Renta 4 Banco, S.A. (R4) AI Stock Analysis

• Market Cap: €645.87M
• Dividend Yield: 2.01%
• Average Volume (3M): 6.91K
• Price to Earnings (P/E): 19.0
• Beta (1Y): 0.06
• Revenue Growth: 21.18%
• EPS Growth: 23.01%
• Country: ES
• Employees: 728
• Sector: Financial
• Sector Strength: 81
• Industry: Asset Management
• EPS (TTM): 0.79
• Shares Outstanding: 40,693,203
• 10 Day Avg. Volume: 13,879
• 30 Day Avg. Volume: 6,913
• PEG Ratio: -1.27
• Price to Book (P/B): 3.42
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.98
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: ―

Renta 4 Banco, S.A. scores well overall due to its strong financial stability, evidenced by a zero-debt balance sheet, and positive technical indicators that suggest upward price momentum. The valuation is fair, with a moderate P/E ratio and a solid dividend yield. The absence of earnings call and corporate events data does not impact the score significantly.

Renta 4 Banco, S.A. Business Overview & Revenue Model

Company Description

Renta 4 Banco, S.A. (R4) is a financial services company based in Spain, specializing in investment and asset management solutions. The company operates across several sectors, including brokerage services, investment funds, and private banking, catering to both retail and institutional clients. R4 provides a range of financial products and advisory services to help clients manage and grow their investments effectively.

How the Company Makes Money

Renta 4 Banco, S.A. makes money primarily through fees and commissions derived from its brokerage and asset management services. The company earns revenue by facilitating the buying and selling of securities for its clients, charging transaction fees and commissions on trades executed through its platform. Additionally, R4 generates income from managing investment funds, where they collect management fees based on the assets under management (AUM). The company also offers wealth management and advisory services, for which they charge clients advisory fees. Partnerships with financial institutions and strategic alliances further enhance their service offerings and contribute to their revenue streams. Interest income from proprietary investments and financial products adds another layer to R4's revenue model.

Renta 4 Banco, S.A. Financial Statement Overview

Summary

Renta 4 Banco, S.A. demonstrates a generally stable financial condition. The income statement shows mixed performance with a decline in revenue but an improved net income and profit margin. The balance sheet is strong due to zero debt and improved return on equity, while cash flow generation is solid despite some inefficiencies in converting earnings to cash.

Income Statement

Renta 4 Banco, S.A. has shown a mixed performance in recent years. The company experienced a decline in total revenue from 2023 to 2024, but net income increased, resulting in an improved net profit margin. The gross profit margin is strong, indicating effective cost management. However, the absence of EBIT and EBITDA in 2024 suggests potential challenges in operating efficiency.

Balance Sheet

The balance sheet reveals a solid financial position with zero total debt as of 2024, providing financial stability. The equity ratio indicates a healthy portion of the company's assets is financed by equity. Return on equity has improved, reflecting better utilization of shareholder funds. Overall, the company maintains a strong balance sheet with low leverage risk.

Cash Flow

The cash flow statement shows strong operating cash flow in 2024, significantly increasing compared to the previous year, leading to a robust free cash flow. However, the lack of growth in free cash flow relative to net income may suggest inefficiencies in converting earnings to cash. Despite this, the company maintains positive cash flow trends.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	164.39M	152.84M	200.18M	110.82M	119.98M	95.71M
Gross Profit	131.53M	152.84M	131.54M	99.56M	117.84M	-4.84M
EBITDA	49.19M	0.00	48.24M	0.00	0.00	0.00
Net Income	27.21M	32.14M	26.13M	21.54M	25.34M	18.14M
Balance Sheet
Total Assets	2.16B	2.48B	2.19B	2.41B	2.20B	1.78B
Cash, Cash Equivalents and Short-Term Investments	1.04B	1.54B	900.10M	771.49M	1.19B	744.17M
Total Debt	44.97M	0.00	42.83M	21.80M	19.67M	20.64M
Total Liabilities	2.00B	2.32B	2.05B	2.29B	2.07B	1.66B
Stockholders Equity	150.37M	157.95M	140.08M	116.48M	129.21M	120.77M
Cash Flow
Free Cash Flow	0.00	443.81M	356.71M	-404.64M	469.01M	106.61M
Operating Cash Flow	0.00	463.63M	366.21M	-396.20M	476.58M	113.16M
Investing Cash Flow	0.00	-16.77M	-14.03M	-8.44M	-7.57M	-6.56M
Financing Cash Flow	0.00	4.28M	-30.20M	-18.50M	-17.74M	-13.78M

Renta 4 Banco, S.A. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 15.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:R4, the sentiment is Neutral. The current price of 15.7 is below the 20-day moving average (MA) of 15.97, above the 50-day MA of 14.66, and above the 200-day MA of 12.90, indicating a neutral trend. The MACD of 0.41 indicates Positive momentum. The RSI at 51.93 is Neutral, neither overbought nor oversold. The STOCH value of 12.99 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ES:R4.

Renta 4 Banco, S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SAN	81 Outperform	£103.48B	8.05	13.26%	2.56%	1.26%	20.56%
R4	78 Outperform	€645.87M	18.98	22.52%	2.01%	21.18%	23.01%
BBVA	77 Outperform	€73.87B	7.14	19.33%	6.38%	20.72%	27.50%
Sector *	73 Outperform	€27.71B	11.13	17.20%	4.01%	9.17%	28.21%
CABK	72 Outperform	€51.98B	8.42	17.33%	7.80%	12.50%	24.07%
BKT	71 Outperform	€9.93B	9.71	17.81%	5.42%	8.08%	18.75%

Renta 4 Banco, S.A. Corporate Events

Renta 4 Banco Achieves Strong Q1 2025 Financial Results

Renta 4 Banco reported a significant increase in net profit for the first quarter of 2025, reaching 8.8 million euros, a 28.4% rise from the previous year. The company’s strong financial performance is highlighted by a high CET1 capital ratio and a return on equity that surpasses industry averages, indicating robust operational growth and promising stakeholder implications.

Renta 4 Banco Declares 2024 Dividend Payout

Renta 4 Banco, S.A. has announced a decision from its General Shareholders’ Meeting to distribute a gross dividend of 0.16 euros per share for the fiscal year 2024. This decision reflects the company’s financial performance and commitment to shareholder returns, with key dates for the dividend distribution set for early April 2025.

Renta 4 Banco Shareholders Approve Board Resolutions

Renta 4 Banco, S.A. announced that its General Shareholders’ Meeting approved all resolutions proposed by the Board of Directors. This approval, communicated earlier in February, signifies a unified strategic direction for the company, potentially strengthening its market position and reassuring stakeholders of its governance and operational stability.

Renta 4 Banco Announces 2024 Director Remuneration Policy

Renta 4 Banco, S.A. has outlined its director remuneration policy for 2024, emphasizing alignment with shareholder interests and market conditions. The Appointments and Remuneration Committee, which includes independent directors, oversees this policy to ensure compliance and propose necessary adjustments, meeting quarterly to fulfill its duties.

Renta 4 Banco Announces 2025 Ordinary General Meeting of Shareholders

Renta 4 Banco, S.A. has announced the convening of its Ordinary General Meeting of Shareholders, scheduled for March 31, 2025, in Madrid. The meeting will address key agenda items, including the examination and approval of the 2024 fiscal year’s annual accounts, management reports, and sustainability report, as well as the re-election of directors. This meeting is significant for stakeholders as it will influence the company’s strategic direction and governance for the upcoming year.