RYSD Stock Financial Analysis - NatWest Group plc (BRSE) Stock

Overview

NatWest Group plc is a leading banking and financial services company based in the United Kingdom. Predominantly focused on the banking sector, with major operations in retail and commercial banking, NatWest has established a substantial footprint across Europe, the Middle East, and the Americas. Key initiatives undertaken by the company aim to enhance digital banking technology, improve customer service, and promote sustainability. The bank actively invests in transformative technology projects to adapt to the rapidly evolving financial landscape, emphasizing cybersecurity, mobile banking innovation, and compliance automation. Additionally, NatWest Group is committed to supporting green financial projects as part of their broader corporate responsibility to foster environmental sustainability within the banking industry.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for NatWest Group plc as of 30 June 2025 is 14,861.00 MM.
The operating income for NatWest Group plc as of 30 June 2025 is 7,063.00 MM.
The net income for NatWest Group plc as of 30 June 2025 is 5,248.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	14,861.00	7,063.00	5,248.00
2025-03-31	14,753.00	6,992.00	5,166.00
2024-12-31	14,344.00	6,490.00	4,802.00
2024-09-30	13,993.00	5,857.00	4,762.00
2024-06-30	13,753.00	5,963.00	4,444.00
2024-03-31	13,747.00	6,010.00	4,274.00
2023-12-31	14,171.00	6,530.00	4,636.00
2023-09-30	14,488.00	6,750.00	4,670.00
2023-06-30	14,211.00	6,370.00	3,997.00
2023-03-31	13,742.00	5,943.00	4,029.00
2022-12-31	12,980.00	5,678.00	3,589.00
2022-09-30	12,271.00	4,479.00	2,763.00
2022-06-30	12,196.00	4,369.00	3,251.00
2022-03-31	12,102.00	4,413.00	3,456.00
2021-12-31	11,747.00	4,074.00	3,268.00
2021-09-30	11,017.00	3,619.00	2,750.00
2021-06-30	10,603.00	3,545.00	2,154.00
2021-03-31	8,088.00	1,149.00	-53.00
2020-12-31	7,687.00	-171.00	-372.00
2020-09-30	8,489.00	1,638.00	1,158.00

Income Statement: EPS

The earnings per share basic for NatWest Group plc as of 30 June 2025 is 0.60.
The earnings per share diluted for NatWest Group plc as of 30 June 2025 is 0.60.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	0.60	0.60
2025-03-31	0.59	0.58
2024-12-31	0.54	0.53
2024-09-30	0.52	0.52
2024-06-30	0.48	0.48
2024-03-31	0.45	0.45
2023-12-31	0.48	0.48
2023-09-30	0.47	0.47
2023-06-30	0.39	0.39
2023-03-31	0.39	0.39
2022-12-31	0.34	0.34
2022-09-30	0.25	0.25
2022-06-30	0.29	0.29
2022-03-31	0.30	0.30
2021-12-31	0.27	0.27
2021-09-30	0.22	0.22
2021-06-30	0.16	0.16
2021-03-31	-0.04	-0.04
2020-12-31	-0.07	-0.07
2020-09-30	0.07	0.07

Cash Flow: Operations, Investing, Financing

The cash from operating activities for NatWest Group plc as of 30 June 2025 is -18,558.00 MM.
The cash from investing activities for NatWest Group plc as of 30 June 2025 is -19,071.00 MM.
The cash from financing activities for NatWest Group plc as of 30 June 2025 is 12,257.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-18,558.00	-19,071.00	12,257.00
2025-03-31
2024-12-31	-9,603.00	-12,699.00	9,489.00
2024-09-30
2024-06-30	26,242.00	-13,385.00	-22,609.00
2024-03-31
2023-12-31	-223.00	-14,694.00	-23,519.00
2023-09-30
2023-06-30	-31,216.00	10,513.00	-42,272.00
2023-03-31
2022-12-31	-8,267.00	19,059.00	-45,982.00
2022-09-30
2022-06-30	-20,130.00	9,568.00	44,532.00
2022-03-31
2021-12-31	-60.00	3,065.00	51,143.00
2021-09-30
2021-06-30	-17,435.00	4,722.00	59,588.00
2021-03-31
2020-12-31	-33,510.00	7,547.00	62,695.00
2020-09-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for NatWest Group plc as of 30 June 2025 is 0.01.
The roe for NatWest Group plc as of 30 June 2025 is 0.14.
The roic for NatWest Group plc as of 30 June 2025 is 0.03.
The croic for NatWest Group plc as of 30 June 2025 is -0.08.
The ocroic for NatWest Group plc as of 30 June 2025 is -0.05.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.14	0.03	-0.08	-0.05
2025-03-31	0.01	0.14	0.03	-0.07	-0.05
2024-12-31	0.01	0.13	0.03	-0.05	0.14
2024-09-30	0.01	0.13	0.03	-0.06	0.15
2024-06-30	0.01	0.11	0.02	-0.21	-0.09
2024-03-31	0.01	0.13	0.03	-0.22	-0.10
2023-12-31	0.01	0.13	0.02	-0.34	-0.17
2023-09-30	0.00	0.10	0.02	-0.35	-0.17
2023-06-30	0.00	0.10	0.02	-0.35	-0.17
2023-03-31	0.01	0.10	0.02	-0.17	-0.23
2022-12-31	0.00	0.09	0.02	-0.16	-0.22
2022-09-30	0.00	0.07	0.01	0.15	-0.09
2022-06-30	0.00	0.07	0.01	0.16	-0.09
2022-03-31	0.00	0.08	0.02	0.26	0.27
2021-12-31	0.00	0.07	0.02	0.25	0.26
2021-09-30	0.00	0.06	0.01	0.22	-0.09
2021-06-30	0.00	0.05	0.01	0.19	-0.08
2021-03-31	-0.00	-0.00	-0.00	0.18	0.13
2020-12-31	-0.00	-0.01	-0.00	0.14	0.11
2020-09-30	0.00	0.03	0.00	0.04	-0.00

Gross Margins

The gross margin for NatWest Group plc as of 30 June 2025 is 1.00.
The net margin for NatWest Group plc as of 30 June 2025 is 0.35.
The operating margin for NatWest Group plc as of 30 June 2025 is 0.47.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.35	0.47
2025-03-31	1.00	0.33	0.45
2024-12-31	1.00	0.34	0.42
2024-09-30	1.00	0.32	0.41
2024-06-30	1.00	0.31	0.41
2024-03-31	1.00	0.33	0.44
2023-12-31	1.00	0.32	0.45
2023-09-30	1.00	0.28	0.43
2023-06-30	1.00	0.28	0.43
2023-03-31	1.00	0.29	0.43
2022-12-31	1.00	0.28	0.40
2022-09-30	1.00	0.22	0.43
2022-06-30	1.00	0.26	0.42
2022-03-31	1.00	0.28	0.43
2021-12-31	1.00	0.28	0.41
2021-09-30	1.00	0.24	0.39
2021-06-30	1.00	0.19	0.39
2021-03-31	1.00	-0.01	0.19
2020-12-31	1.00	-0.05	0.07
2020-09-30	1.00	0.14	0.19

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