EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - EPA:RF - FR0000121121 - Common Stock
54.85 EUR
-2.25 (-3.94%)
RF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 50 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
RF had negative earnings in the past year.
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
RF has a Return On Assets of -7.10%. This is amonst the worse of the industry: RF underperforms 82.00% 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 80.00% of its industry peers.
RF has a worse Return On Invested Capital (0.57%) than 66.00% 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 9.85%.
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's Operating Margin of 14.07% is in line compared to the rest of the industry. RF outperforms 58.00% of its industry peers.
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 72.00% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RF is destroying value.
Compared to 1 year ago, RF has less shares outstanding
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 2.05. 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.
With a Altman-Z score value of 2.05, RF perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
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 has a Debt to FCF ratio of 13.86. This is in the lower half of the industry: RF underperforms 60.00% of its industry peers.
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 84.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 2.05 |
ROIC/WACC0.08
WACC7.47%
2.3 Liquidity
A Current Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.28, RF is doing worse than 82.00% of the companies in the same industry.
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.
With a Quick ratio value of 0.28, RF is not doing good in the industry: 82.00% of the companies in the same industry are doing better.
| 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.
The Revenue has grown by 12.21% in the past year. This is quite good.
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 203.49% on average per year.
Based on estimates for the next years, RF will show a very strong growth in Revenue. The Revenue will grow by 95.26% on average per year.
EPS Next Y585.5%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPS Next 5YN/A
Revenue Next Year6.13%
Revenue Next 2Y5.13%
Revenue Next 3Y95.26%
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.
RF is valuated cheaply with a Price/Forward Earnings ratio of 4.73.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RF indicates a rather cheap valuation: RF is cheaper than 92.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (22.35), we can say RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RF is valued a bit more expensive than the industry average as 62.00% of the companies are valued more cheaply.
The rest of the industry has a similar Price/Free Cash Flow ratio as RF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.07 | ||
| EV/EBITDA | 65.74 |
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.
RF's earnings are expected to grow with 203.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y363.43%
EPS Next 3Y203.49%
5. Dividend
5.1 Amount
RF has a Yearly Dividend Yield of 4.44%, which is a nice return.
Compared to an average industry Dividend Yield of 3.30, RF pays a better dividend. On top of this RF pays more dividend than 84.00% 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
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
The earnings of RF are negative and hence is the payout ratio. RF will probably not be able to sustain this dividend level.
The dividend of RF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-29.64%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
EPA:RF (11/6/2025, 5:29:50 PM)
54.85
-2.25 (-3.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.51%
Inst Owner ChangeN/A
Ins Owners0.42%
Ins Owner ChangeN/A
Market Cap4.01B
Revenue(TTM)396.37M
Net Income(TTM)-633916000
Analysts82.67
Price Target82.62 (50.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
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)0.18%
PT rev (3m)-9.13%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-53.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.73 | ||
| P/S | 10.11 | ||
| P/FCF | 34.07 | ||
| P/OCF | 33.1 | ||
| P/B | 0.6 | ||
| P/tB | 0.64 | ||
| EV/EBITDA | 65.74 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.59
Fwd EY21.13%
FCF(TTM)1.61
FCFY2.94%
OCF(TTM)1.66
OCFY3.02%
SpS5.42
BVpS90.72
TBVpS86.32
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 | 2.05 |
F-Score5
WACC7.47%
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 Y585.5%
EPS Next 2Y363.43%
EPS Next 3Y203.49%
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 Year-132.97%
EBIT Next 3Y88.9%
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 585.5% in the next year.