Raiffeisen Bank International AG Logo

Raiffeisen Bank International AG

RAW.DE

(1.8)
Stock Price

17,88 EUR

1.18% ROA

13.86% ROE

2.32x PER

Market Cap.

5.750.415.710,00 EUR

295.76% DER

11.71% Yield

18.05% NPM

Raiffeisen Bank International AG Stock Analysis

Raiffeisen Bank International AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Raiffeisen Bank International AG Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.47%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

With a remarkably low PBV ratio (0.29x), the stock offers substantial upside potential at a bargain price.

3 ROA

The stock's ROA (1.54%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

5 Buffet Intrinsic Value

The company's stock seems undervalued (75) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 DER

The stock is burdened with a heavy load of debt (103%), making it financially unstable and potentially risky for investors.

7 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Raiffeisen Bank International AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Raiffeisen Bank International AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Raiffeisen Bank International AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Raiffeisen Bank International AG Revenue
Year Revenue Growth
2002 535.714.000
2003 776.790.000 31.03%
2004 1.431.049.000 45.72%
2005 2.023.590.000 29.28%
2006 2.964.063.000 31.73%
2007 3.873.228.000 23.47%
2008 5.090.624.000 23.91%
2009 4.578.498.000 -11.19%
2010 6.387.140.000 28.32%
2011 6.677.337.000 4.35%
2012 6.226.285.000 -7.24%
2013 6.146.462.000 -1.3%
2014 6.174.921.000 0.46%
2015 5.129.436.000 -20.38%
2016 4.695.162.000 -9.25%
2017 5.349.421.000 12.23%
2018 5.478.209.000 2.35%
2019 5.397.988.000 -1.49%
2020 5.239.034.000 -3.03%
2021 5.635.000.000 7.03%
2022 9.613.000.000 41.38%
2023 9.116.000.000 -5.45%
2023 15.000.000.000 39.23%
2024 15.832.000.000 5.26%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Raiffeisen Bank International AG Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Raiffeisen Bank International AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 510.407.000
2003 658.636.000 22.51%
2004 347.665.000 -89.45%
2005 480.319.000 27.62%
2006 387.518.000 -23.95%
2007 484.653.000 20.04%
2008 609.150.000 20.44%
2009 515.456.000 -18.18%
2010 671.376.000 23.22%
2011 3.120.440.000 78.48%
2012 709.297.000 -339.93%
2013 710.845.000 0.22%
2014 664.899.000 -6.91%
2015 621.646.000 -6.96%
2016 604.084.000 -2.91%
2017 702.091.000 13.96%
2018 916.703.000 23.41%
2019 779.142.000 -17.66%
2020 762.901.000 -2.13%
2021 777.000.000 1.81%
2022 876.000.000 11.3%
2023 776.000.000 -12.89%
2023 878.000.000 11.62%
2024 1.272.000.000 30.97%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Raiffeisen Bank International AG EBITDA
Year EBITDA Growth
2002 289.492.000
2003 475.906.000 39.17%
2004 280.457.000 -69.69%
2005 491.298.000 42.92%
2006 1.568.424.000 68.68%
2007 1.327.965.000 -18.11%
2008 1.576.402.000 15.76%
2009 538.056.000 -192.98%
2010 1.537.919.000 65.01%
2011 1.738.625.000 11.54%
2012 1.372.885.000 -26.64%
2013 1.150.065.000 -19.37%
2014 325.263.000 -253.58%
2015 956.035.000 65.98%
2016 1.071.810.000 10.8%
2017 1.781.525.000 39.84%
2018 1.936.031.000 7.98%
