NATWEST GROUP PLC (RYSD.DE) Fundamental Analysis & Valuation

FRA:RYSD • GB00BM8PJY71

Current stock price

6.578 EUR
-0.08 (-1.17%)
Last:

This RYSD.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. RYSD.DE Profitability Analysis

1.1 Basic Checks

  • In the past year RYSD was profitable.
  • In the past year RYSD had a positive cash flow from operations.
  • Each year in the past 5 years RYSD has been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B

1.2 Ratios

  • RYSD has a Return On Assets of 0.77%. This is comparable to the rest of the industry: RYSD outperforms 48.28% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.86%, RYSD is in the better half of the industry, outperforming 61.21% of the companies in the same industry.
Industry RankSector Rank
ROA 0.77%
ROE 12.86%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.58%
ROE(3y)12.06%
ROE(5y)10.48%
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 2025 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of RYSD (31.52%) is better than 80.17% of its industry peers.
  • In the last couple of years the Profit Margin of RYSD has grown nicely.
  • RYSD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.85%
PM growth 5YN/A
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 2025 0 20 -20 -40

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2

2. RYSD.DE Health Analysis

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.
  • 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 2025 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 2025 200B 400B 600B

2.2 Solvency

  • RYSD has a debt to FCF ratio of 17.59. This is a negative value and a sign of low solvency as RYSD would need 17.59 years to pay back of all of its debts.
  • RYSD's Debt to FCF ratio of 17.59 is fine compared to the rest of the industry. RYSD outperforms 67.24% of its industry peers.
  • A Debt/Equity ratio of 2.37 is on the high side and indicates that RYSD has dependencies on debt financing.
  • RYSD has a worse Debt to Equity ratio (2.37) than 63.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.37
Debt/FCF 17.59
Altman-Z N/A
ROIC/WACCN/A
WACC3.61%
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 2025 0 20B -20B 40B -40B 60B

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 2025 20B 40B 60B

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

5

3. RYSD.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.19% over the past year.
  • RYSD shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.31% yearly.
  • RYSD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.49%.
  • RYSD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.53% yearly.
EPS 1Y (TTM)22.19%
EPS 3Y13.31%
EPS 5YN/A
EPS Q2Q%1.76%
Revenue 1Y (TTM)11.49%
Revenue growth 3Y7.36%
Revenue growth 5Y8.53%
Sales Q2Q%10.67%

3.2 Future

  • Based on estimates for the next years, RYSD will show a small growth in Earnings Per Share. The EPS will grow by 7.95% on average per year.
  • Based on estimates for the next years, RYSD will show a small growth in Revenue. The Revenue will grow by 1.51% on average per year.
EPS Next Y5.73%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
EPS Next 5YN/A
Revenue Next Year7.71%
Revenue Next 2Y7.26%
Revenue Next 3Y6.22%
Revenue Next 5Y1.51%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 20B
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. RYSD.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.12, the valuation of RYSD can be described as very reasonable.
  • Based on the Price/Earnings ratio, RYSD is valued cheaply inside the industry as 86.21% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of RYSD to the average of the S&P500 Index (25.70), we can say RYSD is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.73, the valuation of RYSD can be described as very cheap.
  • 89.66% of the companies in the same industry are more expensive than RYSD, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of RYSD to the average of the S&P500 Index (23.84), we can say RYSD is valued rather cheaply.
Industry RankSector Rank
PE 8.12
Fwd PE 7.73
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

  • RYSD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RYSD is cheaper than 81.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.53
EV/EBITDA N/A
RYSD.DE Per share dataRYSD.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 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)1.42
PEG (5Y)N/A
EPS Next 2Y8.35%
EPS Next 3Y7.95%

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

6

5. RYSD.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.27%, RYSD is a good candidate for dividend investing.
  • RYSD's Dividend Yield is comparable with the industry average which is at 4.56.
  • RYSD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.27%

