(NWG) Natwest - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 65.961m USD | Total Return: 51.7% in 12m
Banking, Mortgages, Lending, Wealth Management, Business Services
Total Rating 48
Safety 22
Buy Signal 0.34
Banks - Regional
Industry Rotation: +9.9
Industry Rotation: +9.9
Market Cap:
66.0B
Avg Turnover: 59.7M USD
Avg Turnover: 59.7M USD
ATR:
2.98%
Peers RS (IBD): 34.3
Peers RS (IBD): 34.3
Risk 5d forecast
Volatility28.0%
Rel. Tail Risk0.48%
Reward TTM
Sharpe Ratio1.50
Alpha32.72
Character TTM
Beta0.796
Beta Downside1.205
Drawdowns 3y
Max DD36.41%
CAGR/Max DD1.25
EPS (Earnings per Share)
EPS CAGR: 26.71%
EPS Trend: 16.8%
EPS Trend: 16.8%
Last SUE: 0.01
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 22.91%
Rev. Trend: 88.0%
Rev. Trend: 88.0%
Last SUE: 3.42
Qual. Beats: 4
Qual. Beats: 4
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: NWG Natwest
NatWest Group PLC (NWG) is a UK-based banking and financial services company. It offers a broad range of products to retail, private, and commercial/institutional clients.
The companys business model is diversified across three main segments: Retail Banking, Private Banking, and Commercial & Institutional. This structure is common among large, established financial institutions, allowing for varied revenue streams and risk management.
Retail Banking provides everyday financial services like current accounts and mortgages. Private Banking caters to high-net-worth individuals, a segment known for higher-margin wealth management services. The Commercial & Institutional segment serves businesses from startups to large corporations, offering a full suite of banking operations.
The company, founded in 1727, operates primarily in the United Kingdom and also has a presence in international financial centers like the Channel Islands and Luxembourg, which are often utilized for their favorable regulatory and tax environments in the banking sector. Further detailed analysis, including historical performance and financial health, is available on ValueRay.
- UK interest rate changes impact net interest income
- Mortgage lending volumes affect retail banking revenue
- Regulatory fines increase operational costs
- Economic downturn reduces commercial loan demand
- Wealth management growth boosts private banking profits
Piotroski VR‑10 (Strict)
3.5
| Net Income: 5.83b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.71 > 1.0 |
| NWC/Revenue: -1.30k% < 20% (prev -1.30k%; Δ 2.34% < -1%) |
| CFO/TA 0.02 > 3% & CFO 12.19b > Net Income 5.83b |
| Net Debt (-13.52b) to EBITDA (8.86b): -1.53 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (2.02b) vs 12m ago -1.36% < -2% |
| Gross Margin: 56.32% > 18% (prev 0.51%; Δ 5.58k% > 0.5%) |
| Asset Turnover: 4.14% > 50% (prev 4.03%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 8.86b / Interest Expense TTM 12.87b) |
Altman Z''
-3.30
| A: -0.53 (Total Current Assets 98.30b - Total Current Liabilities 480.31b) / Total Assets 714.55b |
| B: 0.02 (Retained Earnings 14.42b / Total Assets 714.55b) |
| C: 0.01 (EBIT TTM 7.71b / Avg Total Assets 711.27b) |
| D: 0.06 (Book Value of Equity 43.32b / Total Liabilities 671.94b) |
| Altman-Z'' Score: -3.30 = D |
Beneish M
1.00
| DSRI: 9.83 (Receivables 71.0m/7.00m, Revenue 29.46b/28.56b) |
| GMI: 0.91 (GM 56.32% / 51.28%) |
| AQI: 1.02 (AQ_t 0.86 / AQ_t-1 0.84) |
| SGI: 1.03 (Revenue 29.46b / 28.56b) |
| TATA: -0.01 (NI 5.83b - CFO 12.19b) / TA 714.55b) |
| Beneish M-Score: 4.18 (Cap -4..+1) = D |
What is the price of NWG shares?
As of April 15, 2026, the stock is trading at USD 17.04 with a total of 2,458,165 shares traded.