2019 2.077.412.000 6.81%
2020 1.572.439.000 -32.11%
2021 2.142.000.000 26.59%
2022 5.035.000.000 57.46%
2023 5.040.000.000 0.1%
2023 259.000.000 -1845.95%
2024 -1.480.000.000 117.5%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Raiffeisen Bank International AG Gross Profit
Year Gross Profit Growth
2002 535.714.000
2003 776.790.000 31.03%
2004 1.431.049.000 45.72%
2005 2.023.590.000 29.28%
2006 2.964.063.000 31.73%
2007 3.873.228.000 23.47%
2008 5.090.624.000 23.91%
2009 4.578.498.000 -11.19%
2010 6.387.140.000 28.32%
2011 6.677.337.000 4.35%
2012 6.226.285.000 -7.24%
2013 6.146.462.000 -1.3%
2014 6.174.921.000 0.46%
2015 5.129.436.000 -20.38%
2016 4.695.162.000 -9.25%
2017 5.349.421.000 12.23%
2018 5.478.209.000 2.35%
2019 5.397.988.000 -1.49%
2020 5.239.034.000 -3.03%
2021 5.635.000.000 7.03%
2022 9.613.000.000 41.38%
2023 9.116.000.000 -5.45%
2023 8.911.000.000 -2.3%
2024 15.832.000.000 43.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Raiffeisen Bank International AG Net Profit
Year Net Profit Growth
2002 136.045.000
2003 227.447.000 40.19%
2004 209.437.000 -8.6%
2005 382.334.000 45.22%
2006 1.182.126.000 67.66%
2007 841.258.000 -40.52%
2008 981.986.000 14.33%
2009 212.181.000 -362.81%
2010 1.087.476.000 80.49%
2011 967.663.000 -12.38%
2012 725.381.000 -33.4%
2013 557.336.000 -30.15%
2014 -492.738.000 213.11%
2015 378.850.000 230.06%
2016 463.104.000 18.19%
2017 1.116.056.000 58.51%
2018 1.269.838.000 12.11%
2019 1.227.035.000 -3.49%
2020 804.000.000 -52.62%
2021 1.372.000.000 41.4%
2022 3.627.000.000 62.17%
2023 3.516.000.000 -3.16%
2023 2.386.000.000 -47.36%
2024 2.644.000.000 9.76%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Raiffeisen Bank International AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 2
2003 3 66.67%
2004 185 98.37%
2005 3 -9100%
2006 8 71.43%
2007 6 -40%
2008 6 16.67%
2009 1 0%
2010 4 100%
2011 4 -33.33%
2012 3 -50%
2013 2 -100%
2014 -2 200%
2015 1 200%
2016 2 0%
2017 3 66.67%
2018 4 0%
2019 4 0%
2020 2 -50%
2021 4 33.33%
2022 11 70%
2023 0 0%
2023 7 100%
2024 8 14.29%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Raiffeisen Bank International AG Free Cashflow
Year Free Cashflow Growth
2002 -360.122.000
2003 915.047.000 139.36%
2004 140.380.000 -551.84%
2005 -634.676.000 122.12%
2006 -76.886.000 -725.48%
2007 -2.100.193.000 96.34%
2008 4.135.181.000 150.79%
2009 -3.023.673.000 236.76%
2010 -829.240.000 -264.63%
2011 1.287.565.000 164.4%
2012 -4.497.446.000 128.63%
2013 555.475.000 909.66%
2014 5.066.870.000 89.04%
2015 4.687.834.000 -8.09%
2016 -1.505.486.000 411.38%
2017 -4.739.238.000 68.23%
2018 7.253.232.000 165.34%
2019 3.884.486.000 -86.72%
2020 14.212.802.000 72.67%
2021 7.348.000.000 -93.42%
2022 20.485.000.000 64.13%
2023 -161.000.000 12823.6%
2023 4.985.000.000 103.23%
2024 -593.000.000 940.64%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Raiffeisen Bank International AG Operating Cashflow
Year Operating Cashflow Growth
2002 -179.464.000
2003 1.093.744.000 116.41%
2004 389.311.000 -180.94%
2005 -361.610.000 207.66%
2006 382.669.000 194.5%
2007 -1.507.014.000 125.39%
2008 4.798.291.000 131.41%
2009 -2.606.312.000 284.1%
2010 -210.534.000 -1137.95%
2011 1.867.870.000 111.27%
2012 -3.966.306.000 147.09%
2013 1.005.932.000 494.29%
