RBI Stock Analysis: Raiffeisen Bank | VI
Banks - Regional | VI, Austria | Market Cap: 18.518m EUR | 12M Return: 138.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.6M
EPS Trend: -83.7%
Qual. Beats: -1
Rev. Trend: -30.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Raiffeisen Bank International AG (RBI) is an Austrian universal bank headquartered in Vienna and founded in 1886. It provides corporate, retail, and institutional banking services, including cash management, trade and export finance, factoring, project and structured financing, leasing, digital banking, and investment banking services such as M&A advisory and capital markets. Its client base spans multiple industries, including agri-food, manufacturing, energy, real estate, healthcare, technology, and utilities.
The bank serves retail customers and small and medium-sized enterprises with wealth management, accounts, clearing, settlement, and instant payment services. It operates a network of branches across Central, Southeastern, and Eastern Europe, including Austria, Czech Republic, Hungary, Poland, Slovakia, and the Balkans, as well as Ukraine and Russia. As a GICS-classified Regional Bank, RBI operates under European Union banking regulation, which imposes unified capital, liquidity, and supervisory standards on institutions operating in the eurozone and broader single market.
- Russia exposure drives valuation discount amid sanctions and divestment uncertainty
- Net interest margins benefit from ECB rate environment across CEE operations
- Currency depreciation in CEE markets pressures foreign-currency earnings translation
| Net Income: 1.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.88 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.04 > 3% & CFO 9.07b > Net Income 1.06b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (328.3m) vs 12m ago -0.02% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 3.81% > 50% (prev 5.43%; Δ -1.61% > 0%) |
| Interest Coverage Ratio: 0.58 > 6 (EBIT TTM 2.29b / Interest Expense TTM 3.95b) |
As of July 28, 2026, the stock is trading at EUR 55.80 with a total of 247,404 shares traded. Over the past week, the price has changed by +4.30%, over one month by +1.92%, over three months by +26.47% and over the past year by +138.10%.
Current recommended Stop Loss: 51.40 (which is 7.9% or 2.3 ATR below the current price).
Raiffeisen Bank has no consensus analysts rating.
P/E Trailing = 18.1936
P/E Forward = 6.3251
P/S = 2.0966
P/B = 0.8742
P/EG = 2.8379
Revenue TTM = 8.07b EUR
EBIT TTM = 2.29b EUR
EBITDA TTM = 2.80b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 18.5b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.58 (Ebit TTM 2.29b / Interest Expense TTM 3.95b)
EV/FCF = 2.17x (Enterprise Value 18.5b / FCF TTM 8.52b)
FCF Yield = 46.03% (FCF TTM 8.52b / Enterprise Value 18.5b)
FCF Margin = 105.6% (FCF TTM 8.52b / Revenue TTM 8.07b)
Net Margin = 13.17% (Net Income TTM 1.06b / Revenue TTM 8.07b)
Gross Margin = unknown ((Revenue TTM 8.07b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.08 (Enterprise Value 18.5b / Total Assets 218b)
Interest Expense / Debt = unknown (Interest Expense 3.95b / Debt none)
Taxrate = 43.51% (996.0m / 2.29b)
NOPAT = 1.29b (EBIT 2.29b * (1 - 43.51%))
Current Ratio = unknown (Total Current Assets 46.9b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 2.80b)
Debt / FCF = unknown (Net Debt none / FCF TTM 8.52b)
Total Stockholder Equity = 20.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 1.06b / Total Assets 218b)
RoE = 5.10% (Net Income TTM 1.06b / Total Stockholder Equity 20.8b)
RoCE = unknown (EBIT 2.29b / Capital Employed )
RoIC = unknown (NOPAT 1.29b, Invested Capital 0.0, EBIT 2.29b)
WACC = 9.70% (E(18.5b)/V(18.5b) * Re(9.70%) + (debt-free company))
Discount Rate = 9.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -28.72 | Cagr: -0.06%
[DCF] Terminal Value 73.73% ; FCFF base≈5.14b ; Y1≈5.89b ; Y5≈8.67b
[DCF] Fair Price = 320.8 (EV 105b - Net Debt 0.0 = Equity 105b / Shares 328.3m; r=9.70% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -83.65 | EPS CAGR: -33.39% | SUE: -1.98 | # QB: -1
Revenue Correlation: -30.79 | Revenue CAGR: -3.76% | SUE: 0.05 | # QB: 0
EPS current Quarter (2026-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS next Quarter (2026-06-30): EPS=2.16 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=6.23 | Chg30d=-0.02% | Revisions=+40% | GrowthEPS=+63.1% | GrowthRev=-3.3%
EPS next Year (2027-12-31): EPS=6.49 | Chg30d=+0.33% | Revisions=+17% | GrowthEPS=+4.2% | GrowthRev=+0.4%
[Analyst] Revisions Ratio: +38% (up=4, down=1)