EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - EPA:RF - FR0000121121 - Common Stock
54.3 EUR
-0.45 (-0.82%)
Taking everything into account, RF scores 4 out of 10 in our fundamental rating. RF was compared to 46 industry peers in the Financial Services industry. RF may be in some trouble as it scores bad on both profitability and health. RF has a correct valuation and a medium growth rate. Finally 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.
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
RF's Return On Assets of -7.10% is on the low side compared to the rest of the industry. RF is outperformed by 84.78% of its industry peers.
The Return On Equity of RF (-9.56%) is worse than 82.61% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.57%, RF is doing worse than 71.74% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for RF is significantly below the industry average of 10.06%.
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
RF has a Operating Margin (14.07%) which is comparable to the rest of the industry.
RF's Operating Margin has improved in the last couple of years.
The Gross Margin of RF (75.72%) is better than 67.39% 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.
RF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for RF is higher compared to a year ago.
2.2 Solvency
RF has an Altman-Z score of 2.00. 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 has a Altman-Z score (2.00) which is comparable to the rest of the 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.
The Debt to FCF ratio of RF (13.86) is worse than 63.04% 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.
Looking at the Debt to Equity ratio, with a value of 0.04, RF belongs to the top of the industry, outperforming 82.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 2 |
ROIC/WACC0.08
WACC7.15%
2.3 Liquidity
A Current Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
RF has a worse Current ratio (0.28) than 76.09% 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.
Looking at the Quick ratio, with a value of 0.28, RF is doing worse than 76.09% of the companies in the same industry.
| 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%.
RF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.21%.
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 202.84% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 95.26% on average over the next years. This is a very strong growth
EPS Next Y1284.22%
EPS Next 2Y446.79%
EPS Next 3Y202.84%
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y95.26%
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.
Based on the Price/Forward Earnings ratio of 3.37, the valuation of RF can be described as very cheap.
Based on the Price/Forward Earnings ratio, RF is valued cheaper than 91.30% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.88. RF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.37 |
4.2 Price Multiples
65.22% of the companies in the same industry are cheaper than RF, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, RF is valued a bit more expensive than 60.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.73 | ||
| EV/EBITDA | 63.68 |
4.3 Compensation for Growth
RF's 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 202.84% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y446.79%
EPS Next 3Y202.84%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.77%, RF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.73, RF pays a better dividend. On top of this RF pays more dividend than 82.61% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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
5.3 Sustainability
RF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
RF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-29.64%
EPS Next 2Y446.79%
EPS Next 3Y202.84%
EPA:RF (9/19/2025, 2:45:57 PM)
54.3
-0.45 (-0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.88%
Inst Owner ChangeN/A
Ins Owners0.42%
Ins Owner ChangeN/A
Market Cap3.97B
Analysts82.67
Price Target82.47 (51.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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)-1.91%
PT rev (3m)-7.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-5.25%
EPS NY rev (3m)-5.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.55%
Revenue NY rev (3m)2.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.37 | ||
| P/S | 10.01 | ||
| P/FCF | 33.73 | ||
| P/OCF | 32.77 | ||
| P/B | 0.6 | ||
| P/tB | 0.63 | ||
| EV/EBITDA | 63.68 |
EPS(TTM)-8.93
EYN/A
EPS(NY)16.14
Fwd EY29.72%
FCF(TTM)1.61
FCFY2.97%
OCF(TTM)1.66
OCFY3.05%
SpS5.42
BVpS90.72
TBVpS86.32
PEG (NY)N/A
PEG (5Y)N/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
ROICexcg growth 3Y-33.59%
ROICexcg 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 | 2 |
F-Score5
WACC7.15%
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 Y1284.22%
EPS Next 2Y446.79%
EPS Next 3Y202.84%
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 Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y95.26%
Revenue Next 5YN/A
EBIT growth 1Y95.72%
EBIT growth 3Y-29.61%
EBIT growth 5Y-15.19%
EBIT Next Year418.57%
EBIT Next 3Y123.07%
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%