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EURAZEO SE (RF.PA) Stock Fundamental Analysis

EPA:RF - Euronext Paris - Matif - FR0000121121 - Common Stock - Currency: EUR

59.2  -0.65 (-1.09%)

Fundamental Rating

4

Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 47 industry peers in the Financial Services industry. Both the profitability and financial health of RF have multiple concerns. RF is not valued too expensively and it also shows a decent growth rate. RF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year RF has reported negative net income.
In the past year RF had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: RF reported negative net income in multiple years.
Of the past 5 years RF 4 years had a positive operating cash flow.
RF.PA Yearly Net Income VS EBIT VS OCF VS FCFRF.PA 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 500M 1B 1.5B

1.2 Ratios

Looking at the Return On Assets, with a value of -4.56%, RF is doing worse than 82.98% of the companies in the same industry.
The Return On Equity of RF (-5.92%) is worse than 80.85% of its industry peers.
With a Return On Invested Capital value of 0.41%, RF is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for RF is significantly below the industry average of 11.50%.
Industry RankSector Rank
ROA -4.56%
ROE -5.92%
ROIC 0.41%
ROA(3y)5.76%
ROA(5y)5.15%
ROE(3y)8.59%
ROE(5y)9.57%
ROIC(3y)0.53%
ROIC(5y)N/A
RF.PA Yearly ROA, ROE, ROICRF.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

With a Operating Margin value of 11.38%, RF perfoms like the industry average, outperforming 51.06% of the companies in the same industry.
RF's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 74.73%, RF is doing good in the industry, outperforming 68.09% of the companies in the same industry.
In the last couple of years the Gross Margin of RF has grown nicely.
Industry RankSector Rank
OM 11.38%
PM (TTM) N/A
GM 74.73%
OM growth 3Y59.9%
OM growth 5Y39.89%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.97%
GM growth 5Y5.4%
RF.PA Yearly Profit, Operating, Gross MarginsRF.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 400

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RF is destroying value.
RF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for RF has been reduced compared to 5 years ago.
Compared to 1 year ago, RF has a worse debt to assets ratio.
RF.PA Yearly Shares OutstandingRF.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
RF.PA Yearly Total Debt VS Total AssetsRF.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

An Altman-Z score of 2.26 indicates that RF is not a great score, but indicates only limited risk for bankruptcy at the moment.
RF has a Altman-Z score (2.26) which is in line with its industry peers.
The Debt to FCF ratio of RF is 28.28, which is on the high side as it means it would take RF, 28.28 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 28.28, RF is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
RF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.04, RF belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 28.28
Altman-Z 2.26
ROIC/WACC0.06
WACC7.33%
RF.PA Yearly LT Debt VS Equity VS FCFRF.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

A Current Ratio of 0.26 indicates that RF may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.26, RF is doing worse than 70.21% of the companies in the same industry.
RF has a Quick Ratio of 0.26. This is a bad value and indicates that RF is not financially healthy enough and could expect problems in meeting its short term obligations.
RF has a Quick ratio of 0.26. This is in the lower half of the industry: RF underperforms 70.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
RF.PA Yearly Current Assets VS Current LiabilitesRF.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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5

3. Growth

3.1 Past

RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -123.74%.
RF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.52%.
Measured over the past years, RF shows a very negative growth in Revenue. The Revenue has been decreasing by -39.38% on average per year.
EPS 1Y (TTM)-123.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1276.75%
Revenue 1Y (TTM)11.52%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%17.43%

3.2 Future

RF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 217.08% yearly.
The Revenue is expected to grow by 61.38% on average over the next years. This is a very strong growth
EPS Next Y1360.88%
EPS Next 2Y492.2%
EPS Next 3Y217.08%
EPS Next 5YN/A
Revenue Next Year3.52%
Revenue Next 2Y194.59%
Revenue Next 3Y61.38%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
RF.PA Yearly Revenue VS EstimatesRF.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
RF.PA Yearly EPS VS EstimatesRF.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10 15

