NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:RYSD • GB00BM8PJY71

7.624 EUR
+0.11 (+1.49%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to RYSD. RYSD was compared to 111 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • RYSD had positive earnings in the past year.
  • RYSD had a negative operating cash flow in the past year.
  • 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.
RYSD.DE Yearly Net Income VS EBIT VS OCF VS FCFRYSD.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

1.2 Ratios

  • RYSD has a Return On Assets of 0.67%. This is comparable to the rest of the industry: RYSD outperforms 45.05% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.70%, RYSD is in line with its industry, outperforming 54.95% of the companies in the same industry.
Industry RankSector 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
RYSD.DE Yearly ROA, ROE, ROICRYSD.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of RYSD (29.80%) is better than 76.58% of its industry peers.
  • In the last couple of years the Profit Margin of RYSD has grown nicely.
  • The Operating Margin and Gross Margin are not available for RYSD so they could not be analyzed.
Industry RankSector 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
RYSD.DE Yearly Profit, Operating, Gross MarginsRYSD.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • The debt/assets ratio for RYSD is higher compared to a year ago.
RYSD.DE Yearly Shares OutstandingRYSD.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
RYSD.DE Yearly Total Debt VS Total AssetsRYSD.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

  • RYSD has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.19, RYSD perfoms like the industry average, outperforming 46.85% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.91%
RYSD.DE Yearly LT Debt VS Equity VS FCFRYSD.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RYSD.DE Yearly Current Assets VS Current LiabilitesRYSD.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.83% over the past year.
  • The Earnings Per Share has been growing by 16.77% on average over the past years. This is quite good.
  • Looking at the last year, RYSD shows a quite strong growth in Revenue. The Revenue has grown by 11.03% in the last year.
  • The Revenue has been growing slightly by 1.01% on average over the past years.
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

  • Based on estimates for the next years, RYSD will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.33% on average per year.
  • RYSD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.59% yearly.
EPS Next Y14.42%
EPS Next 2Y13.18%
EPS Next 3Y12.65%
EPS Next 5Y12.33%
Revenue Next Year12.61%
Revenue Next 2Y9.45%
Revenue Next 3Y8.07%
Revenue Next 5Y3.59%

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.
RYSD.DE Yearly Revenue VS EstimatesRYSD.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
RYSD.DE Yearly EPS VS EstimatesRYSD.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 0.4 0.6 0.8

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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.53, the valuation of RYSD can be described as very reasonable.
  • Based on the Price/Earnings ratio, RYSD is valued cheaply inside the industry as 80.18% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, RYSD is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.10, the valuation of RYSD can be described as reasonable.
  • RYSD's Price/Forward Earnings ratio is rather cheap when compared to the industry. RYSD is cheaper than 88.29% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, RYSD is valued rather cheaply.
Industry RankSector Rank
PE 9.53
Fwd PE 9.1
RYSD.DE Price Earnings VS Forward Price EarningsRYSD.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RYSD.DE Per share dataRYSD.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

  • RYSD's 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 12.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.66
PEG (5Y)0.57
EPS Next 2Y13.18%
EPS Next 3Y12.65%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • RYSD has a Yearly Dividend Yield of 3.85%.
  • Compared to an average industry Dividend Yield of 4.09, RYSD has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, RYSD pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.85%

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
RYSD.DE Yearly Dividends per shareRYSD.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

DPN/A
EPS Next 2Y13.18%
EPS Next 3Y12.65%
RYSD.DE Yearly Income VS Free CF VS DividendRYSD.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

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NATWEST GROUP PLC

FRA:RYSD (2/6/2026, 7:00:00 PM)

7.624

+0.11 (+1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24
Earnings (Next)02-13
Inst Owners63.97%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap30.45B
Revenue(TTM)17.02B
Net Income(TTM)4.91B
Analysts80
Price Target8.21 (7.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.85%
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)2.94%
PT rev (3m)7.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.61%
EPS NY rev (3m)4.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE 9.53
Fwd PE 9.1
P/S 1.61
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)0.8
EY10.49%
EPS(NY)0.84
Fwd EY10.99%
FCF(TTM)-2.07
FCFYN/A
OCF(TTM)-2.07
OCFYN/A
SpS4.74
BVpS12.09
TBVpS9.92
PEG (NY)0.66
PEG (5Y)0.57
Graham Number14.75
Profitability
Industry RankSector 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 RankSector 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
WACC3.91%
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 Y14.42%
EPS Next 2Y13.18%
EPS Next 3Y12.65%
EPS Next 5Y12.33%
Revenue 1Y (TTM)11.03%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%15.71%
Revenue Next Year12.61%
Revenue Next 2Y9.45%
Revenue Next 3Y8.07%
Revenue Next 5Y3.59%
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.


What is the valuation status of NATWEST GROUP PLC (RYSD.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to NATWEST GROUP PLC (RYSD.DE). This can be considered as Fairly Valued.


What is the profitability of RYSD stock?

NATWEST GROUP PLC (RYSD.DE) has a profitability rating of 3 / 10.


How financially healthy is NATWEST GROUP PLC?

The financial health rating of NATWEST GROUP PLC (RYSD.DE) is 1 / 10.