EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - EPA:RF - FR0000121121 - Common Stock
54.8 EUR
-0.1 (-0.18%)
Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 47 industry peers in the Financial Services industry. RF may be in some trouble as it scores bad on both profitability and health. RF has a correct valuation and a medium growth rate. 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
Looking at the Return On Assets, with a value of -7.10%, RF is doing worse than 80.85% of the companies in the same industry.
RF has a worse Return On Equity (-9.56%) than 78.72% of its industry peers.
RF has a worse Return On Invested Capital (0.57%) than 68.09% of its industry peers.
The Average Return On Invested Capital over the past 3 years for RF is significantly below the industry average of 9.94%.
The 3 year average ROIC (0.53%) for RF is below the current ROIC(0.57%), indicating increased profibility in the last year.
| 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
With a Operating Margin value of 14.07%, RF perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
In the last couple of years the Operating Margin of RF has grown nicely.
The Gross Margin of RF (75.72%) is better than 68.09% of its industry peers.
In the last couple of years the Gross Margin of RF has grown nicely.
| 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.
The number of shares outstanding for RF has been reduced compared to 5 years ago.
The debt/assets ratio for RF is higher compared to a year ago.
2.2 Solvency
RF has an Altman-Z score of 2.01. 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's Altman-Z score of 2.01 is in line compared to the rest of the industry. RF outperforms 57.45% of its industry peers.
RF has a debt to FCF ratio of 13.86. This is a negative value and a sign of low solvency as RF would need 13.86 years to pay back of 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's Debt to Equity ratio of 0.04 is amongst the best of the industry. RF outperforms 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 2.01 |
ROIC/WACC0.08
WACC7.29%
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 Current ratio of 0.28. This is in the lower half of the industry: RF underperforms 74.47% of its industry peers.
RF has a Quick 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's Quick ratio of 0.28 is on the low side compared to the rest of the industry. RF is outperformed by 74.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
The earnings per share for RF have decreased strongly by -754.01% in the last year.
RF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.21%.
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
The Earnings Per Share is expected to grow by 203.49% on average over the next years. This is a very strong growth
RF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 95.26% yearly.
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.
Based on the Price/Forward Earnings ratio of 4.73, the valuation of RF can be described as very cheap.
Based on the Price/Forward Earnings ratio, RF is valued cheaper than 91.49% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (22.89), we can say RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.73 |
4.2 Price Multiples
61.70% of the companies in the same industry are cheaper than RF, based on the Enterprise Value to EBITDA ratio.
RF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.04 | ||
| EV/EBITDA | 63.72 |
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.
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
RF has a Yearly Dividend Yield of 4.83%, which is a nice return.
RF's Dividend Yield is rather good when compared to the industry average which is at 3.85. RF pays more dividend than 82.98% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
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.
RF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-29.64%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPA:RF (9/26/2025, 7:00:00 PM)
54.8
-0.1 (-0.18%)
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 Cap4.01B
Analysts82.67
Price Target82.47 (50.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
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)-9.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-50.48%
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 | 4.73 | ||
| P/S | 10.11 | ||
| P/FCF | 34.04 | ||
| P/OCF | 33.07 | ||
| P/B | 0.6 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 63.72 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.59
Fwd EY21.15%
FCF(TTM)1.61
FCFY2.94%
OCF(TTM)1.66
OCFY3.02%
SpS5.42
BVpS90.72
TBVpS86.32
PEG (NY)N/A
PEG (5Y)N/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
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 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 | 2.01 |
F-Score5
WACC7.29%
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%