EURAZEO SE (RF.PA) Fundamental Analysis & Valuation

EPA:RF • FR0000121121

45.42 EUR
+0.62 (+1.38%)
Last: Mar 10, 2026, 12:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This RF.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 58 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. Finally RF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. RF.PA Profitability Analysis

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.
  • 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.
RF.PA Yearly Net Income VS EBIT VS OCF VS FCFRF.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

1.2 Ratios

  • RF has a worse Return On Assets (-7.09%) than 81.03% of its industry peers.
  • RF has a worse Return On Equity (-9.56%) than 75.86% 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 63.79% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for RF is significantly below the industry average of 10.33%.
  • 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 RankSector 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
RF.PA Yearly ROA, ROE, ROICRF.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • Looking at the Operating Margin, with a value of 14.05%, RF is in line with its industry, outperforming 55.17% of the companies in the same industry.
  • In the last couple of years the Operating Margin of RF has grown nicely.
  • RF's Gross Margin of 75.72% is fine compared to the rest of the industry. RF outperforms 75.86% of its industry peers.
  • RF's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
RF.PA Yearly Profit, Operating, Gross MarginsRF.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 400

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3

2. RF.PA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RF is destroying value.
  • Compared to 1 year ago, RF has less shares outstanding
  • Compared to 5 years ago, RF has less shares outstanding
  • RF has a worse debt/assets ratio than last year.
RF.PA Yearly Shares OutstandingRF.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
RF.PA Yearly Total Debt VS Total AssetsRF.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 1.77, we must say that RF is in the distress zone and has some risk of bankruptcy.
  • RF has a Altman-Z score of 1.77. This is in the better half of the industry: RF outperforms 60.34% 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 in line with its industry, outperforming 43.10% of the companies in the same industry.
  • A Debt/Equity ratio of 0.04 indicates that RF is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.04, RF belongs to the best of the industry, outperforming 84.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 13.82
Altman-Z 1.77
ROIC/WACC0.08
WACC7.55%
RF.PA Yearly LT Debt VS Equity VS FCFRF.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

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 has a Current ratio of 0.28. This is in the lower half of the industry: RF underperforms 79.31% 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.
  • RF's Quick ratio of 0.28 is on the low side compared to the rest of the industry. RF is outperformed by 79.31% of its industry peers.
Industry RankSector Rank
Current Ratio 0.28
Quick Ratio 0.28
RF.PA Yearly Current Assets VS Current LiabilitesRF.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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3

3. RF.PA Growth Analysis

3.1 Past

  • The earnings per share for RF have decreased strongly by -755.99% in the last year.
  • Looking at the last year, RF shows a quite strong growth in Revenue. The Revenue has grown by 12.21% in the last year.
  • 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 199.93% yearly.
  • RF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.83% yearly.
EPS Next Y271.18%
EPS Next 2Y359.01%
EPS Next 3Y199.93%
EPS Next 5YN/A
Revenue Next Year7.16%
Revenue Next 2Y6.43%
Revenue Next 3Y6.83%
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.
RF.PA Yearly Revenue VS EstimatesRF.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
RF.PA Yearly EPS VS EstimatesRF.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

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5

4. RF.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RF. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 3.99, 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 91.38% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.65. RF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 3.99
RF.PA Price Earnings VS Forward Price EarningsRF.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

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 62.07% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as RF.
Industry RankSector Rank
P/FCF 26.63
EV/EBITDA 52.88
RF.PA Per share dataRF.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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 199.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y359.01%
EPS Next 3Y199.93%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. RF.PA Dividend Analysis

5.1 Amount

  • RF has a Yearly Dividend Yield of 5.75%, which is a nice return.
  • RF's Dividend Yield is rather good when compared to the industry average which is at 2.38. RF pays more dividend than 84.48% of the companies in the same industry.
  • RF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.75%

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
RF.PA Yearly Dividends per shareRF.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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.
  • RF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-29.76%
EPS Next 2Y359.01%
EPS Next 3Y199.93%
RF.PA Yearly Income VS Free CF VS DividendRF.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

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RF.PA Fundamentals: All Metrics, Ratios and Statistics

EURAZEO SE

EPA:RF (3/10/2026, 12:25:18 PM)

45.42

+0.62 (+1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-11
Inst Owners12.66%
Inst Owner ChangeN/A
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap3.14B
Revenue(TTM)396.37M
Net Income(TTM)-633.68M
Analysts81.25
Price Target75.63 (66.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.75%
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)0%
PT rev (3m)-1.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-42.22%
EPS NY rev (3m)-44.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.4%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 3.99
P/S 7.93
P/FCF 26.63
P/OCF 25.94
P/B 0.47
P/tB 0.5
EV/EBITDA 52.88
EPS(TTM)-8.95
EYN/A
EPS(NY)11.37
Fwd EY25.04%
FCF(TTM)1.71
FCFY3.76%
OCF(TTM)1.75
OCFY3.86%
SpS5.73
BVpS95.86
TBVpS91.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 1.77
F-Score5
WACC7.55%
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)-755.99%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-206.03%
EPS Next Y271.18%
EPS Next 2Y359.01%
EPS Next 3Y199.93%
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 Year7.16%
Revenue Next 2Y6.43%
Revenue Next 3Y6.83%
Revenue Next 5YN/A
EBIT growth 1Y95.35%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year-88.25%
EBIT Next 3Y74.07%
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 4 / 10 to RF.PA.


What is the valuation status of EURAZEO SE (RF.PA) stock?

ChartMill assigns a valuation rating of 5 / 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%.