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EURAZEO SE (RF.PA) Stock Fundamental Analysis

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

70.65  +0.2 (+0.28%)

Fundamental Rating

3

RF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. Both the profitability and financial health of RF have multiple concerns. RF is valued expensive and it does not seem to be growing.


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 has reported a negative cash flow from operations.
Of the past 5 years RF 4 years were profitable.
RF had a positive operating cash flow in 4 of the past 5 years.
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 0 500M 1B 1.5B

1.2 Ratios

RF has a worse Return On Assets (-0.81%) than 72.00% of its industry peers.
RF has a Return On Equity of -1.01%. This is in the lower half of the industry: RF underperforms 70.00% of its industry peers.
RF has a worse Return On Invested Capital (0.25%) than 64.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for RF is significantly below the industry average of 11.19%.
Industry RankSector Rank
ROA -0.81%
ROE -1.01%
ROIC 0.25%
ROA(3y)10.49%
ROA(5y)6.22%
ROE(3y)19.06%
ROE(5y)11.2%
ROIC(3y)0.65%
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 0 10 20

1.3 Margins

RF's Profit Margin has improved in the last couple of years.
RF has a Operating Margin (8.07%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of RF has grown nicely.
Looking at the Gross Margin, with a value of 73.64%, RF is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
RF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.07%
PM (TTM) N/A
GM 73.64%
OM growth 3YN/A
OM growth 5Y35.25%
PM growth 3YN/A
PM growth 5Y148.33%
GM growth 3Y5.5%
GM growth 5Y6.26%
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 0 100 200 300 400 500

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RF is destroying value.
Compared to 1 year ago, RF has less shares outstanding
RF has less shares outstanding than it did 5 years ago.
RF has a better debt/assets ratio than last year.
RF.PA Yearly Shares OutstandingRF.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 5B 10B 15B

2.2 Solvency

RF has an Altman-Z score of 2.67. This is not the best score and indicates that RF is in the grey zone with still only limited risk for bankruptcy at the moment.
RF has a better Altman-Z score (2.67) than 68.00% of its industry peers.
RF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, RF belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Altman-Z 2.67
ROIC/WACC0.04
WACC5.99%
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 0 2B 4B 6B 8B

2.3 Liquidity

RF has a Current Ratio of 0.35. 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 (0.35) than 74.00% of its industry peers.
RF has a Quick Ratio of 0.35. 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 Quick ratio (0.35) than 74.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.35
Quick Ratio 0.35
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 1B 2B 3B

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3

3. Growth

3.1 Past

RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -103.05%.
The Earnings Per Share has been growing by 49.78% on average over the past years. This is a very strong growth
The Revenue for RF has decreased by -85.97% in the past year. This is quite bad
Measured over the past years, RF shows a very negative growth in Revenue. The Revenue has been decreasing by -39.85% on average per year.
EPS 1Y (TTM)-103.05%
EPS 3YN/A
EPS 5Y49.78%
EPS Q2Q%-105.77%
Revenue 1Y (TTM)-85.97%
Revenue growth 3Y-54.55%
Revenue growth 5Y-39.85%
Sales Q2Q%5.57%

3.2 Future

RF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.34% yearly.
Based on estimates for the next years, RF will show a decrease in Revenue. The Revenue will decrease by -2.95% on average per year.
EPS Next Y-83.99%
EPS Next 2Y13.53%
EPS Next 3Y44.39%
EPS Next 5Y22.34%
Revenue Next Year-92.4%
Revenue Next 2Y-71.58%
Revenue Next 3Y-2.95%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. Valuation

4.1 Price/Earnings Ratio

RF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 8.48, the valuation of RF can be described as reasonable.
Based on the Price/Forward Earnings ratio, RF is valued a bit cheaper than the industry average as 78.00% of the companies are valued more expensively.
RF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.58.
Industry RankSector Rank
PE N/A
Fwd PE 8.48
RF.PA Price Earnings VS Forward Price EarningsRF.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RF is valued a bit more expensive than the industry average as 66.00% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 199.35
RF.PA Per share dataRF.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

