EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
54.8 EUR
+1.6 (+3.01%)
We assign a fundamental rating of 3 out of 10 to RF. RF was compared to 53 industry peers in the Financial Services industry. Both the profitability and financial health of RF have multiple concerns. RF has a valuation in line with the averages, but it does not seem to be growing. RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year RF has reported negative net income.
RF had a positive operating cash flow in the past year.
In multiple years RF reported negative net income over the last 5 years.
RF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -7.10%, RF is not doing good in the industry: 81.13% of the companies in the same industry are doing better.
RF's Return On Equity of -9.56% is on the low side compared to the rest of the industry. RF is outperformed by 77.36% of its industry peers.
RF's Return On Invested Capital of 0.57% is on the low side compared to the rest of the industry. RF is outperformed by 62.26% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for RF is significantly below the industry average of 8.63%.
The last Return On Invested Capital (0.57%) for RF is above the 3 year average (0.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.1% | ||
| ROE | -9.56% | ||
| ROIC | 0.57% |
ROA(3y)5.76%
ROA(5y)5.15%
ROE(3y)8.59%
ROE(5y)9.57%
ROIC(3y)0.53%
ROIC(5y)N/A
1.3 Margins
The Operating Margin of RF (14.07%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of RF has grown nicely.
With a decent Gross Margin value of 75.72%, RF is doing good in the industry, outperforming 73.58% of the companies in the same industry.
RF's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.07% | ||
| PM (TTM) | N/A | ||
| GM | 75.72% |
OM growth 3Y59.9%
OM growth 5Y39.89%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.97%
GM growth 5Y5.4%
2. Health
2.1 Basic Checks
RF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
RF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RF has less shares outstanding
The debt/assets ratio for RF is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.96 indicates that RF is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.96, RF is in the better half of the industry, outperforming 62.26% of the companies in the same industry.
RF has a debt to FCF ratio of 13.86. This is a negative value and a sign of low solvency as RF would need 13.86 years to pay back of all of its debts.
RF has a Debt to FCF ratio (13.86) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.04 indicates that RF is not too dependend on debt financing.
RF has a better Debt to Equity ratio (0.04) than 83.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 1.96 |
ROIC/WACC0.08
WACC7.28%
2.3 Liquidity
A Current Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
The Current ratio of RF (0.28) is worse than 81.13% of its industry peers.
RF has a Quick Ratio of 0.28. This is a bad value and indicates that RF is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.28, RF is doing worse than 81.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
The earnings per share for RF have decreased strongly by -754.01% in the last year.
The Revenue has grown by 12.21% in the past year. This is quite good.
Measured over the past years, RF shows a very negative growth in Revenue. The Revenue has been decreasing by -39.38% on average per year.
EPS 1Y (TTM)-754.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
Revenue 1Y (TTM)12.21%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%7.23%
3.2 Future
RF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 203.44% yearly.
The Revenue is expected to grow by 5.82% on average over the next years.
EPS Next Y565.27%
EPS Next 2Y363.27%
EPS Next 3Y203.44%
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y5.82%
Revenue Next 5YN/A
3.3 Evolution
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
RF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 4.73, the valuation of RF can be described as very cheap.
RF's Price/Forward Earnings ratio is rather cheap when compared to the industry. RF is cheaper than 92.45% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (35.40), we can say RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.73 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RF indicates a slightly more expensive valuation: RF is more expensive than 60.38% of the companies listed in the same industry.
60.38% of the companies in the same industry are cheaper than RF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.5 | ||
| EV/EBITDA | 61.57 |
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 RF's earnings are expected to grow with 203.44% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y363.27%
EPS Next 3Y203.44%
5. Dividend
5.1 Amount
RF has a Yearly Dividend Yield of 4.84%, which is a nice return.
RF's Dividend Yield is rather good when compared to the industry average which is at 3.41. RF pays more dividend than 84.91% of the companies in the same industry.
RF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.84% |
5.2 History
On average, the dividend of RF grows each year by 15.31%, which is quite nice.
