NATWEST GROUP PLC (RYSD.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:RYSD - GB00BM8PJY71 - Common Stock
7.37 EUR
+0.06 (+0.79%)
Taking everything into account, RYSD scores 4 out of 10 in our fundamental rating. RYSD was compared to 106 industry peers in the Banks industry. RYSD has a bad profitability rating. Also its financial health evaluation is rather negative. RYSD has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year RYSD was profitable.
RYSD had a negative operating cash flow in the past year.
Of the past 5 years RYSD 4 years were profitable.
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
RYSD has a Return On Assets of 0.67%. This is comparable to the rest of the industry: RYSD outperforms 45.28% of its industry peers.
RYSD has a Return On Equity (11.70%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 29.80%, RYSD is in the better half of the industry, outperforming 74.53% of the companies in the same industry.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
RYSD does not have a ROIC to compare to the WACC, probably because it is not profitable.
RYSD has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RYSD has less shares outstanding
RYSD has a worse debt/assets ratio than last year.
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 (2.19) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.19 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.83% over the past year.
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.
The Revenue has grown by 11.03% 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)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.
The Revenue is expected to grow by 4.15% on average over the next years.
EPS Next Y14.54%
EPS Next 2Y13.44%
EPS Next 3Y12.83%
EPS Next 5Y12.33%
Revenue Next Year12.49%
Revenue Next 2Y9.45%
Revenue Next 3Y8.07%
Revenue Next 5Y4.15%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.33, which indicates a very decent valuation of RYSD.
80.19% 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 26.38, which is the current average of the S&P500 Index.
RYSD is valuated reasonably with a Price/Forward Earnings ratio of 8.81.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RYSD indicates a rather cheap valuation: RYSD is cheaper than 88.68% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.83. RYSD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 8.81 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RYSD's earnings are expected to grow with 12.83% in the coming years.
PEG (NY)0.64
PEG (5Y)0.56
EPS Next 2Y13.44%
EPS Next 3Y12.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.03%, RYSD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.33, RYSD has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, RYSD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y13.44%
EPS Next 3Y12.83%
FRA:RYSD (12/19/2025, 7:00:00 PM)
7.37
+0.06 (+0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.17%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap29.51B
Revenue(TTM)17.02B
Net Income(TTM)4.91B
Analysts80.77
Price Target7.77 (5.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.03% |
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)4.3%
PT rev (3m)9.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.17%
EPS NY rev (1m)1.14%
EPS NY rev (3m)6.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)1.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 8.81 | ||
| P/S | 1.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.62 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY10.72%
EPS(NY)0.84
Fwd EY11.35%
FCF(TTM)-2.05
FCFYN/A
OCF(TTM)-2.05
OCFYN/A
SpS4.7
BVpS11.98
TBVpS9.83
PEG (NY)0.64
PEG (5Y)0.56
Graham Number14.59
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC3.77%
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 Y14.54%
EPS Next 2Y13.44%
EPS Next 3Y12.83%
EPS Next 5Y12.33%
Revenue 1Y (TTM)11.03%
Revenue growth 3Y11.39%
Revenue growth 5Y1.01%
Sales Q2Q%15.71%
Revenue Next Year12.49%
Revenue Next 2Y9.45%
Revenue Next 3Y8.07%
Revenue Next 5Y4.15%
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.
Can you provide the valuation status for NATWEST GROUP PLC?
ChartMill assigns a valuation rating of 6 / 10 to NATWEST GROUP PLC (RYSD.DE). This can be considered as Fairly Valued.
How profitable is NATWEST GROUP PLC (RYSD.DE) stock?
NATWEST GROUP PLC (RYSD.DE) has a profitability rating of 3 / 10.
What are the PE and PB ratios of NATWEST GROUP PLC (RYSD.DE) stock?
The Price/Earnings (PE) ratio for NATWEST GROUP PLC (RYSD.DE) is 9.33 and the Price/Book (PB) ratio is 0.62.
Can you provide the expected EPS growth for RYSD stock?
The Earnings per Share (EPS) of NATWEST GROUP PLC (RYSD.DE) is expected to grow by 14.54% in the next year.