RAIFFEISEN BANK INTERNATIONA (RAW.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:RAW - AT0000606306 - Common Stock
38.18 EUR
+0.24 (+0.63%)
Overall RAW gets a fundamental rating of 3 out of 10. We evaluated RAW against 102 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. RAW also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RAW had negative earnings in the past year.
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
Looking at the Return On Assets, with a value of -0.05%, RAW is doing worse than 91.18% of the companies in the same industry.
The Return On Equity of RAW (-0.53%) is worse than 91.18% 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.
Compared to 5 years ago, RAW has about the same amount of shares outstanding.
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.
The Debt to FCF ratio of RAW (4.92) is better than 90.20% of its industry peers.
RAW has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.
RAW's Debt to Equity ratio of 1.27 is fine compared to the rest of the industry. RAW outperforms 68.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RAW have decreased strongly by -128.91% in the last year.
The Earnings Per Share has been decreasing by -0.51% on average over the past years.
RAW shows a small growth in Revenue. In the last year, the Revenue has grown by 0.15%.
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
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.
The Revenue is expected to decrease by -2.34% on average over the next years.
EPS Next Y26.51%
EPS Next 2Y33.61%
EPS Next 3Y22.65%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
RAW reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
RAW is valuated cheaply with a Price/Forward Earnings ratio of 6.20.
98.04% of the companies in the same industry are more expensive than RAW, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.13. RAW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.2 |
4.2 Price Multiples
RAW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RAW is cheaper than 92.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.34 | ||
| EV/EBITDA | N/A |
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 22.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.61%
EPS Next 3Y22.65%
5. Dividend
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 4.31.
RAW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
5.2 History
The dividend of RAW is nicely growing with an annual growth rate of 7.08%!
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.
RAW's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-433.64%
EPS Next 2Y33.61%
EPS Next 3Y22.65%
FRA:RAW (12/30/2025, 7:00:00 PM)
38.18
+0.24 (+0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.58%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.56B
Revenue(TTM)10.58B
Net Income(TTM)-110.00M
Analysts80
Price Target31.74 (-16.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
Yearly Dividend1.57
Dividend Growth(5Y)7.08%
DP-433.64%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-131.2%
Min EPS beat(2)-281.69%
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)29.78%
Min Revenue beat(2)15.71%
Max Revenue beat(2)43.86%
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)3.29%
PT rev (3m)13.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.38%
EPS NY rev (1m)1.13%
EPS NY rev (3m)9.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.62%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.2 | ||
| P/S | 1.19 | ||
| P/FCF | 2.34 | ||
| P/OCF | 2.14 | ||
| P/B | 0.6 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)-2.05
EYN/A
EPS(NY)6.16
Fwd EY16.13%
FCF(TTM)16.29
FCFY42.65%
OCF(TTM)17.81
OCFY46.64%
SpS32.17
BVpS63.11
TBVpS59.93
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.05% | ||
| ROE | -0.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 50.62% |
ROA(3y)1.13%
ROA(5y)0.9%
ROE(3y)12.58%
ROE(5y)10.4%
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-18.42%
PM growth 5Y-9.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.27 | ||
| Debt/FCF | 4.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 105.03% | ||
| Cap/Sales | 4.73% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.14%
ROIC/WACCN/A
Cap/Depr(3y)104.48%
Cap/Depr(5y)104.68%
Cap/Sales(3y)5.12%
Cap/Sales(5y)5.94%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-128.91%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-13.31%
EPS Next Y26.51%
EPS Next 2Y33.61%
EPS Next 3Y22.65%
EPS Next 5Y8.56%
Revenue 1Y (TTM)0.15%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%3.35%
Revenue Next Year0.21%
Revenue Next 2Y-2.73%
Revenue Next 3Y-1.88%
Revenue Next 5Y-2.34%
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 1Y1015.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30731.6%
OCF growth 3YN/A
OCF growth 5YN/A
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.