peers.
- The Return On Equity of RAW (-0.53%) is worse than 95.61% 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
- RAW's Profit Margin has declined in the last couple of years.
- RAW does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- RAW has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for RAW remains at a similar level compared to 5 years ago.
- RAW has a worse debt/assets ratio than last year.
2.2 Solvency
- RAW has a debt to FCF ratio of 4.92. This is a neutral value as RAW would need 4.92 years to pay back of all of its debts.
- RAW has a better Debt to FCF ratio (4.92) than 88.60% of its industry peers.
- A Debt/Equity ratio of 1.27 is on the high side and indicates that RAW has dependencies on debt financing.
- RAW has a better Debt to Equity ratio (1.27) than 64.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.93%
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%.
- RAW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.51% yearly.
- Looking at the last year, RAW shows a small growth in Revenue. The Revenue has grown by 0.15% in the last year.
- Measured over the past years, RAW 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%3.35%
3.2 Future
- The Earnings Per Share is expected to grow by 8.56% on average over the next years. This is quite good.
- Based on estimates for the next years, RAW will show a decrease in Revenue. The Revenue will decrease by -2.34% on average per year.
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.
- A Price/Forward Earnings ratio of 7.47 indicates a rather cheap valuation of RAW.
- Based on the Price/Forward Earnings ratio, RAW is valued cheaper than 96.49% of the companies in the same industry.
- RAW is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 7.47 |
4.2 Price Multiples
- 92.11% of the companies in the same industry are more expensive than RAW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.63 | ||
| 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.
- RAW's earnings are expected to grow with 22.11% in the coming years. This may justify a more expensive valuation.
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.
- RAW's Dividend Yield is a higher than the industry average which is at 4.10.
- Compared to an average S&P500 Dividend Yield of 1.83, RAW pays a better dividend.
| 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
- The earnings of RAW are negative and hence is the payout ratio. RAW will probably not be able to sustain this dividend level.
- RAW's earnings are growing more than its dividend. This makes the dividend growth 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.