NATWEST GROUP PLC(FRA:RYSD) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, RYSD scores 4 out of 10 in our fundamental rating. RYSD was compared to 97 industry peers in the Banks industry. Both the profitability and financial health of RYSD have multiple concerns. RYSD is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year RYSD was profitable.

In the past year RYSD had a positive cash flow from operations.

RYSD had positive earnings in 4 of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: RYSD reported negative operating cash flow in multiple years.

1.2 Ratios

With a Return On Assets value of 0.64%, RYSD perfoms like the industry average, outperforming 48.45% of the companies in the same industry.

The Return On Equity of RYSD (11.48%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.64%
ROE	11.48%
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's Profit Margin of 28.99% is fine compared to the rest of the industry. RYSD outperforms 78.35% of its industry peers.

RYSD's Profit Margin has improved in the last couple of years.

RYSD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.99%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

RYSD does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for RYSD has been reduced compared to 1 year ago.

RYSD has less shares outstanding than it did 5 years ago.

RYSD has a worse debt/assets ratio than last year.

2.2 Solvency

RYSD has a debt to FCF ratio of 85.00. This is a negative value and a sign of low solvency as RYSD would need 85.00 years to pay back of all of its debts.

The Debt to FCF ratio of RYSD (85.00) is better than 72.16% of its industry peers.

A Debt/Equity ratio of 2.83 is on the high side and indicates that RYSD has dependencies on debt financing.

RYSD has a Debt to Equity ratio of 2.83. This is in the lower half of the industry: RYSD underperforms 69.07% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.83
Debt/FCF	85
Altman-Z	N/A

ROIC/WACCN/A

WACC3.21%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

RYSD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.86%, which is quite good.

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 small growth in Revenue. The Revenue has grown by 0.09% in the last year.

RYSD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.01% yearly.

EPS 1Y (TTM)9.86%

EPS 3Y13.37%

EPS 5Y16.77%

EPS Q2Q%12.4%

Revenue 1Y (TTM)0.09%

Revenue growth 3Y11.39%

Revenue growth 5Y1.01%

Sales Q2Q%8.14%

3.2 Future

RYSD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.20% yearly.

Based on estimates for the next years, RYSD will show a small growth in Revenue. The Revenue will grow by 2.82% on average per year.

EPS Next Y4.62%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

EPS Next 5YN/A

Revenue Next Year7.92%

Revenue Next 2Y7.26%

Revenue Next 3Y6.5%

Revenue Next 5Y2.82%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.44, which indicates a very decent valuation of RYSD.

The rest of the industry has a similar Price/Earnings ratio as RYSD.

When comparing the Price/Earnings ratio of RYSD to the average of the S&P500 Index (28.88), we can say RYSD is valued rather cheaply.

The Price/Forward Earnings ratio is 8.09, which indicates a very decent valuation of RYSD.

RYSD's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RYSD is cheaper than 74.23% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.20. RYSD is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.44
Fwd PE	8.09

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RYSD is valued a bit cheaper than 73.20% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	14.83
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RYSD does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)1.83

PEG (5Y)0.5

EPS Next 2Y8.83%

EPS Next 3Y9.2%

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5. Dividend

5.1 Amount

RYSD has a Yearly Dividend Yield of 4.59%, which is a nice return.

RYSD's Dividend Yield is comparable with the industry average which is at 5.42.

Compared to an average S&P500 Dividend Yield of 2.45, RYSD pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.59%

5.2 History

The dividend of RYSD decreases each year by -7.84%.

Dividend Growth(5Y)-7.84%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

39.83% of the earnings are spent on dividend by RYSD. This is a low number and sustainable payout ratio.

DP39.83%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

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NATWEST GROUP PLC

FRA:RYSD (4/30/2025, 7:00:00 PM)

5.658

-0.07 (-1.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-14 2025-02-14/bmo

Earnings (Next)05-02 2025-05-02

Inst Owners59.09%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap22.82B

Analysts80.74

Price Target6.13 (8.34%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.59%

Yearly Dividend0.22

Dividend Growth(5Y)-7.84%

DP39.83%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)30.7%

Min EPS beat(2)15.32%

Max EPS beat(2)46.08%

EPS beat(4)4

Avg EPS beat(4)26.71%

Min EPS beat(4)3.9%

Max EPS beat(4)46.08%

EPS beat(8)8

Avg EPS beat(8)30.41%

EPS beat(12)12

Avg EPS beat(12)35.73%

EPS beat(16)16

Avg EPS beat(16)39.61%

Revenue beat(2)1

Avg Revenue beat(2)0.1%

Min Revenue beat(2)-1.03%

Max Revenue beat(2)1.24%

Revenue beat(4)2

Avg Revenue beat(4)1.03%

Min Revenue beat(4)-1.03%

Max Revenue beat(4)4.22%

Revenue beat(8)4

Avg Revenue beat(8)0.53%

Revenue beat(12)8

Avg Revenue beat(12)3.94%

Revenue beat(16)11

Avg Revenue beat(16)15.97%

PT rev (1m)-0.71%

PT rev (3m)8.6%

EPS NQ rev (1m)6.84%

EPS NQ rev (3m)13.59%

EPS NY rev (1m)0.24%

EPS NY rev (3m)15.57%

Revenue NQ rev (1m)1%

Revenue NQ rev (3m)4.19%

Revenue NY rev (1m)0.59%

Revenue NY rev (3m)2.11%

Valuation

		Industry Rank	Sector Rank
PE	8.44
Fwd PE	8.09
P/S	1.24
P/FCF	14.83
P/OCF	10.94
P/B	0.49
P/tB	0.61
EV/EBITDA	N/A

EPS(TTM)0.67

EY11.84%

EPS(NY)0.7

Fwd EY12.37%

FCF(TTM)0.38

FCFY6.74%

OCF(TTM)0.52

OCFY9.14%

SpS4.55

BVpS11.48

TBVpS9.27

PEG (NY)1.83

PEG (5Y)0.5

Profitability

		Industry Rank	Sector Rank
ROA	0.64%
ROE	11.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.99%
GM	N/A
FCFM	8.39%

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

ROICexcg growth 3YN/A

ROICexcg 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	2.83
Debt/FCF	85
Debt/EBITDA	N/A
Cap/Depr	43.86%
Cap/Sales	2.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	28.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC3.21%

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)9.86%

EPS 3Y13.37%

EPS 5Y16.77%

EPS Q2Q%12.4%

EPS Next Y4.62%

EPS Next 2Y8.83%

EPS Next 3Y9.2%

EPS Next 5YN/A

Revenue 1Y (TTM)0.09%

Revenue growth 3Y11.39%

Revenue growth 5Y1.01%

Sales Q2Q%8.14%

Revenue Next Year7.92%

Revenue Next 2Y7.26%

Revenue Next 3Y6.5%

Revenue Next 5Y2.82%

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 1Y107.17%

FCF growth 3Y-70.85%

FCF growth 5YN/A

OCF growth 1Y110.16%

OCF growth 3Y-67.92%

OCF growth 5YN/A

NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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