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Raiffeisen Bank International AG (DE:RAW)
XETRA:RAW
Germany Market

Raiffeisen Bank International (RAW) Ratios

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Raiffeisen Bank International Ratios

DE:RAW's free cash flow for Q4 2025 was €0.64. For the 2025 fiscal year, DE:RAW's free cash flow was decreased by € and operating cash flow was €0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.86 1.32 0.34 0.35 0.39
Quick Ratio
0.86 1.32 0.34 0.35 0.39
Cash Ratio
0.86 0.86 0.34 0.35 0.39
Solvency Ratio
<0.01 <0.01 <0.01 0.02 0.02
Operating Cash Flow Ratio
0.55 0.20 >-0.01 -0.01 0.13
Short-Term Operating Cash Flow Coverage
0.55 0.20 0.00 0.00 0.00
Net Current Asset Value
€ -176.02B€ -168.79B€ -130.51B€ -126.95B€ -125.44B
Leverage Ratios
Debt-to-Assets Ratio
0.22 0.22 0.11 0.09 0.07
Debt-to-Equity Ratio
2.36 2.36 1.16 1.01 0.87
Debt-to-Capital Ratio
0.70 0.70 0.54 0.50 0.47
Long-Term Debt-to-Capital Ratio
0.61 0.61 0.54 0.50 0.47
Financial Leverage Ratio
10.81 10.81 10.47 10.65 11.74
Debt Service Coverage Ratio
0.10 0.09 0.53 0.60 1.77
Interest Coverage Ratio
1.42 0.67 0.63 0.69 1.91
Debt to Market Cap
3.72 3.62 3.41 3.07 3.05
Interest Debt Per Share
145.66 151.84 81.62 72.36 53.50
Net Debt to EBITDA
11.44 11.48 -7.71 -8.25 -9.91
Profitability Margins
Gross Profit Margin
85.99%58.74%65.39%64.22%81.34%
EBIT Margin
35.29%25.99%21.96%24.84%35.58%
EBITDA Margin
38.57%28.44%25.38%28.48%40.23%
Operating Profit Margin
37.20%26.51%21.96%24.84%35.58%
Pretax Profit Margin
35.56%25.99%21.96%24.84%35.58%
Net Profit Margin
18.25%13.80%8.51%17.37%30.71%
Continuous Operations Profit Margin
21.34%15.79%14.95%17.87%28.31%
Net Income Per EBT
51.32%53.10%38.77%69.93%86.30%
EBT Per EBIT
95.61%98.03%100.00%100.00%100.00%
Return on Assets (ROA)
0.64%0.65%0.58%1.20%1.75%
Return on Equity (ROE)
6.81%7.05%6.06%12.81%20.56%
Return on Capital Employed (ROCE)
1.41%1.35%5.20%6.69%8.89%
Return on Invested Capital (ROIC)
0.80%0.76%3.54%4.81%7.08%
Return on Tangible Assets
0.64%0.66%0.58%1.21%1.76%
Earnings Yield
10.97%10.91%17.86%38.96%71.82%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
5.28 7.13 10.46 10.90 9.11
Asset Turnover
0.03 0.05 0.07 0.07 0.06
Working Capital Turnover Ratio
-0.14 -0.22 -0.14 -0.14 -0.12
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
26.07 9.46 -1.96 -6.00 63.74
Free Cash Flow Per Share
24.41 7.80 -3.48 -7.80 62.26
CapEx Per Share
1.67 1.67 1.52 1.80 1.47
Free Cash Flow to Operating Cash Flow
0.94 0.82 1.77 1.30 0.98
Dividend Paid and CapEx Coverage Ratio
7.40 2.69 -0.58 -1.93 34.77
Capital Expenditure Coverage Ratio
15.63 5.67 -1.29 -3.32 43.32
Operating Cash Flow Coverage Ratio
0.19 0.07 -0.03 -0.10 1.36
Operating Cash Flow to Sales Ratio
1.16 0.31 -0.05 -0.14 1.78
Free Cash Flow Yield
65.40%20.35%-17.60%-41.79%405.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.11 9.16 5.60 2.57 1.39
Price-to-Sales (P/S) Ratio
1.66 1.26 0.48 0.45 0.43
Price-to-Book (P/B) Ratio
0.63 0.65 0.34 0.33 0.29
Price-to-Free Cash Flow (P/FCF) Ratio
1.53 4.91 -5.68 -2.39 0.25
Price-to-Operating Cash Flow Ratio
1.43 4.05 -10.07 -3.11 0.24
Price-to-Earnings Growth (PEG) Ratio
<0.01 0.46 -0.10 -0.07 <0.01
Price-to-Fair Value
0.63 0.65 0.34 0.33 0.29
Enterprise Value Multiple
15.76 15.93 -5.83 -6.69 -8.85
Enterprise Value
44.68B 45.00B -20.11B -26.16B -42.05B
EV to EBITDA
15.76 15.93 -5.83 -6.69 -8.85
EV to Sales
6.08 4.53 -1.48 -1.90 -3.56
EV to Free Cash Flow
5.58 17.60 17.64 10.22 -2.05
EV to Operating Cash Flow
5.22 14.50 31.28 13.30 -2.01
Tangible Book Value Per Share
60.15 60.15 58.96 57.56 54.29
Shareholders’ Equity Per Share
59.30 59.30 58.17 56.77 53.61
Tax and Other Ratios
Effective Tax Rate
0.39 0.39 0.32 0.28 0.20
Revenue Per Share
22.42 30.29 41.43 41.88 35.90
Net Income Per Share
4.09 4.18 3.53 7.27 11.02
Tax Burden
0.51 0.53 0.39 0.70 0.86
Interest Burden
1.01 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.16 0.24 0.07 0.06 0.07
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
4.40 2.48 -0.22 -0.82 4.99
Currency in EUR