Dividend Growth(5Y)15.31%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
RF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The dividend of RF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-29.64%
EPS Next 2Y363.27%
EPS Next 3Y203.44%
EPA:RF (12/5/2025, 5:28:51 PM)
54.8
+1.6 (+3.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.51%
Inst Owner ChangeN/A
Ins Owners0.42%
Ins Owner ChangeN/A
Market Cap3.94B
Revenue(TTM)396.37M
Net Income(TTM)-633.92M
Analysts82.67
Price Target82.91 (51.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.84% |
Yearly Dividend2.45
Dividend Growth(5Y)15.31%
DP-29.64%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.53%
PT rev (3m)0.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.95%
EPS NY rev (3m)-51.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.73 | ||
| P/S | 9.94 | ||
| P/FCF | 33.5 | ||
| P/OCF | 32.55 | ||
| P/B | 0.59 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 61.57 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.58
Fwd EY21.14%
FCF(TTM)1.64
FCFY2.99%
OCF(TTM)1.68
OCFY3.07%
SpS5.51
BVpS92.18
TBVpS87.71
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.1% | ||
| ROE | -9.56% | ||
| ROCE | 0.78% | ||
| ROIC | 0.57% | ||
| ROICexc | 0.59% | ||
| ROICexgc | 0.62% | ||
| OM | 14.07% | ||
| PM (TTM) | N/A | ||
| GM | 75.72% | ||
| FCFM | 29.69% |
ROA(3y)5.76%
ROA(5y)5.15%
ROE(3y)8.59%
ROE(5y)9.57%
ROIC(3y)0.53%
ROIC(5y)N/A
ROICexc(3y)0.55%
ROICexc(5y)N/A
ROICexgc(3y)0.8%
ROICexgc(5y)N/A
ROCE(3y)0.72%
ROCE(5y)N/A
ROICexgc growth 3Y-33.59%
ROICexgc growth 5Y-23.63%
ROICexc growth 3Y-18.81%
ROICexc growth 5Y-10.13%
OM growth 3Y59.9%
OM growth 5Y39.89%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.97%
GM growth 5Y5.4%
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Debt/EBITDA | 3.27 | ||
| Cap/Depr | 12.52% | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | 0.68 | ||
| Cash Conversion | 145.68% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 1.96 |
F-Score5
WACC7.28%
ROIC/WACC0.08
Cap/Depr(3y)208.23%
Cap/Depr(5y)141.26%
Cap/Sales(3y)6%
Cap/Sales(5y)6.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-754.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
EPS Next Y565.27%
EPS Next 2Y363.27%
EPS Next 3Y203.44%
EPS Next 5YN/A
Revenue 1Y (TTM)12.21%
Revenue growth 3Y-55.98%
Revenue growth 5Y-39.38%
Sales Q2Q%7.23%
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y5.82%
Revenue Next 5YN/A
EBIT growth 1Y95.72%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year-132.97%
EBIT Next 3Y88.9%
EBIT Next 5YN/A
FCF growth 1Y186.37%
FCF growth 3Y-3.65%
FCF growth 5Y-23.79%
OCF growth 1Y-60.67%
OCF growth 3Y-39.85%
OCF growth 5Y-32.17%
EURAZEO SE / RF.PA FAQ
What is the fundamental rating for RF stock?
ChartMill assigns a fundamental rating of 3 / 10 to RF.PA.
Can you provide the valuation status for EURAZEO SE?
ChartMill assigns a valuation rating of 4 / 10 to EURAZEO SE (RF.PA). This can be considered as Fairly Valued.
What is the profitability of RF stock?
EURAZEO SE (RF.PA) has a profitability rating of 3 / 10.
How financially healthy is EURAZEO SE?
The financial health rating of EURAZEO SE (RF.PA) is 3 / 10.
Can you provide the expected EPS growth for RF stock?
The Earnings per Share (EPS) of EURAZEO SE (RF.PA) is expected to grow by 565.27% in the next year.