EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe • Euronext Paris • EPA:RF • FR0000121121
51.1 EUR
+0.45 (+0.89%)
Last: Feb 2, 2026, 03:24 PM
We assign a fundamental rating of 3 out of 10 to RF. RF was compared to 55 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.
- 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
- RF's Return On Assets of -7.09% is on the low side compared to the rest of the industry. RF is outperformed by 85.45% of its industry peers.
- RF's Return On Equity of -9.56% is on the low side compared to the rest of the industry. RF is outperformed by 81.82% of its industry peers.
- The Return On Invested Capital of RF (0.57%) is worse than 67.27% 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 9.19%.
- The 3 year average ROIC (0.53%) for RF is below the current ROIC(0.57%), indicating increased profibility in the last year.
| 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 of 14.05%. This is comparable to the rest of the industry: RF outperforms 50.91% of its industry peers.
- In the last couple of years the Operating Margin of RF has grown nicely.
- RF has a better Gross Margin (75.72%) than 74.55% 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.
- The number of shares outstanding for RF has been reduced compared to 1 year ago.
- The number of shares outstanding for RF has been reduced compared to 5 years ago.
- RF has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 1.91 indicates that RF is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of RF (1.91) is better than 63.64% 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.
- Looking at the Debt to FCF ratio, with a value of 13.82, RF is doing worse than 60.00% of the companies in the same industry.
- A Debt/Equity ratio of 0.04 indicates that RF is not too dependend on debt financing.
- RF's Debt to Equity ratio of 0.04 is amongst the best of the industry. RF outperforms 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.82 | ||
| Altman-Z | 1.91 |
ROIC/WACC0.08
WACC7.49%
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.
- With a Current ratio value of 0.28, RF is not doing good in the industry: 81.82% of the companies in the same industry are doing better.
- 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.
- RF's Quick ratio of 0.28 is on the low side compared to the rest of the industry. RF is outperformed by 81.82% of its industry peers.
| 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%.
- The Revenue has grown by 12.21% in the past year. This is quite good.
- The Revenue for RF have been decreasing by -39.38% on average. This is quite bad
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
- Based on estimates for the next years, RF will show a very strong growth in Earnings Per Share. The EPS will grow by 203.94% on average per year.
- RF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.50% yearly.
EPS Next Y542.37%
EPS Next 2Y364.46%
EPS Next 3Y203.94%
EPS Next 5YN/A
Revenue Next Year7.6%
Revenue Next 2Y6.18%
Revenue Next 3Y6.5%
Revenue Next 5YN/A
3.3 Evolution
- 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.
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 4.39, which indicates a rather cheap valuation of RF.
- Based on the Price/Forward Earnings ratio, RF is valued cheaply inside the industry as 92.73% of the companies are valued more expensively.
- RF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.39 |
4.2 Price Multiples
- 65.45% of the companies in the same industry are cheaper than RF, based on the Enterprise Value to EBITDA ratio.
- RF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RF is more expensive than 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.16 | ||
| EV/EBITDA | 59.44 |
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 203.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y364.46%
EPS Next 3Y203.94%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.19%, RF is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.10, RF pays a better dividend. On top of this RF pays more dividend than 89.09% of the companies listed 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 | 5.19% |
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
- 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-29.76%
EPS Next 2Y364.46%
EPS Next 3Y203.94%
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%.