Raiffeisen Bank International AG Fundamental Analysis (XETRA: RAW.DE)
Raiffeisen Bank International AG Fundamental Analysis (XETRA: RAW.DE)
Raiffeisen Bank International AG (XETRA: RAW.DE) shows moderate financial fundamentals with a PE ratio of 8.65, profit margin of 23.12%, and ROE of 11.95%. The company generates $8.7B in annual revenue with weak year-over-year growth of -26.89%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 7.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RAW.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakRAW.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentRAW.DE trades at attractive valuation levels.
Growth Score
ModerateRAW.DE shows steady but slowing expansion.
Financial Health Score
ModerateRAW.DE shows balanced financial health with some risks.
Profitability Score
WeakRAW.DE struggles to sustain strong margins.
Key Financial Metrics
Is RAW.DE Expensive or Cheap?
P/E Ratio
RAW.DE trades at 8.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RAW.DE's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Raiffeisen Bank International AG at 1.09 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 11.20 times EBITDA. This signals the market has high growth expectations.
How Well Does RAW.DE Make Money?
Net Profit Margin
For every $100 in sales, Raiffeisen Bank International AG keeps $23.12 as profit after all expenses.
Operating Margin
Core operations generate 35.79 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.95 in profit for every $100 of shareholder equity.
ROA
Raiffeisen Bank International AG generates $1.09 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 limited operating cash flow of $-458.81M, signaling weaker underlying cash strength.
Free Cash Flow
Raiffeisen Bank International AG generates weak or negative free cash flow of $-913.50M, restricting financial flexibility.
FCF Per Share
Each share generates $-2.78 in free cash annually.
FCF Yield
RAW.DE converts -5.52% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.003
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.99
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.30
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How RAW.DE Stacks Against Its Sector Peers
| Metric | RAW.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.65 | 21.10 | Better (Cheaper) |
| ROE | 11.95% | 652.00% | Weak |
| Net Margin | 23.12% | -1585.00% (disorted) | Strong |
| Debt/Equity | 0.99 | 0.91 | Neutral |
| Current Ratio | 0.30 | 910.69 | Weak Liquidity |
| ROA | 1.09% | -574.00% (disorted) | Weak |
RAW.DE outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, 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
57.60%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
71.04%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-78.74%
Industry Style: Value, Dividend, Cyclical
Declining