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RF. In the last year negative earnings were reported.
RF is valuated cheaply with a Price/Forward Earnings ratio of 7.51.
RF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RF is cheaper than 78.72% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (22.19), we can say RF is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 7.51
RF.PA Price Earnings VS Forward Price EarningsRF.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RF is valued a bit more expensive than 63.83% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RF is valued a bit more expensive than 61.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 85.37
EV/EBITDA 79.7
RF.PA Per share dataRF.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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.
A more expensive valuation may be justified as RF's earnings are expected to grow with 217.08% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y492.2%
EPS Next 3Y217.08%

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7

5. Dividend

5.1 Amount

RF has a Yearly Dividend Yield of 4.37%, which is a nice return.
RF's Dividend Yield is a higher than the industry average which is at 4.00.
Compared to an average S&P500 Dividend Yield of 2.40, RF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.37%

5.2 History

The dividend of RF is nicely growing with an annual growth rate of 15.31%!
Dividend Growth(5Y)15.31%
Div Incr Years4
Div Non Decr Years6
RF.PA Yearly Dividends per shareRF.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

RF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
RF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-41.54%
EPS Next 2Y492.2%
EPS Next 3Y217.08%
RF.PA Yearly Income VS Free CF VS DividendRF.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

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EURAZEO SE

EPA:RF (6/19/2025, 3:05:18 PM)

59.2

-0.65 (-1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-09 2025-05-09
Earnings (Next)07-24 2025-07-24
Inst Owners15.88%
Inst Owner ChangeN/A
Ins Owners0.42%
Ins Owner ChangeN/A
Market Cap4.33B
Analysts84
Price Target89.25 (50.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
Yearly Dividend2.45
Dividend Growth(5Y)15.31%
DP-41.54%
Div Incr Years4
Div Non Decr Years6
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)-3.39%
PT rev (3m)-7.2%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.34%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.51
P/S 11.29
P/FCF 85.37
P/OCF 62.83
P/B 0.6
P/tB 0.62
EV/EBITDA 79.7
EPS(TTM)-5.98
EYN/A
EPS(NY)7.88
Fwd EY13.32%
FCF(TTM)0.69
FCFY1.17%
OCF(TTM)0.94
OCFY1.59%
SpS5.24
BVpS99.31
TBVpS94.88
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.56%
ROE -5.92%
ROCE 0.55%
ROIC 0.41%
ROICexc 0.41%
ROICexgc 0.43%
OM 11.38%
PM (TTM) N/A
GM 74.73%
FCFM 13.22%
ROA(3y)5.76%
ROA(5y)5.15%
ROE(3y)8.59%
ROE(5y)9.57%
ROIC(3y)0.53%
ROIC(5y)N/A
ROICexc(3y)0.55%
ROICexc(5y)N/A
ROICexgc(3y)0.8%
ROICexgc(5y)N/A
ROCE(3y)0.72%
ROCE(5y)N/A
ROICexcg growth 3Y-33.59%
ROICexcg growth 5Y-23.63%
ROICexc growth 3Y-18.81%
ROICexc growth 5Y-10.13%
OM growth 3Y59.9%
OM growth 5Y39.89%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.97%
GM growth 5Y5.4%
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 28.28
Debt/EBITDA 3.89
Cap/Depr 66.5%
Cap/Sales 4.74%
Interest Coverage 0.57
Cash Conversion 97.04%
Profit Quality N/A
Current Ratio 0.26
Quick Ratio 0.26
Altman-Z 2.26
F-Score5
WACC7.33%
ROIC/WACC0.06
Cap/Depr(3y)208.23%
Cap/Depr(5y)141.26%
Cap/Sales(3y)6%
Cap/Sales(5y)6.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-123.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1276.75%
EPS Next Y1360.88%
EPS Next 2Y492.2%
EPS Next 3Y217.08%
EPS Next 5YN/A
Revenue 1Y (TTM)11.52%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%17.43%
Revenue Next Year3.52%
Revenue Next 2Y194.59%
Revenue Next 3Y61.38%
Revenue Next 5YN/A
EBIT growth 1Y-97.65%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year418.57%
EBIT Next 3Y123.07%
EBIT Next 5YN/A
FCF growth 1Y288.64%
FCF growth 3Y-3.65%
FCF growth 5Y-23.79%
OCF growth 1Y581.68%
OCF growth 3Y-39.85%
OCF growth 5Y-32.17%