EURAZEO SE (RF.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:RF - FR0000121121 - Common Stock
51.8 EUR
-0.75 (-1.43%)
We assign a fundamental rating of 3 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 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
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.
Of the past 5 years RF 4 years had a positive operating cash flow.
1.2 Ratios
RF has a worse Return On Assets (-7.10%) than 84.48% 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 81.03% 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 67.24% 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 9.69%.
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.
RF's Gross Margin of 75.72% is fine compared to the rest 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 | 14.07% | ||
| 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
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
RF has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.95 indicates that RF is not a great score, but indicates only limited risk for bankruptcy at the moment.
RF has a Altman-Z score (1.95) 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.
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 62.07% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that RF is not too dependend on debt financing.
RF has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. RF outperforms 82.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 13.86 | ||
| Altman-Z | 1.95 |
ROIC/WACC0.08
WACC7.6%
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.
With a Current ratio value of 0.28, RF is not doing good in the industry: 81.03% of the companies in the same industry are doing better.
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: 81.03% 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.
Looking at the last year, RF shows a quite strong growth in Revenue. The Revenue has grown by 12.21% in the last year.
RF shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -39.38% yearly.
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 203.73% on average over the next years. This is a very strong growth
Based on estimates for the next years, RF will show a small growth in Revenue. The Revenue will grow by 6.50% on average per year.
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
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
RF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 4.46 indicates a rather cheap valuation of RF.
Based on the Price/Forward Earnings ratio, RF is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of RF to the average of the S&P500 Index (23.57), we can say RF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.46 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RF is valued a bit more expensive than the industry average as 65.52% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, RF is valued a bit more expensive than the industry average as 62.07% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.66 | ||
| EV/EBITDA | 61.01 |
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 4.97%, which is a nice return.
Compared to an average industry Dividend Yield of 2.04, RF pays a better dividend. On top of this RF pays more dividend than 84.48% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.97% |
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
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 (1/7/2026, 5:29:32 PM)
51.8
-0.75 (-1.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners14.44%
Inst Owner ChangeN/A
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap3.73B
Revenue(TTM)396.37M
Net Income(TTM)-633.92M
Analysts80
Price Target77.08 (48.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.97% |
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)-7.03%
PT rev (3m)-6.54%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 4.46 | ||
| P/S | 9.4 | ||
| P/FCF | 31.66 | ||
| P/OCF | 30.77 | ||
| P/B | 0.56 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | 61.01 |
EPS(TTM)-8.93
EYN/A
EPS(NY)11.61
Fwd EY22.41%
FCF(TTM)1.64
FCFY3.16%
OCF(TTM)1.68
OCFY3.25%
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 | 1.95 |
F-Score5
WACC7.6%
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.
What is the valuation status of EURAZEO SE (RF.PA) stock?
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 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 -29.64%.