EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
53.3 EUR
+0.05 (+0.09%)
Taking everything into account, RF scores 3 out of 10 in our fundamental rating. RF was compared to 56 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.
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
Looking at the Return On Assets, with a value of -7.10%, RF is doing worse than 82.14% of the companies in the same industry.
RF has a worse Return On Equity (-9.56%) than 78.57% of its industry peers.
The Return On Invested Capital of RF (0.57%) is worse than 64.29% 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 8.78%.
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
Looking at the Operating Margin, with a value of 14.07%, RF is in line with its industry, outperforming 53.57% of the companies in the same industry.
RF's Operating Margin has improved in the last couple of years.
The Gross Margin of RF (75.72%) is better than 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 | 14.07% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RF is destroying value.
RF has less shares outstanding than it did 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
RF has an Altman-Z score of 1.96. 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.
Looking at the Altman-Z score, with a value of 1.96, RF is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
The Debt to FCF ratio of RF is 13.86, which is on the high side as it means it would take RF, 13.86 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 13.86, RF is in line with its industry, outperforming 41.07% of the companies in the same industry.
RF has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, RF belongs to the top of the industry, outperforming 83.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 1.96 |
ROIC/WACC0.08
WACC7.41%
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: 78.57% 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.
The Quick ratio of RF (0.28) is worse than 78.57% 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 -754.01%.
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)-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
The Earnings Per Share is expected to grow by 203.73% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 6.50% on average over the next years.
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
The Price/Earnings Ratio is negative for RF. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 4.59, the valuation of RF can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RF indicates a rather cheap valuation: RF is cheaper than 92.86% of the companies listed in the same industry.
RF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.59 |
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 62.50% of the companies listed in the same industry.
60.71% 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 | 32.58 | ||
| EV/EBITDA | 61.66 |
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
With a Yearly Dividend Yield of 4.99%, 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 83.93% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
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-29.64%
EPS Next 2Y363.8%
EPS Next 3Y203.73%
EPA:RF (12/31/2025, 7:00:00 PM)
53.3
+0.05 (+0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners14.12%
Inst Owner ChangeN/A
Ins Owners0.41%
Ins Owner ChangeN/A
Market Cap3.83B
Revenue(TTM)396.37M
Net Income(TTM)-633.92M
Analysts80
Price Target77.08 (44.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
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)-7.03%
PT rev (3m)-6.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.34%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.38%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.59 | ||
| P/S | 9.67 | ||
| P/FCF | 32.58 | ||
| P/OCF | 31.66 | ||
| P/B | 0.58 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | 61.66 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.61
Fwd EY21.78%
FCF(TTM)1.64
FCFY3.07%
OCF(TTM)1.68
OCFY3.16%
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
WACC7.41%
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 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 1Y95.72%
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 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.
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 -29.64%.