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Raiffeisen Bank International AG RAIFY

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Price alert · RAIFY

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15.61 USD -0.63 -3.85%

At close · Oct 30

15.60 Day range 16.06
8.40 52-week range 19.88
YTD
+39.08%
1 year
+73.97%
Open
15.70
Prev close
16.23
Mkt cap
20.49B
Vol
1.28K
Avg vol
35.78K
EPS
2.12
P/E
7.36
More statistics
Low
15.60
High
16.06

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Financial health

Altman Z-Score

-0.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 4

Valuation

P/E 10.4×
FY 2016: 13.2×FY 2017: 9.9×FY 2018: 5.6×FY 2019: 6.3×FY 2020: 7.4×FY 2021: 6.8×FY 2022: 1.4×FY 2023: 2.6×FY 2024: 6.3×FY 2025: 10.4×
FY 2016 5y median 6.3× FY 2025
P/S 1.0×
FY 2016: 1.1×FY 2017: 1.6×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 1.0×
FY 2016 5y median 0.5× FY 2025
P/B 0.6×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.6×
FY 2016 5y median 0.3× FY 2025
P/FCF 5.1×
FY 2016: -4.1×FY 2017: -2.3×FY 2018: 1.0×FY 2019: 1.9×FY 2020: 0.4×FY 2021: 1.2×FY 2022: 0.2×FY 2023: -2.3×FY 2024: -5.8×FY 2025: 5.1×
FY 2016 5y median 0.2× FY 2025
EV/EBITDA 15.1×
FY 2016: 5.6×FY 2017: -1.1×FY 2018: -5.3×FY 2019: -5.1×FY 2020: -15.2×FY 2021: -13.4×FY 2022: -8.9×FY 2023: -6.7×FY 2024: -5.8×FY 2025: 15.1×
FY 2016 5y median -6.7× FY 2025
EV/Sales 3.4×
FY 2016: 1.2×FY 2017: -0.3×FY 2018: -1.6×FY 2019: -1.6×FY 2020: -3.9×FY 2021: -4.3×FY 2022: -3.6×FY 2023: -1.9×FY 2024: -1.5×FY 2025: 3.4×
FY 2016 5y median -1.9× FY 2025
FCF Yield 19.6%
FY 2016: -24.6%FY 2017: -43.8%FY 2018: 102.4%FY 2019: 53.9%FY 2020: 264.0%FY 2021: 84.1%FY 2022: 416.7%FY 2023: -42.9%FY 2024: -17.3%FY 2025: 19.6%
FY 2016 5y median 19.6% FY 2025

Profitability

Gross Margin 69.8%
FY 2016: 80.5%FY 2017: 78.6%FY 2018: 78.9%FY 2019: 77.0%FY 2020: 80.2%FY 2021: 81.6%FY 2022: 81.3%FY 2023: 64.2%FY 2024: 65.4%FY 2025: 69.8%
FY 2016 5y median 69.8% FY 2025
Operating Margin 19.3%
FY 2016: 15.3%FY 2017: 23.8%FY 2018: 25.9%FY 2019: 24.8%FY 2020: 18.7%FY 2021: 26.0%FY 2022: 35.6%FY 2023: 24.8%FY 2024: 22.0%FY 2025: 19.3%
FY 2016 5y median 24.8% FY 2025
Net Margin 10.1%
FY 2016: 8.0%FY 2017: 16.5%FY 2018: 18.8%FY 2019: 17.2%FY 2020: 12.7%FY 2021: 19.9%FY 2022: 30.7%FY 2023: 17.4%FY 2024: 8.5%FY 2025: 10.1%
FY 2016 5y median 17.4% FY 2025
ROE 6.8%
FY 2016: 5.4%FY 2017: 10.5%FY 2018: 10.8%FY 2019: 9.5%FY 2020: 6.0%FY 2021: 9.5%FY 2022: 20.6%FY 2023: 12.8%FY 2024: 6.1%FY 2025: 6.8%
FY 2016 5y median 9.5% FY 2025
ROIC 0.7%
FY 2016: 2.0%FY 2017: 4.9%FY 2018: 5.2%FY 2019: 4.6%FY 2020: 2.7%FY 2021: 3.6%FY 2022: 7.1%FY 2023: 4.8%FY 2024: 3.5%FY 2025: 0.7%
FY 2016 5y median 3.6% FY 2025
ROA 0.6%
FY 2016: 0.4%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.5%FY 2021: 0.7%FY 2022: 1.8%FY 2023: 1.2%FY 2024: 0.6%FY 2025: 0.6%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue -3.6%
FY 2016: -13.5%FY 2017: 17.0%FY 2018: -0.2%FY 2019: 5.5%FY 2020: -11.4%FY 2021: 9.1%FY 2022: 71.3%FY 2023: 16.3%FY 2024: -1.1%FY 2025: -3.6%
FY 2016 FY 2025
Operating Income -15.2%
FY 2016: 24.6%FY 2017: 82.0%FY 2018: 8.8%FY 2019: 0.8%FY 2020: -33.0%FY 2021: 51.3%FY 2022: 134.8%FY 2023: -18.8%FY 2024: -12.5%FY 2025: -15.2%
FY 2016 FY 2025
EPS (diluted) 15.4%
FY 2016: 21.5%FY 2017: 111.4%FY 2018: 15.6%FY 2019: -8.3%FY 2020: -37.3%FY 2021: 75.2%FY 2022: 176.1%FY 2023: -35.4%FY 2024: -54.0%FY 2025: 15.4%
FY 2016 FY 2025
Free Cash Flow 315.4%
FY 2016: -132.1%FY 2017: -214.8%FY 2018: 253.0%FY 2019: -45.6%FY 2020: 260.4%FY 2021: -48.3%FY 2022: 178.8%FY 2023: -112.5%FY 2024: 55.5%FY 2025: 315.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 1.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 1.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 2.4×
FY 2016: 1.5×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 2.4×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 10.9×
FY 2016: 0.5×FY 2017: -6.8×FY 2018: -8.7×FY 2019: -8.4×FY 2020: -18.5×FY 2021: -17.4×FY 2022: -9.9×FY 2023: -8.3×FY 2024: -7.7×FY 2025: 10.9×
FY 2016 5y median -8.3× FY 2025
Interest Coverage 0.7×
FY 2016: 0.8×FY 2017: 1.1×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.9×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 4.7%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 4.8%FY 2019: 5.9%FY 2020: 2.2%FY 2021: 6.1%FY 2022: 2.4%FY 2023: 7.2%FY 2024: 9.2%FY 2025: 4.7%
FY 2016 5y median 6.1% FY 2025
Payout Ratio 44.4%
FY 2016: 8.7%FY 2017: 8.1%FY 2018: 27.0%FY 2019: 34.9%FY 2020: 15.0%FY 2021: 39.1%FY 2022: 3.3%FY 2023: 18.0%FY 2024: 52.3%FY 2025: 44.4%
FY 2016 5y median 39.1% FY 2025

Annual · latest fiscal year ends 2025-12-31