RAIFFEISEN BANK INTERNATIONA (RAW.DE) Stock Fundamental Analysis
Europe - FRA:RAW - AT0000606306 - Common Stock
31.04 EUR
+0.06 (+0.19%)
Taking everything into account, RAW scores 2 out of 10 in our fundamental rating. RAW was compared to 95 industry peers in the Banks industry. RAW has a bad profitability rating. Also its financial health evaluation is rather negative. RAW is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
RAW had negative earnings in the past year.
RAW had a negative operating cash flow in the past year.
RAW had positive earnings in each of the past 5 years.
In multiple years RAW reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of -0.07%, RAW is not doing good in the industry: 93.68% of the companies in the same industry are doing better.
With a Return On Equity value of -0.67%, RAW is not doing good in the industry: 93.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.07% | ||
| ROE | -0.67% | ||
| 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.
RAW has about the same amout of shares outstanding than it did 1 year ago.
RAW has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, RAW has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 1.23 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 1.23, RAW is in the better half of the industry, outperforming 71.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.98%
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 -151.07%.
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.
RAW shows a decrease in Revenue. In the last year, the revenue decreased by -2.45%.
The Revenue has been growing slightly by 7.90% on average over the past years.
EPS 1Y (TTM)-151.07%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-76.74%
Revenue 1Y (TTM)-2.45%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%3.98%
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 8.15% yearly.
Based on estimates for the next years, RAW will show a decrease in Revenue. The Revenue will decrease by -3.79% on average per year.
EPS Next Y15.4%
EPS Next 2Y29.78%
EPS Next 3Y18.89%
EPS Next 5Y8.15%
Revenue Next Year0.35%
Revenue Next 2Y-2.98%
Revenue Next 3Y-2.33%
Revenue Next 5Y-3.79%
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
The Price/Earnings Ratio is negative for RAW. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 5.34, the valuation of RAW can be described as very cheap.
Based on the Price/Forward Earnings ratio, RAW is valued cheaper than 96.84% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.35, RAW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.34 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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 18.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.78%
EPS Next 3Y18.89%
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 4.84.
RAW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| 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
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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP-355.64%
EPS Next 2Y29.78%
EPS Next 3Y18.89%
FRA:RAW (11/5/2025, 7:00:00 PM)
31.04
+0.06 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.6%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.21B
Revenue(TTM)9.85B
Net Income(TTM)-133000000
Analysts77.33
Price Target30.36 (-2.19%)
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-355.64%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)8.21%
PT rev (3m)15.98%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)71.59%
EPS NY rev (1m)0%
EPS NY rev (3m)-34.55%
Revenue NQ rev (1m)-14.18%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.34 | ||
| P/S | 0.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.51 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.63
EYN/A
EPS(NY)5.81
Fwd EY18.72%
FCF(TTM)-5.09
FCFYN/A
OCF(TTM)-3.47
OCFYN/A
SpS32.8
BVpS60.51
TBVpS57.41
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.07% | ||
| ROE | -0.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 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
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-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 112.71% | ||
| Cap/Sales | 4.93% | ||
| 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-Score3
WACC10.98%
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)-151.07%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-76.74%
EPS Next Y15.4%
EPS Next 2Y29.78%
EPS Next 3Y18.89%
EPS Next 5Y8.15%
Revenue 1Y (TTM)-2.45%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%3.98%
Revenue Next Year0.35%
Revenue Next 2Y-2.98%
Revenue Next 3Y-2.33%
Revenue Next 5Y-3.79%
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 1Y-146.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-127.4%
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 2 / 10 to RAW.DE.
What is the valuation status for RAW stock?
ChartMill assigns a valuation rating of 4 / 10 to RAIFFEISEN BANK INTERNATIONA (RAW.DE). This can be considered as Fairly Valued.
What is the profitability of RAW stock?
RAIFFEISEN BANK INTERNATIONA (RAW.DE) has a profitability rating of 1 / 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 15.4% in the next year.