EURAZEO SE (RF.PA) Fundamental Analysis & Valuation
EPA:RF • FR0000121121
40.56 EUR
+0.82 (+2.06%)
Last: Mar 12, 2026, 05:29 PM
This RF.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 4 out of 10 to RF. RF was compared to 58 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 valuation in line with the averages, but on the other hand it scores bad on growth. RF also has an excellent dividend rating.
1. RF.PA Profitability Analysis
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
- Looking at the Return On Assets, with a value of -7.09%, RF is doing worse than 81.03% of the companies in the same industry.
- RF has a worse Return On Equity (-9.56%) than 75.86% of its industry peers.
- RF has a worse Return On Invested Capital (0.57%) than 63.79% 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 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 Rank | Sector 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
1.3 Margins
- RF has a Operating Margin (14.05%) which is comparable to the rest of the industry.
- 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 75.86% of its industry peers.
- In the last couple of years the Gross Margin of RF has grown nicely.
| Industry Rank | Sector 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%
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
- Compared to 1 year ago, RF has a worse debt to assets ratio.
2.2 Solvency
- RF has an Altman-Z score of 1.68. This is a bad value and indicates that RF is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 1.68, RF perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
- 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.
- RF has a Debt to FCF ratio (13.82) which is in line with 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 Debt to Equity ratio of 0.04. This is amongst the best in the industry. RF outperforms 84.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.82 | ||
| Altman-Z | 1.68 |
ROIC/WACC0.08
WACC7.56%
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.
- A Quick Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.28, RF is doing worse than 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. RF.PA Growth Analysis
3.1 Past
- RF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -755.99%.
- 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)-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
- Based on estimates for the next years, RF will show a very strong growth in Earnings Per Share. The EPS will grow by 199.93% on average per year.
- 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
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
- The Price/Forward Earnings ratio is 3.57, which indicates a rather cheap valuation of RF.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RF indicates a rather cheap valuation: RF is cheaper than 93.10% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.27, RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.57 |
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.
- RF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.78 | ||
| EV/EBITDA | 48.67 |
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 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%
5. RF.PA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 5.75%, RF is a good candidate for dividend investing.
- The stock price of RF dropped by -24.12% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- 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.
- Compared to an average S&P500 Dividend Yield of 1.82, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
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.
- 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 Fundamentals: All Metrics, Ratios and Statistics
EPA:RF (3/12/2026, 5:29:24 PM)
40.56
+0.82 (+2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06
Earnings (Next)03-11 2026-03-11
Inst Owners12.66%
Inst Owner ChangeN/A
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap2.81B
Revenue(TTM)396.37M
Net Income(TTM)-633.68M
Analysts81.25
Price Target75.63 (86.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.57 | ||
| P/S | 7.08 | ||
| P/FCF | 23.78 | ||
| P/OCF | 23.16 | ||
| P/B | 0.42 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 48.67 |
EPS(TTM)-8.95
EYN/A
EPS(NY)11.37
Fwd EY28.04%
FCF(TTM)1.71
FCFY4.21%
OCF(TTM)1.75
OCFY4.32%
SpS5.73
BVpS95.86
TBVpS91.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.68 |
F-Score5
WACC7.56%
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%.