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

FRA:RAW • AT0000606306

37.94 EUR
-0.96 (-2.47%)
Last: Mar 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

4

RAW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 116 industry peers in the Banks industry. Both the profitability and financial health of RAW have multiple concerns. RAW is not valued too expensively and it also shows a decent growth rate. RAW also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. RAW.DE Profitability Analysis

1.1 Basic Checks

  • RAW had positive earnings in the past year.
  • RAW had a positive operating cash flow in the past year.
  • 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.
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 63.79% 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 73.28% 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 89.66% 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.
  • RAW has about the same amout of shares outstanding than it did 1 year ago.
  • RAW has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RAW has been reduced compared to a year ago.
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 has a better Debt to FCF ratio (2.93) than 93.10% 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 63.79% 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
WACC8.93%
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

  • RAW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.81%.
  • The Earnings Per Share has been decreasing by -1.90% on average over the past years.
  • Looking at the last year, RAW shows a small growth in Revenue. The Revenue has grown by 1.25% in the last year.
  • The Revenue has been growing by 11.65% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, RAW will show a very strong growth in Earnings Per Share. The EPS will grow by 26.88% on average per year.
  • Based on estimates for the next years, RAW will show a decrease in Revenue. The Revenue will decrease by -1.97% on average per year.
EPS Next Y189.38%
EPS Next 2Y78.27%
EPS Next 3Y45.56%
EPS Next 5Y26.88%
Revenue Next Year-5.59%
Revenue Next 2Y-3.11%
Revenue Next 3Y-1.97%
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

  • The Price/Earnings ratio is 18.88, which indicates a rather expensive current valuation of RAW.
  • Based on the Price/Earnings ratio, RAW is valued more expensive than 93.97% of the companies in the same industry.
  • RAW is valuated rather cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 6.53 indicates a rather cheap valuation of RAW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RAW indicates a rather cheap valuation: RAW is cheaper than 97.41% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, RAW is valued rather cheaply.
Industry RankSector Rank
PE 18.88
Fwd PE 6.53
RAW.DE Price Earnings VS Forward Price EarningsRAW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RAW indicates a rather cheap valuation: RAW is cheaper than 94.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.46
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 45.55% in the coming years.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y78.27%
EPS Next 3Y45.56%

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

7

5. RAW.DE Dividend Analysis

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 4.56, RAW pays a bit more dividend than its industry peers.
  • 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

  • The dividend of RAW is nicely growing with an annual growth rate of 45.41%!
Dividend Growth(5Y)45.41%
Div Incr Years1
Div Non Decr Years1
RAW.DE Yearly Dividends per shareRAW.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • RAW pays out 38.28% of its income as dividend. This is a 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 2Y78.27%
EPS Next 3Y45.56%
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

More info and screens

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RAW.DE Fundamentals: All Metrics, Ratios and Statistics

RAIFFEISEN BANK INTERNATIONA

FRA:RAW (3/12/2026, 7:00:00 PM)

37.94

-0.96 (-2.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)05-05
Inst Owners13.8%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap12.48B
Revenue(TTM)10.64B
Net Income(TTM)1.25B
Analysts75.56
Price Target42.32 (11.54%)
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 Years1
Div Non Decr Years1
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)7.66%
PT rev (3m)33.31%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.42%
EPS NY rev (3m)2.92%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)0.06%
Valuation
Industry RankSector Rank
PE 18.88
Fwd PE 6.53
P/S 1.17
P/FCF 1.46
P/OCF 1.38
P/B 0.59
P/tB 0.62
EV/EBITDA N/A
EPS(TTM)2.01
EY5.3%
EPS(NY)5.81
Fwd EY15.31%
FCF(TTM)25.91
FCFY68.3%
OCF(TTM)27.58
OCFY72.68%
SpS32.36
BVpS64.08
TBVpS60.71
PEG (NY)0.1
PEG (5Y)N/A
Graham Number53.83
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
WACC8.93%
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 Y189.38%
EPS Next 2Y78.27%
EPS Next 3Y45.56%
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-5.59%
Revenue Next 2Y-3.11%
Revenue Next 3Y-1.97%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year0.35%
EBIT Next 3Y4.46%
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 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.


Can you provide the profitability details for RAIFFEISEN BANK INTERNATIONA?

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


What is the valuation of RAIFFEISEN BANK INTERNATIONA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for RAIFFEISEN BANK INTERNATIONA (RAW.DE) is 18.88 and the Price/Book (PB) ratio is 0.59.


How financially healthy is RAIFFEISEN BANK INTERNATIONA?

The financial health rating of RAIFFEISEN BANK INTERNATIONA (RAW.DE) is 3 / 10.