Over the past week, the price has changed by +11.08%, over one month by +15.48%, over three months by +4.05% and over the past year by +51.70%.
Over the past week, the price has changed by +11.08%, over one month by +15.48%, over three months by +4.05% and over the past year by +51.70%.
Is NWG a buy, sell or hold?
Natwest has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy NWG.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the NWG price?
| Analysts Target Price | 19.1 | 12.3% |
Natwest (NWG) - Fundamental Data Overview
as of 13 April 2026
P/E Trailing = 9.1436 P/E Forward = 8.9127
P/S = 4.1303
P/B = 1.1562
P/EG = 3.7151
Revenue TTM = 29.46b USD
EBIT TTM = 7.71b USD
EBITDA TTM = 8.86b USD
Long Term Debt = 59.80b USD (from longTermDebt, last quarter)
Short Term Debt = 37.00b USD (from shortTermDebt, two quarters ago)
Debt = 71.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -13.52b USD (from netDebt column, last quarter)
Enterprise Value = 39.55b USD (65.96b + Debt 71.83b - CCE 98.23b)
Interest Coverage Ratio = 0.60 (Ebit TTM 7.71b / Interest Expense TTM 12.87b)
EV/FCF = 6.83x (Enterprise Value 39.55b / FCF TTM 5.79b)
FCF Yield = 14.64% (FCF TTM 5.79b / Enterprise Value 39.55b)
FCF Margin = 19.65% (FCF TTM 5.79b / Revenue TTM 29.46b)
Net Margin = 19.79% (Net Income TTM 5.83b / Revenue TTM 29.46b)
Gross Margin = 56.32% ((Revenue TTM 29.46b - Cost of Revenue TTM 12.87b) / Revenue TTM)
Gross Margin QoQ = 58.05% (prev 57.41%)
Tobins Q-Ratio = 0.06 (Enterprise Value 39.55b / Total Assets 714.55b)
Interest Expense / Debt = 4.32% (Interest Expense 3.10b / Debt 71.83b)
Taxrate = 23.81% (462.0m / 1.94b)
NOPAT = 5.87b (EBIT 7.71b * (1 - 23.81%))
Current Ratio = 0.20 (Total Current Assets 98.30b / Total Current Liabilities 480.31b)
Debt / Equity = 1.69 (Debt 71.83b / totalStockholderEquity, last quarter 42.60b)
Debt / EBITDA = -1.53 (Net Debt -13.52b / EBITDA 8.86b)
Debt / FCF = -2.34 (Net Debt -13.52b / FCF TTM 5.79b)
Total Stockholder Equity = 42.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.82% (Net Income 5.83b / Total Assets 714.55b)
RoE = 13.84% (Net Income TTM 5.83b / Total Stockholder Equity 42.13b)
RoCE = 7.56% (EBIT 7.71b / Capital Employed (Equity 42.13b + L.T.Debt 59.80b))
RoIC = 7.27% (NOPAT 5.87b / Invested Capital 80.73b)
WACC = 5.92% (E(65.96b)/V(137.79b) * Re(8.78%) + D(71.83b)/V(137.79b) * Rd(4.32%) * (1-Tc(0.24)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -14.19%
[DCF] Terminal Value 80.82% ; FCFF base≈3.75b ; Y1≈2.46b ; Y5≈1.13b
[DCF] Fair Price = 12.36 (EV 35.75b - Net Debt -13.52b = Equity 49.28b / Shares 3.99b; r=6.0% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 16.77 | EPS CAGR: 26.71% | SUE: 0.01 | # QB: 0
Revenue Correlation: 88.04 | Revenue CAGR: 22.91% | SUE: 3.42 | # QB: 4
EPS next Quarter (2026-06-30): EPS=0.51 | Chg7d=+0.015 | Chg30d=+0.016 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=1.88 | Chg7d=+1.881 | Chg30d=+1.881 | Revisions Net=+0 | Growth EPS=+5.6% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=2.03 | Chg7d=+2.028 | Chg30d=+2.028 | Revisions Net=+0 | Growth EPS=+7.8% | Growth Revenue=+7.4%
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