EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
49.15 EUR
+0.05 (+0.1%)
Overall RF gets a fundamental rating of 3 out of 10. We evaluated RF against 60 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 on the other hand it scores bad on growth. Finally RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- RF had negative earnings in the past year.
- In the past year RF had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: RF reported negative net income in multiple years.
- Of the past 5 years RF 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of RF (-7.09%) is worse than 83.33% of its industry peers.
- RF has a Return On Equity of -9.56%. This is amonst the worse of the industry: RF underperforms 80.00% of its industry peers.
- RF has a Return On Invested Capital of 0.57%. This is in the lower half of the industry: RF underperforms 66.67% of its industry peers.
- RF had an Average Return On Invested Capital over the past 3 years of 0.53%. This is significantly below the industry average of 10.51%.
- 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 | -7.09% | ||
| 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
- RF has a Operating Margin (14.05%) which is in line with its industry peers.
- RF's Operating Margin has improved in the last couple of years.
- RF's Gross Margin of 75.72% is fine compared to the rest of the industry. RF outperforms 75.00% of its industry peers.
- In the last couple of years the Gross Margin of RF has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.05% | ||
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RF is destroying value.
- RF has less shares outstanding than it did 1 year ago.
- RF has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, RF has a worse debt to assets ratio.
2.2 Solvency
- RF has an Altman-Z score of 1.88. This is not the best score and indicates that RF is in the grey zone with still only limited risk for bankruptcy at the moment.
- The Altman-Z score of RF (1.88) is better than 61.67% of its industry peers.
- RF has a debt to FCF ratio of 13.82. This is a negative value and a sign of low solvency as RF would need 13.82 years to pay back of all of its debts.
- RF's Debt to FCF ratio of 13.82 is in line compared to the rest of the industry. RF outperforms 41.67% of its industry peers.
- RF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
- RF's Debt to Equity ratio of 0.04 is amongst the best of the industry. RF outperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.82 | ||
| Altman-Z | 1.88 |
ROIC/WACC0.07
WACC7.65%
2.3 Liquidity
- RF has a Current 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.
- RF's Current ratio of 0.28 is on the low side compared to the rest of the industry. RF is outperformed by 80.00% of its industry peers.
- A Quick Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
- With a Quick ratio value of 0.28, RF is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -755.99%.
- RF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.21%.
- RF shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -39.38% yearly.
EPS 1Y (TTM)-755.99%
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 203.73% yearly.
- RF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.50% yearly.
EPS Next Y562.98%
EPS Next 2Y363.8%
EPS Next 3Y203.73%
EPS Next 5YN/A
Revenue Next Year7.6%
Revenue Next 2Y6.18%
Revenue Next 3Y6.5%
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.
- The Price/Forward Earnings ratio is 4.23, which indicates a rather cheap valuation of RF.
- 93.33% of the companies in the same industry are more expensive than RF, based on the Price/Forward Earnings ratio.
- RF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.23 |
4.2 Price Multiples
- RF's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. RF is more expensive than 65.00% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, RF is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.97 | ||
| EV/EBITDA | 58.1 |
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.
- RF's earnings are expected to grow with 203.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y363.8%
EPS Next 3Y203.73%
5. Dividend
5.1 Amount
- RF has a Yearly Dividend Yield of 4.98%, which is a nice return.
- RF's Dividend Yield is rather good when compared to the industry average which is at 1.95. RF pays more dividend than 88.33% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.98% |
5.2 History
- The dividend of RF is nicely growing with an annual growth rate of 15.31%!
Dividend Growth(5Y)15.31%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
- The earnings of RF are negative and hence is the payout ratio. RF will probably not be able to sustain this dividend level.
- The dividend of RF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-29.76%
EPS Next 2Y363.8%
EPS Next 3Y203.73%
EPA:RF (1/21/2026, 9:50:39 AM)
49.15
+0.05 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06
Earnings (Next)03-05 2026-03-05
Inst Owners14.44%
Inst Owner ChangeN/A
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap3.54B
Revenue(TTM)396.37M
Net Income(TTM)-633.68M
Analysts80
Price Target75.63 (53.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.98% |
Yearly Dividend2.45
Dividend Growth(5Y)15.31%
DP-29.76%
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)-1.89%
PT rev (3m)-8.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.23 | ||
| P/S | 8.92 | ||
| P/FCF | 29.97 | ||
| P/OCF | 29.19 | ||
| P/B | 0.53 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 58.1 |
EPS(TTM)-8.95
EYN/A
EPS(NY)11.61
Fwd EY23.62%
FCF(TTM)1.64
FCFY3.34%
OCF(TTM)1.68
OCFY3.43%
SpS5.51
BVpS92.18
TBVpS87.71
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.09% | ||
| ROE | -9.56% | ||
| ROCE | 0.77% | ||
| ROIC | 0.57% | ||
| ROICexc | 0.59% | ||
| ROICexgc | 0.61% | ||
| OM | 14.05% | ||
| PM (TTM) | N/A | ||
| GM | 75.72% | ||
| FCFM | 29.76% |
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 | 13.82 | ||
| Debt/EBITDA | 3.28 | ||
| Cap/Depr | 11.55% | ||
| Cap/Sales | 0.8% | ||
| Interest Coverage | 0.68 | ||
| Cash Conversion | 145.9% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 1.88 |
F-Score5
WACC7.65%
ROIC/WACC0.07
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)-755.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
EPS Next Y562.98%
EPS Next 2Y363.8%
EPS Next 3Y203.73%
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 Year7.6%
Revenue Next 2Y6.18%
Revenue Next 3Y6.5%
Revenue Next 5YN/A
EBIT growth 1Y95.35%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year-101.4%
EBIT Next 3Y87.73%
EBIT Next 5YN/A
FCF growth 1Y187.08%
FCF growth 3Y-3.65%
FCF growth 5Y-23.79%
OCF growth 1Y-60.66%
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.
What is the valuation status of EURAZEO SE (RF.PA) stock?
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 sustainable is the dividend of EURAZEO SE (RF.PA) stock?
The dividend rating of EURAZEO SE (RF.PA) is 7 / 10 and the dividend payout ratio is -29.76%.