ScoreWhy is NatWest Group Plc ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.68% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.68% signifying inadequate buffers against its risk based assets
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at GBP 3,441 MM
- ROCE(HY) Highest at 0.77%
- DIVIDEND PER SHARE(HY) Highest at GBP 0
4
With ROA of 0.61%, it has a attractive valuation with a 1.23 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 27.11%, its profits have risen by 24.7% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to NatWest Group Plc should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is NatWest Group Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
NatWest Group Plc
27.11%
3.88
30.51%
FTSE 100
20.04%
1.43
14.02%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.61%
EBIT Growth (5y)
32.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
47.77%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.23
EV to EBIT
17.67
EV to EBITDA
15.05
EV to Capital Employed
1.08
EV to Sales
4.56
PEG Ratio
0.29
Dividend Yield
471.82%
ROCE (Latest)
6.12%
ROE (Latest)
14.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at GBP 3,441 MM
ROCE(HY)
Highest at 0.77%
DIVIDEND PER SHARE(HY)
Highest at GBP 0
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 89.89%
NET SALES(Q)
Highest at GBP 6,543 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.77%
CASH AND EQV(HY)
Lowest at GBP 169,868 MM
Here's what is working for NatWest Group Plc
NII
Highest at GBP 3,441 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 1.18%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Dividend per share
Highest at GBP 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
Net Sales
Highest at GBP 6,543 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Credit Deposit Ratio
Highest at 89.89%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for NatWest Group Plc
Cash and Eqv
Lowest at GBP 169,868 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 16.4%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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