Logo image of RYSD.DE

NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis

FRA:RYSD - GB00BM8PJY71 - Common Stock

6.61 EUR
+0.08 (+1.26%)
Last: 8/25/2025, 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. Both the profitability and financial health of RYSD have multiple concerns. RYSD has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
Of the past 5 years RYSD 4 years were 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B

1.2 Ratios

RYSD's Return On Assets of 0.67% is in line compared to the rest of the industry. RYSD outperforms 46.32% of its industry peers.
RYSD has a Return On Equity (11.70%) which is comparable to the rest of the 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

RYSD has a better Profit Margin (29.80%) than 80.00% 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 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

More info and screens

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
The number of shares outstanding for RYSD has been reduced compared to 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.
The Debt to Equity ratio of RYSD (2.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.42%
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

More info and screens

6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.42% 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 16.77% yearly.
RYSD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.67%.
The Revenue has been growing slightly by 1.01% on average over the past years.
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

The Earnings Per Share is expected to grow by 10.40% on average over the next years. This is quite good.
Based on estimates for the next years, RYSD will show a small growth in Revenue. The Revenue will grow by 2.61% on average per year.
EPS Next Y7.71%
EPS Next 2Y10.12%
EPS Next 3Y10.4%
EPS Next 5YN/A
Revenue Next Year10.43%
Revenue Next 2Y8.32%
Revenue Next 3Y7.23%
Revenue Next 5Y2.61%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

RYSD is valuated reasonably with a Price/Earnings ratio of 8.93.
74.74% of the companies in the same industry are more expensive than RYSD, based on the Price/Earnings ratio.
RYSD is valuated cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.30, the valuation of RYSD can be described as reasonable.
Based on the Price/Forward Earnings ratio, RYSD is valued cheaply inside the industry as 86.32% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of RYSD to the average of the S&P500 Index (22.67), we can say RYSD is valued rather cheaply.
Industry RankSector Rank
PE 8.93
Fwd PE 8.3
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

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)0.53
EPS Next 2Y10.12%
EPS Next 3Y10.4%

More info and screens

4

5. Dividend

5.1 Amount

RYSD has a Yearly Dividend Yield of 4.44%, which is a nice return.
RYSD's Dividend Yield is comparable with the industry average which is at 4.83.
Compared to an average S&P500 Dividend Yield of 2.34, RYSD pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.44%

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

More info and screens

NATWEST GROUP PLC

FRA:RYSD (8/25/2025, 7:00:00 PM)

6.61

+0.08 (+1.26%)

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 Cap26.67B
Analysts81.54
Price Target6.97 (5.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
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)4.99%
PT rev (3m)13.67%
EPS NQ rev (1m)2.18%
EPS NQ rev (3m)4.8%
EPS NY rev (1m)2.96%
EPS NY rev (3m)2.96%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)1.37%
Revenue NY rev (3m)1.37%
Valuation
Industry RankSector Rank
PE 8.93
Fwd PE 8.3
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 0.55
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)0.74
EY11.2%
EPS(NY)0.8
Fwd EY12.04%
FCF(TTM)-2.06
FCFYN/A
OCF(TTM)-2.06
OCFYN/A
SpS4.71
BVpS12.01
TBVpS9.86
PEG (NY)1.16
PEG (5Y)0.53
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
WACC3.42%
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 Year10.43%
Revenue Next 2Y8.32%
Revenue Next 3Y7.23%
Revenue Next 5Y2.61%
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