4.3 Compensation for Growth

A more expensive valuation may be justified as RF's earnings are expected to grow with 44.39% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.53%
EPS Next 3Y44.39%

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5

5. Dividend

5.1 Amount

RF has a Yearly Dividend Yield of 3.44%. Purely for dividend investing, there may be better candidates out there.
RF's Dividend Yield is a higher than the industry average which is at 3.80.
RF's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

The dividend of RF is nicely growing with an annual growth rate of 14.34%!
Dividend Growth(5Y)14.34%
Div Incr Years3
Div Non Decr Years5
RF.PA Yearly Dividends per shareRF.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

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-231.65%
EPS Next 2Y13.53%
EPS Next 3Y44.39%
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 0 500M 1B 1.5B

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EURAZEO SE

EPA:RF (3/14/2025, 7:00:00 PM)

70.65

+0.2 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-06 2025-03-06/amc
Earnings (Next)05-15 2025-05-15
Inst Owners17.79%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap5.16B
Analysts85.33
Price Target96.17 (36.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend2.25
Dividend Growth(5Y)14.34%
DP-231.65%
Div Incr Years3
Div Non Decr Years5
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)1.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-70%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)8.07%
Revenue NY rev (3m)8.93%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.48
P/S 14.62
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.7
EV/EBITDA 199.35
EPS(TTM)-1.05
EYN/A
EPS(NY)8.33
Fwd EY11.79%
FCF(TTM)-0.56
FCFYN/A
OCF(TTM)-0.17
OCFYN/A
SpS4.83
BVpS104.98
TBVpS100.54
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.81%
ROE -1.01%
ROCE 0.34%
ROIC 0.25%
ROICexc 0.26%
ROICexgc 0.27%
OM 8.07%
PM (TTM) N/A
GM 73.64%
FCFM N/A
ROA(3y)10.49%
ROA(5y)6.22%
ROE(3y)19.06%
ROE(5y)11.2%
ROIC(3y)0.65%
ROIC(5y)N/A
ROICexc(3y)0.72%
ROICexc(5y)N/A
ROICexgc(3y)1.3%
ROICexgc(5y)N/A
ROCE(3y)0.89%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y-28.82%
ROICexc growth 3YN/A
ROICexc growth 5Y-17.17%
OM growth 3YN/A
OM growth 5Y35.25%
PM growth 3YN/A
PM growth 5Y148.33%
GM growth 3Y5.5%
GM growth 5Y6.26%
F-Score3
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Debt/EBITDA 8.7
Cap/Depr 1058.41%
Cap/Sales 8.08%
Interest Coverage 0.42
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.35
Quick Ratio 0.35
Altman-Z 2.67
F-Score3
WACC5.99%
ROIC/WACC0.04
Cap/Depr(3y)204.64%
Cap/Depr(5y)140.35%
Cap/Sales(3y)6.34%
Cap/Sales(5y)6.28%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-103.05%
EPS 3YN/A
EPS 5Y49.78%
EPS Q2Q%-105.77%
EPS Next Y-83.99%
EPS Next 2Y13.53%
EPS Next 3Y44.39%
EPS Next 5Y22.34%
Revenue 1Y (TTM)-85.97%
Revenue growth 3Y-54.55%
Revenue growth 5Y-39.85%
Sales Q2Q%5.57%
Revenue Next Year-92.4%
Revenue Next 2Y-71.58%
Revenue Next 3Y-2.95%
Revenue Next 5YN/A
EBIT growth 1Y-98.49%
EBIT growth 3YN/A
EBIT growth 5Y-18.65%
EBIT Next Year-50.74%
EBIT Next 3Y30.35%
EBIT Next 5YN/A
FCF growth 1Y84.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-115.58%
OCF growth 3YN/A
OCF growth 5YN/A