(RYSD) NatWest - Ratings and Ratios
Banking, Mortgages, Loans, Deposits, Wealth
RYSD EPS (Earnings per Share)
RYSD Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 29.7% |
| Value at Risk 5%th | 46.8% |
| Reward | |
|---|---|
| Sharpe Ratio | 1.37 |
| Alpha | 32.70 |
| Character | |
|---|---|
| Hurst Exponent | 0.521 |
| Beta | 1.341 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.91% |
| Mean DD | 8.11% |
Description: RYSD NatWest October 14, 2025
NatWest Group plc (XETRA: RYSD) is a UK-based universal bank operating through three main segments: Retail Banking, Private Banking, and Commercial & Institutional. The Retail arm delivers everyday banking services-current accounts, mortgages, unsecured consumer credit, and deposits-primarily via digital channels. Private Banking targets high-net-worth clients with wealth-management and advisory solutions, while the Commercial & Institutional division serves large corporates, multinationals, and financial institutions with credit, treasury, and capital-raising products.
Key performance indicators as of the latest FY2023 release show a net interest margin (NIM) of 2.1 % and a return on tangible equity (ROTE) of 9.5 %, reflecting the bank’s earnings sensitivity to the UK interest-rate environment. The CET1 capital ratio stands at 13.2 %, comfortably above regulatory minima, but loan-loss provisions have risen to £2.6 bn amid heightened credit-risk concerns in the UK housing market.
Strategic drivers for NatWest include the Bank of England’s policy rate trajectory, which directly impacts NIM and mortgage profitability, and the ongoing digital transformation that has lifted online-banking usage to 70 % of retail transactions. Additionally, macro-economic factors such as UK GDP growth (forecast ≈ 0.5 % YoY) and inflationary pressure on household disposable income remain material to loan demand and credit quality.
For a deeper quantitative view of NatWest’s valuation metrics, you may find the ValueRay platform useful.
RYSD Stock Overview
| Market Cap in USD | 35,152m |
| IPO / Inception | |
| Return 12m vs S&P 500 | +31.20% |
| Analyst Rating | - |
RYSD Dividends
| Dividend Yield | 4.74% |
| Yield on Cost 5y | 27.86% |
| Yield CAGR 5y | 45.83% |
| Payout Consistency | 53.3% |
| Payout Ratio | 36.8% |
RYSD Growth Ratios
| CAGR | 40.01% |
| CAGR/Max DD Calmar Ratio | 1.03 |
| CAGR/Mean DD Pain Ratio | 4.94 |
| Current Volume | 179.5k |
| Average Volume | 91.7k |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (5.25b TTM) > 0 and > 6% of Revenue (6% = 929.4m TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 2.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.00 (>3.0%) and CFO 1.77b <= Net Income 5.25b (YES >=105%, WARN >=100%) |
| error: Net Debt/EBITDA cannot be calculated |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (8.09b) change vs 12m ago -2.63% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 87.35%; Δ 12.65pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.24% (prev 2.05%; Δ 0.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.50 (EBITDA TTM 21.44b / Interest Expense TTM 13.58b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 68.60
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -1.09% = -0.54 |
| 3. FCF Margin 4.48% = 1.12 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC (= 8.76)% = 10.95 |
| 7. RoE 13.01% = 1.08 |
| 8. Rev. Trend 56.68% = 4.25 |
| 9. EPS Trend 74.69% = 3.73 |
What is the price of RYSD shares?
Over the past week, the price has changed by +1.92%, over one month by +8.65%, over three months by +9.87% and over the past year by +48.81%.
Is NatWest a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RYSD is around 7.55 EUR . This means that RYSD is currently undervalued and has a potential upside of +10.87% (Margin of Safety).
Is RYSD a buy, sell or hold?
What are the forecasts/targets for the RYSD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 8.6 | 26.3% |
RYSD Fundamental Data Overview January 01, 1970
Market Cap GBP = 26.75b (30.45b EUR * 0.8785 EUR.GBP)
P/E Forward = 8.5911
P/S = 2.9124
P/B = 1.0507
P/EG = 0.5346
Beta = 1.341
Revenue TTM = 15.49b GBP
EBIT TTM = 20.33b GBP
EBITDA TTM = 21.44b GBP
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = -63.95b GBP (26.75b + (null Debt) - CCE 90.71b)
Interest Coverage Ratio = 1.50 (Ebit TTM 20.33b / Interest Expense TTM 13.58b)
FCF Yield = -1.09% (FCF TTM 694.0m / Enterprise Value -63.95b)
FCF Margin = 4.48% (FCF TTM 694.0m / Revenue TTM 15.49b)
Net Margin = 33.88% (Net Income TTM 5.25b / Revenue TTM 15.49b)
Gross Margin = 100.0% ((Revenue TTM 15.49b - Cost of Revenue TTM 0.0) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 100.0%)
Tobins Q-Ratio = -0.09 (set to none) (Enterprise Value -63.95b / Total Assets 690.34b)
Interest Expense / Debt = unknown (Interest Expense 3.26b / Debt none)
Taxrate = 24.76% (439.0m / 1.77b)
NOPAT = 15.30b (EBIT 20.33b * (1 - 24.76%))
Current Ratio = unknown (Total Current Assets 90.71b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 21.44b)
Debt / FCF = unknown (Net Debt none / FCF TTM 694.0m)
Total Stockholder Equity = 40.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 5.25b / Total Assets 690.34b)
RoE = 13.01% (Net Income TTM 5.25b / Total Stockholder Equity 40.35b)
RoCE = unknown (EBIT 20.33b / Capital Employed )
RoIC = 19.72% (NOPAT 15.30b / Invested Capital 77.58b)
WACC = 10.96% (E(26.75b)/V(26.75b) * Re(10.96%) + (debt-free company))
Discount Rate = 10.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.09%
[DCF Debug] Terminal Value 68.45% ; FCFE base≈694.0m ; Y1≈697.4m ; Y5≈747.2m
Fair Price DCF = 0.87 (DCF Value 8.40b / Shares Outstanding 9.66b; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: 74.69 | EPS CAGR: 17.17% | SUE: 2.03 | # QB: 2
Revenue Correlation: 56.68 | Revenue CAGR: 15.49% | SUE: N/A | # QB: 0