EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - EPA:RF - FR0000121121 - Common Stock
60.05 EUR
-0.25 (-0.41%)
Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 51 industry peers in the Financial Services industry. Both the profitability and financial health of RF have multiple concerns. RF has a decent growth rate and is not valued too expensively. Finally RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RF has reported negative net income.
RF had a positive operating cash flow in the past year.
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.
1.2 Ratios
RF has a worse Return On Assets (-7.10%) than 82.35% of its industry peers.
RF has a worse Return On Equity (-9.56%) than 78.43% of its industry peers.
The Return On Invested Capital of RF (0.57%) is worse than 66.67% of its industry peers.
RF had an Average Return On Invested Capital over the past 3 years of 0.53%. This is significantly below the industry average of 10.03%.
The last Return On Invested Capital (0.57%) for RF is above the 3 year average (0.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.1% | ||
| ROE | -9.56% | ||
| ROIC | 0.57% |
ROA(3y)5.76%
ROA(5y)5.15%
ROE(3y)8.59%
ROE(5y)9.57%
ROIC(3y)0.53%
ROIC(5y)N/A
1.3 Margins
Looking at the Operating Margin, with a value of 14.07%, RF is in line with its industry, outperforming 56.86% of the companies in the same industry.
RF's Operating Margin has improved in the last couple of years.
RF has a better Gross Margin (75.72%) than 70.59% of its industry peers.
RF's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.07% | ||
| PM (TTM) | N/A | ||
| GM | 75.72% |
OM growth 3Y59.9%
OM growth 5Y39.89%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.97%
GM growth 5Y5.4%
2. Health
2.1 Basic Checks
RF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for RF has been reduced compared to 1 year ago.
Compared to 5 years ago, RF has less shares outstanding
RF has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.11 indicates that RF is not a great score, but indicates only limited risk for bankruptcy at the moment.
RF has a Altman-Z score of 2.11. This is comparable to the rest of the industry: RF outperforms 58.82% of its industry peers.
The Debt to FCF ratio of RF is 13.86, which is on the high side as it means it would take RF, 13.86 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of RF (13.86) is comparable to the rest of the industry.
RF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
RF has a better Debt to Equity ratio (0.04) than 84.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 2.11 |
ROIC/WACC0.08
WACC7.42%
2.3 Liquidity
RF has a Current Ratio of 0.28. 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 worse Current ratio (0.28) than 82.35% of its industry peers.
A Quick Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.28, RF is doing worse than 82.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -754.01%.
The Revenue has grown by 12.21% in the past year. This is quite good.
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)-754.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
Revenue 1Y (TTM)12.21%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%7.23%
3.2 Future
RF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 203.49% yearly.
The Revenue is expected to grow by 95.26% on average over the next years. This is a very strong growth
EPS Next Y585.5%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y95.26%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for RF. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 5.18 indicates a rather cheap valuation of RF.
92.16% of the companies in the same industry are more expensive than RF, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.87. RF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RF indicates a slightly more expensive valuation: RF is more expensive than 62.75% of the companies listed in the same industry.
RF's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.3 | ||
| EV/EBITDA | 68.55 |
4.3 Compensation for Growth
RF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
RF's earnings are expected to grow with 203.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y363.43%
EPS Next 3Y203.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.41%, RF is a good candidate for dividend investing.
RF's Dividend Yield is rather good when compared to the industry average which is at 3.47. RF pays more dividend than 84.31% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
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
5.3 Sustainability
The earnings of RF are negative and hence is the payout ratio. RF will probably not be able to sustain this dividend level.
The dividend of RF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-29.64%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPA:RF (10/29/2025, 5:29:46 PM)
60.05
-0.25 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.51%
Inst Owner ChangeN/A
Ins Owners0.42%
Ins Owner ChangeN/A
Market Cap4.39B
Revenue(TTM)396.37M
Net Income(TTM)-633916000
Analysts82.67
Price Target82.47 (37.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.41% |
Yearly Dividend2.45
Dividend Growth(5Y)15.31%
DP-29.64%
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)0%
PT rev (3m)-9.29%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-53.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.18 | ||
| P/S | 11.07 | ||
| P/FCF | 37.3 | ||
| P/OCF | 36.24 | ||
| P/B | 0.66 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | 68.55 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.59
Fwd EY19.3%
FCF(TTM)1.61
FCFY2.68%
OCF(TTM)1.66
OCFY2.76%
SpS5.42
BVpS90.72
TBVpS86.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.1% | ||
| ROE | -9.56% | ||
| ROCE | 0.78% | ||
| ROIC | 0.57% | ||
| ROICexc | 0.59% | ||
| ROICexgc | 0.62% | ||
| OM | 14.07% | ||
| PM (TTM) | N/A | ||
| GM | 75.72% | ||
| FCFM | 29.69% |
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
ROICexgc growth 3Y-33.59%
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Debt/EBITDA | 3.27 | ||
| Cap/Depr | 12.52% | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | 0.68 | ||
| Cash Conversion | 145.68% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 2.11 |
F-Score5
WACC7.42%
ROIC/WACC0.08
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)-754.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
EPS Next Y585.5%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPS Next 5YN/A
Revenue 1Y (TTM)12.21%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%7.23%
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y95.26%
Revenue Next 5YN/A
EBIT growth 1Y95.72%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year-132.97%
EBIT Next 3Y88.9%
EBIT Next 5YN/A
FCF growth 1Y186.37%
FCF growth 3Y-3.65%
FCF growth 5Y-23.79%
OCF growth 1Y-60.67%
OCF growth 3Y-39.85%
OCF growth 5Y-32.17%
EURAZEO SE / RF.PA FAQ
What is the fundamental rating for RF stock?
ChartMill assigns a fundamental rating of 4 / 10 to RF.PA.
Can you provide the valuation status for EURAZEO SE?
ChartMill assigns a valuation rating of 5 / 10 to EURAZEO SE (RF.PA). This can be considered as Fairly Valued.
What is the profitability of RF stock?
EURAZEO SE (RF.PA) has a profitability rating of 3 / 10.
How financially healthy is EURAZEO SE?
The financial health rating of EURAZEO SE (RF.PA) is 3 / 10.
Can you provide the expected EPS growth for RF stock?
The Earnings per Share (EPS) of EURAZEO SE (RF.PA) is expected to grow by 585.5% in the next year.