EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
54.5 EUR
+0.45 (+0.83%)
Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 54 industry peers in the Financial Services industry. Both the profitability and financial health of RF have multiple concerns. RF is valued correctly, but it does not seem to be growing. Finally 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.
The reported net income has been mixed in the past 5 years: RF reported negative net income in multiple years.
RF had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of RF (-7.10%) is worse than 81.48% of its industry peers.
The Return On Equity of RF (-9.56%) is worse than 77.78% 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 62.96% 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 10.39%.
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 | -7.1% | ||
| 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
RF has a Operating Margin of 14.07%. This is comparable to the rest of the industry: RF outperforms 55.56% of its industry peers.
RF's Operating Margin has improved in the last couple of years.
RF has a Gross Margin of 75.72%. This is in the better half of the industry: RF outperforms 72.22% of its industry peers.
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
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.
Compared to 5 years ago, RF has less shares outstanding
Compared to 1 year ago, RF has a worse debt to assets ratio.
2.2 Solvency
RF has an Altman-Z score of 1.98. 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.
RF's Altman-Z score of 1.98 is in line compared to the rest of the industry. RF outperforms 59.26% of its industry peers.
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's Debt to FCF ratio of 13.86 is on the low side compared to the rest of the industry. RF is outperformed by 61.11% 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 has a better Debt to Equity ratio (0.04) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 1.98 |
ROIC/WACC0.08
WACC7.37%
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 81.48% 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 81.48% of its industry peers.
| 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.
Looking at the last year, RF shows a quite strong growth in Revenue. The Revenue has grown by 12.21% in the last year.
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
Based on estimates for the next years, RF will show a very strong growth in Earnings Per Share. The EPS will grow by 203.73% 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 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
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.
With a Price/Forward Earnings ratio of 4.69, the valuation of RF can be described as very cheap.
Based on the Price/Forward Earnings ratio, RF is valued cheaper than 92.59% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.56. RF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.69 |
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 61.11% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RF is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.31 | ||
| EV/EBITDA | 62.31 |
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 203.73% in the coming years.
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.
Compared to an average industry Dividend Yield of 3.26, RF pays a better dividend. On top of this RF pays more dividend than 87.04% of the companies listed in the same industry.
RF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| 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
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 (12/9/2025, 5:35:15 PM)
54.5
+0.45 (+0.83%)
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 Cap3.92B
Revenue(TTM)396.37M
Net Income(TTM)-633.92M
Analysts80
Price Target77.08 (41.43%)
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-29.64%
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)-6.7%
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)-52.1%
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 | 4.69 | ||
| P/S | 9.89 | ||
| P/FCF | 33.31 | ||
| P/OCF | 32.37 | ||
| P/B | 0.59 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 62.31 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.61
Fwd EY21.3%
FCF(TTM)1.64
FCFY3%
OCF(TTM)1.68
OCFY3.09%
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 | 1.98 |
F-Score5
WACC7.37%
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 4 / 10 to RF.PA.
Can you provide the valuation status for EURAZEO SE?
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 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 562.98% in the next year.