Raiffeisen Bank International AG
Raiffeisen Bank International AG Fundamental Analysis
Raiffeisen Bank International AG (RAIFF) shows moderate financial fundamentals with a PE ratio of 11.84, profit margin of 22.58%, and ROE of 7.01%. The company generates $5.2B in annual revenue with weak year-over-year growth of -2.10%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 30.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RAIFF's fundamental strength across five key dimensions:
Efficiency Score
WeakRAIFF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentRAIFF trades at attractive valuation levels.
Growth Score
WeakRAIFF faces weak or negative growth trends.
Financial Health Score
WeakRAIFF carries high financial risk with limited liquidity.
Profitability Score
ModerateRAIFF maintains healthy but balanced margins.
Key Financial Metrics
Is RAIFF Expensive or Cheap?
P/E Ratio
RAIFF trades at 11.84 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RAIFF's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Raiffeisen Bank International AG at 0.86 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -13.01 times EBITDA. This is generally considered low.
How Well Does RAIFF Make Money?
Net Profit Margin
For every $100 in sales, Raiffeisen Bank International AG keeps $22.58 as profit after all expenses.
Operating Margin
Core operations generate 40.73 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.01 in profit for every $100 of shareholder equity.
ROA
Raiffeisen Bank International AG generates $0.66 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Raiffeisen Bank International AG generates strong operating cash flow of $2.82B, reflecting robust business health.
Free Cash Flow
Raiffeisen Bank International AG generates strong free cash flow of $2.40B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $7.29 in free cash annually.
FCF Yield
RAIFF converts 20.19% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.84
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.009
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.86
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.28
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.68
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How RAIFF Stacks Against Its Sector Peers
| Metric | RAIFF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.84 | 18.73 | Better (Cheaper) |
| ROE | 7.01% | 847.00% | Weak |
| Net Margin | 22.58% | 2562.00% | Weak |
| Debt/Equity | 2.68 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 0.66% | -21692.00% (disorted) | Weak |
RAIFF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Raiffeisen Bank International AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
64.93%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-5.53%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-114.47%
Industry Style: Value, Dividend, Cyclical
Declining