NATWEST GROUP PLC (RYSD.DE)

GB00BM8PJY71 - Common Stock

4.02  +0.05 (+1.34%)

Fundamental Rating

3

RYSD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. RYSD may be in some trouble as it scores bad on both profitability and health. RYSD is valued correctly, but it does not seem to be growing.



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3

1. Profitability

1.1 Basic Checks

RYSD had positive earnings in the past year.
RYSD had a positive operating cash flow in the past year.
RYSD had positive earnings in 4 of the past 5 years.
In multiple years RYSD reported negative operating cash flow during the last 5 years.

1.2 Ratios

RYSD has a Return On Assets (0.61%) which is comparable to the rest of the industry.
RYSD has a Return On Equity of 11.18%. This is comparable to the rest of the industry: RYSD outperforms 56.98% of its industry peers.
Industry RankSector Rank
ROA 0.61%
ROE 11.18%
ROIC N/A
ROA(3y)0.49%
ROA(5y)0.36%
ROE(3y)9.35%
ROE(5y)6.7%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

RYSD has a Profit Margin of 27.93%. This is in the better half of the industry: RYSD outperforms 72.09% of its industry peers.
RYSD's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for RYSD so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y20.09%
GM growth 3YN/A
GM growth 5YN/A

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2

2. Health

2.1 Basic Checks

RYSD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RYSD has less shares outstanding
The number of shares outstanding for RYSD has been reduced compared to 5 years ago.
The debt/assets ratio for RYSD is higher compared to a year ago.

2.2 Solvency

RYSD has a debt to FCF ratio of 12.03. This is a negative value and a sign of low solvency as RYSD would need 12.03 years to pay back of all of its debts.
The Debt to FCF ratio of RYSD (12.03) is better than 73.26% of its industry peers.
A Debt/Equity ratio of 2.89 is on the high side and indicates that RYSD has dependencies on debt financing.
RYSD has a worse Debt to Equity ratio (2.89) than 74.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF 12.03
Altman-Z N/A
ROIC/WACCN/A
WACC2.61%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

RYSD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.14%.
The Earnings Per Share has been growing by 8.51% on average over the past years. This is quite good.
RYSD shows a decrease in Revenue. In the last year, the revenue decreased by -3.28%.
The Revenue has been growing slightly by 1.64% on average over the past years.
EPS 1Y (TTM)3.14%
EPS 3YN/A
EPS 5Y8.51%
EPS Q2Q%26.41%
Revenue 1Y (TTM)-3.28%
Revenue growth 3Y10.21%
Revenue growth 5Y1.64%
Sales Q2Q%-4.99%

3.2 Future

RYSD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.57% yearly.
RYSD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.89% yearly.
EPS Next Y-8.01%
EPS Next 2Y-2.31%
EPS Next 3Y2.57%
EPS Next 5YN/A
Revenue Next Year-2.09%
Revenue Next 2Y1.15%
Revenue Next 3Y2.4%
Revenue Next 5Y0.89%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

RYSD is valuated cheaply with a Price/Earnings ratio of 6.59.
RYSD's Price/Earnings ratio is a bit cheaper when compared to the industry. RYSD is cheaper than 65.12% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 30.52, RYSD is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.88, the valuation of RYSD can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RYSD indicates a somewhat cheap valuation: RYSD is cheaper than 70.93% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.99. RYSD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.59
Fwd PE 6.88

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RYSD is valued cheaper than 84.88% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.57
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y-2.31%
EPS Next 3Y2.57%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.27%, RYSD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.70, RYSD has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.26, RYSD pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.27%

5.2 History

The dividend of RYSD is nicely growing with an annual growth rate of 22.08%!
Dividend Growth(5Y)22.08%
Div Incr Years2
Div Non Decr Years2

5.3 Sustainability

RYSD's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-2.31%
EPS Next 3Y2.57%

More info and screens

NATWEST GROUP PLC

FRA:RYSD (9/13/2024, 7:00:00 PM)

4.02

+0.05 (+1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap16.74B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 5.27%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 6.59
Fwd PE 6.88
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.77
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 11.18%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 27.93%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 2.89
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)3.14%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y-8.01%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-3.28%
Revenue growth 3Y10.21%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y