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NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis

Europe - FRA:RYSD - GB00BM8PJY71 - Common Stock

6.072 EUR
-0.17 (-2.66%)
Last: 9/16/2025, 7:00:00 PM
Fundamental Rating

3

Overall RYSD gets a fundamental rating of 3 out of 10. We evaluated RYSD against 95 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

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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.
In multiple years RYSD reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

1.2 Ratios

The Return On Assets of RYSD (0.67%) is comparable to the rest of the industry.
RYSD has a Return On Equity (11.70%) which is in line with its industry peers.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

Looking at the Profit Margin, with a value of 29.80%, RYSD is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

2. Health

2.1 Basic Checks

RYSD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RYSD has less shares outstanding
RYSD has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, RYSD has a worse debt to assets ratio.
RYSD.DE Yearly Shares OutstandingRYSD.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

RYSD has a Debt/Equity ratio of 2.19. This is a high value indicating a heavy dependency on external financing.
RYSD has a Debt to Equity ratio of 2.19. This is comparable to the rest of the industry: RYSD outperforms 49.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.32%
RYSD.DE Yearly LT Debt VS Equity VS FCFRYSD.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.42% over the past year.
The Earnings Per Share has been growing by 16.77% on average over the past years. This is quite good.
The Revenue has grown by 9.67% in the past year. This is quite good.
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)23.42%
EPS 3Y13.37%
EPS 5Y16.77%
EPS Q2Q%11.82%
Revenue 1Y (TTM)9.67%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%9.46%

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 10.40% yearly.
The Revenue is expected to grow by 2.70% on average over the next years.
EPS Next Y7.71%
EPS Next 2Y10.12%
EPS Next 3Y10.4%
EPS Next 5YN/A
Revenue Next Year10.91%
Revenue Next 2Y8.65%
Revenue Next 3Y7.49%
Revenue Next 5Y2.7%

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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.2 0.4 0.6

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5

4. Valuation

4.1 Price/Earnings Ratio

RYSD is valuated reasonably with a Price/Earnings ratio of 8.21.
Based on the Price/Earnings ratio, RYSD is valued a bit cheaper than 77.89% of the companies in the same industry.
When comparing the Price/Earnings ratio of RYSD to the average of the S&P500 Index (27.20), we can say RYSD is valued rather cheaply.
The Price/Forward Earnings ratio is 7.63, which indicates a rather cheap valuation of RYSD.
RYSD's Price/Forward Earnings ratio is rather cheap when compared to the industry. RYSD is cheaper than 89.47% of the companies in the same industry.
RYSD is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.21
Fwd PE 7.63
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.49
EPS Next 2Y10.12%
EPS Next 3Y10.4%

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4

5. Dividend

5.1 Amount

RYSD has a Yearly Dividend Yield of 4.75%, which is a nice return.
Compared to an average industry Dividend Yield of 4.93, 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 2.38.
Industry RankSector Rank
Dividend Yield 4.75%

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 2Y10.12%
EPS Next 3Y10.4%
RYSD.DE Yearly Income VS Free CF VS DividendRYSD.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

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NATWEST GROUP PLC

FRA:RYSD (9/16/2025, 7:00:00 PM)

6.072

-0.17 (-2.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25/bmo
Earnings (Next)10-24 2025-10-24
Inst Owners59.91%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap24.48B
Analysts81.54
Price Target7.11 (17.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.75%
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)2.85%
PT rev (3m)4.71%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)4.76%
EPS NY rev (1m)2.96%
EPS NY rev (3m)2.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)1.8%
Valuation
Industry RankSector Rank
PE 8.21
Fwd PE 7.63
P/S 1.29
P/FCF N/A
P/OCF N/A
P/B 0.51
P/tB 0.62
EV/EBITDA N/A
EPS(TTM)0.74
EY12.19%
EPS(NY)0.8
Fwd EY13.11%
FCF(TTM)-2.06
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS4.72
BVpS12.02
TBVpS9.87
PEG (NY)1.06
PEG (5Y)0.49
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
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 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
WACC3.32%
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)23.42%
EPS 3Y13.37%
EPS 5Y16.77%
EPS Q2Q%11.82%
EPS Next Y7.71%
EPS Next 2Y10.12%
EPS Next 3Y10.4%
EPS Next 5YN/A
Revenue 1Y (TTM)9.67%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%9.46%
Revenue Next Year10.91%
Revenue Next 2Y8.65%
Revenue Next 3Y7.49%
Revenue Next 5Y2.7%
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