2014 5.482.149.000 81.65%
2015 5.015.904.000 -9.3%
2016 -1.142.106.000 539.18%
2017 -4.368.235.000 73.85%
2018 7.566.953.000 157.73%
2019 4.453.352.000 -69.92%
2020 14.648.121.000 69.6%
2021 7.799.000.000 -87.82%
2022 20.969.000.000 62.81%
2023 -50.000.000 42038%
2023 5.577.000.000 100.9%
2024 -475.000.000 1274.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Raiffeisen Bank International AG Capital Expenditure
Year Capital Expenditure Growth
2002 180.658.000
2003 178.697.000 -1.1%
2004 248.931.000 28.21%
2005 273.066.000 8.84%
2006 459.555.000 40.58%
2007 593.179.000 22.53%
2008 663.110.000 10.55%
2009 417.361.000 -58.88%
2010 618.706.000 32.54%
2011 580.305.000 -6.62%
2012 531.140.000 -9.26%
2013 450.457.000 -17.91%
2014 415.279.000 -8.47%
2015 328.070.000 -26.58%
2016 363.380.000 9.72%
2017 371.003.000 2.05%
2018 313.721.000 -18.26%
2019 568.866.000 44.85%
2020 435.319.000 -30.68%
2021 451.000.000 3.48%
2022 484.000.000 6.82%
2023 111.000.000 -336.04%
2023 592.000.000 81.25%
2024 118.000.000 -401.69%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Raiffeisen Bank International AG Equity
Year Equity Growth
2002 814.939.000
2003 924.005.000 11.8%
2004 2.177.031.000 57.56%
2005 3.276.363.000 33.55%
2006 4.589.583.000 28.61%
2007 6.622.138.000 30.69%
2008 6.518.206.000 -1.59%
2009 7.000.182.000 6.89%
2010 10.403.924.000 32.72%
2011 10.935.785.000 4.86%
2012 10.872.892.000 -0.58%
2013 10.363.798.000 -4.91%
2014 8.301.836.000 -24.84%
2015 8.500.966.000 2.34%
2016 9.232.130.000 7.92%
2017 11.241.349.000 17.87%
2018 12.413.357.000 9.44%
2019 13.764.983.000 9.82%
2020 14.288.045.000 3.66%
2021 15.475.000.000 7.67%
2022 17.154.000.000 9.79%
2023 19.851.000.000 13.59%
2023 18.240.000.000 -8.83%
2024 19.474.000.000 6.34%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Raiffeisen Bank International AG Assets
Year Assets Growth
2002 14.151.029.000
2003 19.784.475.000 28.47%
2004 2.177.031.000 -808.78%
2005 3.276.363.000 33.55%
2006 55.866.995.000 94.14%
2007 72.742.805.000 23.2%
2008 85.396.985.000 14.82%
2009 76.275.329.000 -11.96%
2010 131.173.114.000 41.85%
2011 146.985.003.000 10.76%
2012 136.116.023.000 -7.99%
2013 130.639.813.000 -4.19%
2014 121.623.883.000 -7.41%
2015 114.426.583.000 -6.29%
2016 111.863.845.000 -2.29%
2017 135.146.339.000 17.23%
2018 140.115.155.000 3.55%
2019 152.199.504.000 7.94%
2020 165.958.871.000 8.29%
2021 192.101.000.000 13.61%
2022 207.057.000.000 7.22%
2023 204.175.000.000 -1.41%
2023 198.241.000.000 -2.99%
2024 209.963.000.000 5.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Raiffeisen Bank International AG Liabilities
Year Liabilities Growth
2002 0
2003 0 0%
2004 1.343.338.000 100%
2005 1.514.898.000 11.32%
2006 51.277.412.000 97.05%
2007 66.120.667.000 22.45%
2008 5.077.839.000 -1202.14%
2009 4.996.936.000 -1.62%
2010 21.341.425.000 76.59%
2011 19.260.916.000 -10.8%
2012 17.972.131.000 -7.17%
2013 16.285.866.000 -10.35%
2014 15.471.045.000 -5.27%
2015 12.360.805.000 -25.16%
2016 12.812.883.000 3.53%
2017 12.017.636.000 -6.62%
2018 9.462.657.000 -27%
2019 10.294.338.000 8.08%
2020 11.574.577.000 11.06%
2021 12.409.000.000 6.72%
2022 189.903.000.000 93.47%
2023 19.236.000.000 -887.23%
2023 180.001.000.000 89.31%
2024 190.489.000.000 5.51%

