EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
54.6 EUR
+1.4 (+2.63%)
Overall RF gets a fundamental rating of 4 out of 10. We evaluated RF against 53 industry peers in the Financial Services industry. RF has a bad profitability rating. Also its financial health evaluation is rather negative. RF has a valuation in line with the averages, but it does not seem to be growing. Finally RF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RF had negative earnings in the past year.
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
The Return On Assets of RF (-7.10%) is worse than 81.13% of its industry peers.
With a Return On Equity value of -9.56%, RF is not doing good in the industry: 77.36% of the companies in the same industry are doing better.
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 62.26% 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 8.63%.
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 (14.07%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of RF has grown nicely.
Looking at the Gross Margin, with a value of 75.72%, RF is in the better half of the industry, outperforming 73.58% of the companies in the same industry.
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
RF has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.99. 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 better Altman-Z score (1.99) than 62.26% of its industry peers.
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.
RF's Debt to FCF ratio of 13.86 is in line compared to the rest of the industry. RF outperforms 41.51% 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.
With an excellent Debt to Equity ratio value of 0.04, RF belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 1.99 |
ROIC/WACC0.08
WACC7.3%
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.
The Current ratio of RF (0.28) is worse than 81.13% of its industry peers.
A Quick Ratio of 0.28 indicates that RF may have some problems paying its short term obligations.
RF has a worse Quick ratio (0.28) than 81.13% 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.
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
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
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 4.70.
Based on the Price/Forward Earnings ratio, RF is valued cheaply inside the industry as 92.45% of the companies are valued more expensively.
RF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.7 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RF is valued a bit more expensive than 60.38% 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 | 33.37 | ||
| EV/EBITDA | 62.78 |
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
With a Yearly Dividend Yield of 4.98%, RF is a good candidate for dividend investing.
RF's Dividend Yield is rather good when compared to the industry average which is at 3.43. RF pays more dividend than 86.79% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, RF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.98% |
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 2Y363.8%
EPS Next 3Y203.73%
EPA:RF (12/5/2025, 7:00:00 PM)
54.6
+1.4 (+2.63%)
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 Cap3.93B
Revenue(TTM)396.37M
Net Income(TTM)-633.92M
Analysts80
Price Target77.08 (41.17%)
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 | 4.7 | ||
| P/S | 9.91 | ||
| P/FCF | 33.37 | ||
| P/OCF | 32.43 | ||
| P/B | 0.59 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | 62.78 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.61
Fwd EY21.26%
FCF(TTM)1.64
FCFY3%
OCF(TTM)1.68
OCFY3.08%
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 | 1.99 |
F-Score5
WACC7.3%
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.
Can you provide the valuation status for EURAZEO SE?
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 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.