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RAIFFEISEN BANK INTERNATIONA (RAW.DE) Stock Fundamental Analysis

FRA:RAW - AT0000606306 - Common Stock

29.2 EUR
0 (0%)
Last: 8/26/2025, 7:00:00 PM
Fundamental Rating

2

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. Both the profitability and financial health of RAW have multiple concerns. RAW has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year RAW has reported negative net income.
In the past year RAW has reported a negative cash flow from operations.
In the past 5 years RAW has always been profitable.
In multiple years RAW reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

1.2 Ratios

With a Return On Assets value of -0.07%, RAW is not doing good in the industry: 91.58% of the companies in the same industry are doing better.
The Return On Equity of RAW (-0.67%) is worse than 91.58% of its industry peers.
Industry RankSector 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
RAW.DE Yearly ROA, ROE, ROICRAW.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

In the last couple of years the Profit Margin of RAW has declined.
RAW does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
RAW.DE Yearly Profit, Operating, Gross MarginsRAW.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

RAW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RAW has about the same amount of shares outstanding.
Compared to 5 years ago, RAW has about the same amount of shares outstanding.
The debt/assets ratio for RAW is higher compared to a year ago.
RAW.DE Yearly Shares OutstandingRAW.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
RAW.DE Yearly Total Debt VS Total AssetsRAW.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

2.2 Solvency

A Debt/Equity ratio of 1.23 is on the high side and indicates that RAW has dependencies on debt financing.
The Debt to Equity ratio of RAW (1.23) is better than 69.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.2%
RAW.DE Yearly LT Debt VS Equity VS FCFRAW.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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3

3. Growth

3.1 Past

RAW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -124.16%.
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.
Looking at the last year, RAW shows a small growth in Revenue. The Revenue has grown by 5.23% in the last 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)-124.16%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-192.23%
Revenue 1Y (TTM)5.23%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%-3.21%

3.2 Future

Based on estimates for the next years, RAW will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.22% on average per year.
The Revenue is expected to decrease by -3.71% on average over the next years.
EPS Next Y50.77%
EPS Next 2Y32.09%
EPS Next 3Y20.2%
EPS Next 5Y8.22%
Revenue Next Year-0.88%
Revenue Next 2Y-3.35%
Revenue Next 3Y-2.65%
Revenue Next 5Y-3.71%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
RAW.DE Yearly Revenue VS EstimatesRAW.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RAW. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 4.85, the valuation of RAW can be described as very cheap.
Based on the Price/Forward Earnings ratio, RAW is valued cheaply inside the industry as 97.89% of the companies are valued more expensively.
RAW is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 4.85
RAW.DE Price Earnings VS Forward Price EarningsRAW.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RAW.DE Per share dataRAW.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
RAW's earnings are expected to grow with 20.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.09%
EPS Next 3Y20.2%

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6

5. Dividend

5.1 Amount

RAW has a Yearly Dividend Yield of 5.25%, which is a nice return.
RAW's Dividend Yield is comparable with the industry average which is at 4.83.
RAW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector 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
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

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 2Y32.09%
EPS Next 3Y20.2%
RAW.DE Yearly Income VS Free CF VS DividendRAW.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

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RAIFFEISEN BANK INTERNATIONA

FRA:RAW (8/26/2025, 7:00:00 PM)

29.2

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)10-30 2025-10-30
Inst Owners10.71%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap9.61B
Analysts77.33
Price Target28.14 (-3.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)7.48%
PT rev (3m)10.04%
EPS NQ rev (1m)71.06%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-14.48%
EPS NY rev (3m)-14.48%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.79%
Revenue NY rev (3m)2.79%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.85
P/S 0.89
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)-1.72
EYN/A
EPS(NY)6.02
Fwd EY20.62%
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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC11.2%
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)-124.16%
EPS 3Y-4%
EPS 5Y-0.51%
EPS Q2Q%-192.23%
EPS Next Y50.77%
EPS Next 2Y32.09%
EPS Next 3Y20.2%
EPS Next 5Y8.22%
Revenue 1Y (TTM)5.23%
Revenue growth 3Y14.63%
Revenue growth 5Y7.9%
Sales Q2Q%-3.21%
Revenue Next Year-0.88%
Revenue Next 2Y-3.35%
Revenue Next 3Y-2.65%
Revenue Next 5Y-3.71%
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