EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - EPA:RF - FR0000121121 - Common Stock
60.15 EUR
-0.25 (-0.41%)
We assign a fundamental rating of 4 out of 10 to RF. RF was compared to 50 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. Finally RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RF had negative earnings in the past year.
RF had a positive operating cash flow in the past year.
In multiple years RF reported negative net income over the last 5 years.
RF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RF has a worse Return On Assets (-7.10%) than 80.00% of its industry peers.
RF's Return On Equity of -9.56% is on the low side compared to the rest of the industry. RF is outperformed by 78.00% of its industry peers.
The Return On Invested Capital of RF (0.57%) is worse than 64.00% 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 8.73%.
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 60.00% of the companies in the same industry.
In the last couple of years the Operating Margin of RF has grown nicely.
Looking at the Gross Margin, with a value of 75.72%, RF is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RF 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.
With a decent Altman-Z score value of 2.11, RF is doing good in the industry, outperforming 62.00% of the companies in the same industry.
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 worse than 60.00% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that RF is not too dependend on debt financing.
RF's Debt to Equity ratio of 0.04 is amongst the best of the industry. RF outperforms 84.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 2.11 |
ROIC/WACC0.08
WACC7.52%
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 80.00% 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 has a worse Quick ratio (0.28) than 80.00% of its industry peers.
| 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%.
Looking at the last year, RF shows a quite strong growth in Revenue. The Revenue has grown by 12.21% in the last year.
RF shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -39.38% yearly.
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
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
RF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 5.19, the valuation of RF can be described as very cheap.
Based on the Price/Forward Earnings ratio, RF is valued cheaper than 92.00% of the companies in the same industry.
RF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.19 |
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 60.00% 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 | 37.36 | ||
| EV/EBITDA | 68.64 |
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 4.38%, RF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.62, RF pays a better dividend. On top of this RF pays more dividend than 82.00% of the companies listed in the same industry.
RF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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
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-29.64%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPA:RF (10/23/2025, 5:29:26 PM)
60.15
-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 Cap4.40B
Revenue(TTM)396.37M
Net Income(TTM)-633916000
Analysts82.67
Price Target82.47 (37.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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)-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 | 5.19 | ||
| P/S | 11.09 | ||
| P/FCF | 37.36 | ||
| P/OCF | 36.3 | ||
| P/B | 0.66 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | 68.64 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.59
Fwd EY19.27%
FCF(TTM)1.61
FCFY2.68%
OCF(TTM)1.66
OCFY2.75%
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
WACC7.52%
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%