Raiffeisen Bank International AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
41.78
Net Income per Share
7.54
Price to Earning Ratio
2.32x
Price To Sales Ratio
0.42x
POCF Ratio
1.11
PFCF Ratio
1.24
Price to Book Ratio
0.32
EV to Sales
0.43
EV Over EBITDA
7.51
EV to Operating CashFlow
1.15
EV to FreeCashFlow
1.28
Earnings Yield
0.43
FreeCashFlow Yield
0.81
Market Cap
5,75 Bil.
Enterprise Value
5,94 Bil.
Graham Number
97.03
Graham NetNet
-445.42

Income Statement Metrics

Net Income per Share
7.54
Income Quality
1.9
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.66
EBT Per Ebit
1.08
Ebit per Revenue
0.25
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.88
Operating Profit Margin
0.25
Pretax Profit Margin
0.27
Net Profit Margin
0.18

Dividends

Dividend Yield
0.12
Dividend Yield %
11.71
Payout Ratio
0.37
Dividend Per Share
2.05

Operating Metrics

Operating Cashflow per Share
15.77
Free CashFlow per Share
14.14
Capex to Operating CashFlow
0.1
Capex to Revenue
0.04
Capex to Depreciation
1.12
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.63

Balance Sheet

Cash per Share
134,62
Book Value per Share
59,30
Tangible Book Value per Share
56.27
Shareholders Equity per Share
55.5
Interest Debt per Share
172.07
Debt to Equity
2.96
Debt to Assets
0.26
Net Debt to EBITDA
0.24
Current Ratio
0.42
Tangible Asset Value
18,48 Bil.
Net Current Asset Value
-139,18 Bil.
Invested Capital
-69837000000
Working Capital
-72,16 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
9.37

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Raiffeisen Bank International AG Dividends
Year Dividends Growth
2011 1
2012 1 0%
2013 1 0%
2014 1 0%
2018 1 0%
2019 1 0%
2020 2 100%
2021 1 -100%
2022 1 0%
2023 1 0%
2024 1 100%

Raiffeisen Bank International AG Profile

About Raiffeisen Bank International AG

Raiffeisen Bank International AG, together with its subsidiaries, provides corporate, retail, and investment banking services. The company offers cross border accounts; and cash management services, such as account, reporting, payment, clearing, settlement, and cash pooling services; electronic banking; and SEPA and cross-border payments to billing solutions. It also provides investor services, including custody and fund administration services, as well as execution services comprising electronic sales trading, direct market access, and fund brokerage services; trade, working capital, export, sustainable, and real estate finance services, as well as commodity and structured trade, project, and supply chain finance products; and cards. In addition, the company offers bank guarantees, sureties, and letters of credit, as well as documentary collection products; hedging, factoring, and leasing services; and fixed income, money market and securities, asset management, and structured products for corporate and institutional customers. Further, it arranges syndicated loans and structure asset based finance transactions; and assists clients in mergers, acquisitions, sales, and privatizations. As of December 31, 2020, the company operated through a network of 1,857 business outlets in Central, Southeastern, and Eastern Europe. Raiffeisen Bank International AG was founded in 1886 and is headquartered in Vienna, Austria.

CEO
Dr. Johann Strobl
Employee
44.837
Address
Am Stadtpark 9
Vienna, 1030

Raiffeisen Bank International AG Executives & BODs

Raiffeisen Bank International AG Executives & BODs
# Name Age
1 Dr. Johann Strobl
Chairman of the Management Board & Chief Executive Officer
70
2 Magistrate Marie-Valerie Brunner
Member of the Management Board & CIB Customer Coverage
70
3 Dr. Helmut Breit
Head of Corporate Finance
70
4 Magistrate Andreas Gschwenter
Chief Operating Officer, Chief Information Officer & Member of Management Board
70
5 Dr. Hannes Mosenbacher
Chief Risk Officer & Member of Management Board
70
6 Dr. Andrii Serhiyovych Stepanenko
Member of Management Board & Retail Banking Executive
70
7 Magistrate Lukasz Janusz Januszewski
Member of Management Board & CIB Products & Solutions
70
8 Ms. Sabine Abfalter
Chief Financial Officer
70
9 Mr. Harald Schönauer
Head of Investment Banking
70
10 Mr. Peter Schmutzer
Head of Group Compliance
70

Raiffeisen Bank International AG Competitors