NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:RYSD - GB00BM8PJY71 - Common Stock
6.652 EUR
+0.06 (+0.94%)
Overall RYSD gets a fundamental rating of 4 out of 10. We evaluated RYSD against 108 industry peers in the Banks industry. RYSD may be in some trouble as it scores bad on both profitability and health. RYSD has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
RYSD had positive earnings in the past year.
In the past year RYSD has reported a negative cash flow from operations.
RYSD had positive earnings in 4 of the past 5 years.
In multiple years RYSD reported negative operating cash flow during the last 5 years.
1.2 Ratios
RYSD has a Return On Assets of 0.67%. This is comparable to the rest of the industry: RYSD outperforms 45.37% of its industry peers.
Looking at the Return On Equity, with a value of 11.70%, RYSD is in line with its industry, outperforming 53.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 11.7% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)10.82%
ROE(5y)7.56%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RYSD has a Profit Margin of 29.80%. This is in the better half of the industry: RYSD outperforms 75.93% of its industry peers.
RYSD's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for RYSD so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.8% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.49%
PM growth 5Y6.53%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RYSD does not have a ROIC to compare to the WACC, probably because it is not profitable.
RYSD has less shares outstanding than it did 1 year ago.
RYSD has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, RYSD has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.19 is on the high side and indicates that RYSD has dependencies on debt financing.
RYSD's Debt to Equity ratio of 2.19 is in line compared to the rest of the industry. RYSD outperforms 50.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RYSD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.83%, which is quite impressive.
Measured over the past years, RYSD shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.77% on average per year.
Looking at the last year, RYSD shows a quite strong growth in Revenue. The Revenue has grown by 11.03% in the last year.
Measured over the past years, RYSD shows a small growth in Revenue. The Revenue has been growing by 1.01% on average per year.
EPS 1Y (TTM)25.83%
EPS 3Y13.37%
EPS 5Y16.77%
EPS Q2Q%36.74%
Revenue 1Y (TTM)11.03%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%15.71%
3.2 Future
The Earnings Per Share is expected to grow by 12.41% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.15% on average over the next years.
EPS Next Y13.25%
EPS Next 2Y12.51%
EPS Next 3Y12.22%
EPS Next 5Y12.41%
Revenue Next Year11.97%
Revenue Next 2Y9.17%
Revenue Next 3Y7.86%
Revenue Next 5Y4.15%
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.
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
Based on the Price/Earnings ratio of 8.42, the valuation of RYSD can be described as reasonable.
Based on the Price/Earnings ratio, RYSD is valued cheaper than 85.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of RYSD to the average of the S&P500 Index (25.98), we can say RYSD is valued rather cheaply.
The Price/Forward Earnings ratio is 8.14, which indicates a very decent valuation of RYSD.
Based on the Price/Forward Earnings ratio, RYSD is valued cheaper than 87.96% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.79. RYSD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 8.14 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
RYSD's earnings are expected to grow with 12.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)0.5
EPS Next 2Y12.51%
EPS Next 3Y12.22%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.33%, RYSD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.85, RYSD has a dividend in line with its industry peers.
RYSD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
5.2 History
The dividend of RYSD decreases each year by -7.34%.
Dividend Growth(5Y)-7.34%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
DPN/A
EPS Next 2Y12.51%
EPS Next 3Y12.22%
FRA:RYSD (11/24/2025, 7:00:00 PM)
6.652
+0.06 (+0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.17%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap26.64B
Revenue(TTM)17.02B
Net Income(TTM)4.91B
Analysts80.77
Price Target7.5 (12.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
Yearly Dividend0.22
Dividend Growth(5Y)-7.34%
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.55%
Min EPS beat(2)13.87%
Max EPS beat(2)15.22%
EPS beat(4)4
Avg EPS beat(4)22.62%
Min EPS beat(4)13.87%
Max EPS beat(4)46.08%
EPS beat(8)8
Avg EPS beat(8)32.21%
EPS beat(12)12
Avg EPS beat(12)27.71%
EPS beat(16)16
Avg EPS beat(16)35.06%
Revenue beat(2)1
Avg Revenue beat(2)-1.02%
Min Revenue beat(2)-2.67%
Max Revenue beat(2)0.63%
Revenue beat(4)2
Avg Revenue beat(4)-0.46%
Min Revenue beat(4)-2.67%
Max Revenue beat(4)1.24%
Revenue beat(8)3
Avg Revenue beat(8)-0.44%
Revenue beat(12)7
Avg Revenue beat(12)1.44%
Revenue beat(16)11
Avg Revenue beat(16)15.79%
PT rev (1m)6.42%
PT rev (3m)7.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.21%
EPS NY rev (1m)3.9%
EPS NY rev (3m)5.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0.78%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 8.14 | ||
| P/S | 1.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY11.88%
EPS(NY)0.82
Fwd EY12.28%
FCF(TTM)-2.04
FCFYN/A
OCF(TTM)-2.04
OCFYN/A
SpS4.67
BVpS11.9
TBVpS9.77
PEG (NY)0.64
PEG (5Y)0.5
Graham Number14.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 11.7% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.8% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.58%
ROA(5y)0.4%
ROE(3y)10.82%
ROE(5y)7.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.49%
PM growth 5Y6.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC3.56%
ROIC/WACCN/A
Cap/Depr(3y)69.13%
Cap/Depr(5y)69.23%
Cap/Sales(3y)4.21%
Cap/Sales(5y)4.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.83%
EPS 3Y13.37%
EPS 5Y16.77%
EPS Q2Q%36.74%
EPS Next Y13.25%
EPS Next 2Y12.51%
EPS Next 3Y12.22%
EPS Next 5Y12.41%
Revenue 1Y (TTM)11.03%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%15.71%
Revenue Next Year11.97%
Revenue Next 2Y9.17%
Revenue Next 3Y7.86%
Revenue Next 5Y4.15%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y89.21%
FCF growth 3Y-70.85%
FCF growth 5YN/A
OCF growth 1Y89.21%
OCF growth 3Y-67.92%
OCF growth 5YN/A
NATWEST GROUP PLC / RYSD.DE FAQ
What is the fundamental rating for RYSD stock?
ChartMill assigns a fundamental rating of 4 / 10 to RYSD.DE.
Can you provide the valuation status for NATWEST GROUP PLC?
ChartMill assigns a valuation rating of 6 / 10 to NATWEST GROUP PLC (RYSD.DE). This can be considered as Fairly Valued.
How profitable is NATWEST GROUP PLC (RYSD.DE) stock?
NATWEST GROUP PLC (RYSD.DE) has a profitability rating of 3 / 10.
What are the PE and PB ratios of NATWEST GROUP PLC (RYSD.DE) stock?
The Price/Earnings (PE) ratio for NATWEST GROUP PLC (RYSD.DE) is 8.42 and the Price/Book (PB) ratio is 0.56.
Can you provide the expected EPS growth for RYSD stock?
The Earnings per Share (EPS) of NATWEST GROUP PLC (RYSD.DE) is expected to grow by 13.25% in the next year.