5.2 History

  • The dividend of RYSD is nicely growing with an annual growth rate of 53.56%!
Dividend Growth(5Y)53.56%
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 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • RYSD pays out 43.37% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of RYSD is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.37%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
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 2025 0 20B -20B 40B -40B
RYSD.DE Dividend Payout.RYSD.DE Dividend Payout, showing the Payout Ratio.RYSD.DE Dividend Payout.PayoutRetained Earnings

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RYSD.DE Fundamentals: All Metrics, Ratios and Statistics

NATWEST GROUP PLC

FRA:RYSD (3/13/2026, 7:00:00 PM)

6.578

-0.08 (-1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)05-01
Inst Owners63.31%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap26.23B
Revenue(TTM)17.38B
Net Income(TTM)5.48B
Analysts80
Price Target8.34 (26.79%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.27%
Yearly Dividend0.31
Dividend Growth(5Y)53.56%
DP43.37%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.97%
Min EPS beat(2)11.99%
Max EPS beat(2)21.96%
EPS beat(4)4
Avg EPS beat(4)15.76%
Min EPS beat(4)11.99%
Max EPS beat(4)21.96%
EPS beat(8)8
Avg EPS beat(8)21.23%
EPS beat(12)12
Avg EPS beat(12)25.53%
EPS beat(16)16
Avg EPS beat(16)30.74%
Revenue beat(2)1
Avg Revenue beat(2)0.4%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)3.51%
Revenue beat(4)2
Avg Revenue beat(4)-0.31%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)3.51%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)6
Avg Revenue beat(12)0.25%
Revenue beat(16)10
Avg Revenue beat(16)2.88%
PT rev (1m)1.59%
PT rev (3m)7.35%
EPS NQ rev (1m)3.57%
EPS NQ rev (3m)2.54%
EPS NY rev (1m)0.85%
EPS NY rev (3m)0.4%
Revenue NQ rev (1m)2.26%
Revenue NQ rev (3m)1.56%
Revenue NY rev (1m)1.17%
Revenue NY rev (3m)1.17%
Valuation
Industry RankSector Rank
PE 8.12
Fwd PE 7.73
P/S 1.3
P/FCF 3.53
P/OCF 3.2
P/B 0.53
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)0.81
EY12.31%
EPS(NY)0.85
Fwd EY12.94%
FCF(TTM)1.86
FCFY28.32%
OCF(TTM)2.06
OCFY31.26%
SpS5.05
BVpS12.39
TBVpS10.27
PEG (NY)1.42
PEG (5Y)N/A
Graham Number15.03
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 12.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.52%
GM N/A
FCFM 36.86%
ROA(3y)0.68%
ROA(5y)0.58%
ROE(3y)12.06%
ROE(5y)10.48%
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 3Y9.85%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.37
Debt/FCF 17.59
Debt/EBITDA N/A
Cap/Depr 57.63%
Cap/Sales 3.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 116.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC3.61%
ROIC/WACCN/A
Cap/Depr(3y)62.77%
Cap/Depr(5y)72.53%
Cap/Sales(3y)3.97%
Cap/Sales(5y)4.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.19%
EPS 3Y13.31%
EPS 5YN/A
EPS Q2Q%1.76%
EPS Next Y5.73%
EPS Next 2Y8.35%
EPS Next 3Y7.95%
EPS Next 5YN/A
Revenue 1Y (TTM)11.49%
Revenue growth 3Y7.36%
Revenue growth 5Y8.53%
Sales Q2Q%10.67%
Revenue Next Year7.71%
Revenue Next 2Y7.26%
Revenue Next 3Y6.22%
Revenue Next 5Y1.51%
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 1Y389.83%
FCF growth 3YN/A
FCF growth 5Y-25.92%
OCF growth 1Y299.1%
OCF growth 3YN/A
OCF growth 5Y-24.64%

NATWEST GROUP PLC / RYSD.DE Fundamental Analysis 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 4 / 10.


How financially healthy is NATWEST GROUP PLC?

The financial health rating of NATWEST GROUP PLC (RYSD.DE) is 2 / 10.


Is the dividend of NATWEST GROUP PLC sustainable?

The dividend rating of NATWEST GROUP PLC (RYSD.DE) is 6 / 10 and the dividend payout ratio is 43.37%.