OTCPK:RAIF.F

Stock Analysis Report

Raiffeisen Bank International

Executive Summary

Raiffeisen Bank International AG, together with its subsidiaries, provides corporate, retail, and investment banking services.

Snowflake

Fundamentals

Good value with adequate balance sheet and pays a dividend.


Similar Companies

Share Price & News

How has Raiffeisen Bank International's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:RAIF.F

-1.8%

US Banks

0.2%

US Market


1 Year Return

n/a

OTCPK:RAIF.F

-15.3%

US Banks

-0.7%

US Market

No trading data on RAIF.F.

No trading data on RAIF.F.


Share holder returns

RAIF.FIndustryMarket
7 Day0%-1.8%0.2%
30 Dayn/a-6.4%-2.7%
90 Dayn/a-4.0%1.6%
1 Yearn/a-12.9%-15.3%1.6%-0.7%
3 Year77.9%77.9%41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Raiffeisen Bank International's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Raiffeisen Bank International undervalued based on future cash flows and its price relative to the stock market?

32%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Raiffeisen Bank International's share price is below the future cash flow value, and at a moderate discount (> 20%).

Raiffeisen Bank International's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Raiffeisen Bank International is good value based on earnings compared to the US Banks industry average.

Raiffeisen Bank International is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Raiffeisen Bank International is poor value based on expected growth next year.


Price Based on Value of Assets

Raiffeisen Bank International is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Raiffeisen Bank International expected to perform in the next 1 to 3 years based on estimates from 16 analysts?

6.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Raiffeisen Bank International's revenue is expected to grow by 4.9% yearly, however this is not considered high growth (20% yearly).

Raiffeisen Bank International's earnings are expected to grow by 6.1% yearly, however this is not considered high growth (20% yearly).

Raiffeisen Bank International's revenue growth is positive but not above the United States of America market average.

Raiffeisen Bank International's earnings growth is positive but not above the United States of America market average.

Raiffeisen Bank International's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Raiffeisen Bank International is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Raiffeisen Bank International performed over the past 5 years?

48.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Raiffeisen Bank International has delivered over 20% year on year earnings growth in the past 5 years.

Raiffeisen Bank International's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Raiffeisen Bank International's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Raiffeisen Bank International has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Raiffeisen Bank International used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Raiffeisen Bank International improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Raiffeisen Bank International's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Raiffeisen Bank International has an acceptable proportion of non-loan assets held.

Raiffeisen Bank International has a low allowance for bad loans.

Raiffeisen Bank International's liabilities are made up of primarily low risk sources of funding.

Raiffeisen Bank International's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Raiffeisen Bank International are broadly funded by customer deposits.

Raiffeisen Bank International has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Raiffeisen Bank International's current dividend yield, its reliability and sustainability?

6.47%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Raiffeisen Bank International's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

Raiffeisen Bank International's dividend is above the markets top 25% of dividend payers in United States of America (3.83%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

No dividend growth in 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.3x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.4x coverage).


Next Steps

Management

What is the CEO of Raiffeisen Bank International's salary, the management and board of directors tenure and is there insider trading?

2.4yrs

Average management tenure


CEO

Johann Strobl (60yo)

2.4yrs

Tenure

€2,297,000

Compensation

Dr. Johann Strobl has been Chairman of Management Board and Chief Executive Officer at Raiffeisen Bank International AG since March 18, 2017 and has been its Member of Management Board since October 10, 20 ...


CEO Compensation Analysis

Johann's remuneration is lower than average for companies of similar size in United States of America.

Johann's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

2.4yrs

Average Tenure

53yo

Average Age

The tenure for the Raiffeisen Bank International management team is about average.


Board Age and Tenure

6.2yrs

Average Tenure

57yo

Average Age

The tenure for the Raiffeisen Bank International board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Johann Strobl (60yo)

    Chairman of the Board & CEO

    • Tenure: 2.4yrs
    • Compensation: €2.30m
  • Peter Lennkh (56yo)

    Member of Management Board

    • Tenure: 14.8yrs
    • Compensation: €1.91m
  • Andreas Gschwenter (50yo)

    COO, Chief Information Officer & Member of Management Board

    • Tenure: 4.1yrs
    • Compensation: €1.57m
  • Janusz Januszewski (41yo)

    Member of Management Board & Markets & Investment Banking Executive

    • Tenure: 1.4yrs
    • Compensation: €779.00k
  • Susanne E. Langer

    Head of Group Investor Relations

    • Tenure: 0.0yrs
  • Helmut Bright (62yo)

    Head of Corporate Finance

    • Tenure: 0.0yrs
  • Hannes Mösenbacher (47yo)

    Chief Risk Officer & Member of Management Board

    • Tenure: 2.4yrs
    • Compensation: €1.14m
  • Christoph Lehner

    Head of Group Compliance

    • Tenure: 0.0yrs
  • Andrii Stepanenko (47yo)

    Member of Management Board & Retail Banking Executive

    • Tenure: 1.4yrs
    • Compensation: €720.00k
  • Martin Grüll (60yo)

    CFO & Member of Management Board

    • Tenure: 9.6yrs
    • Compensation: €1.98m

Board Members

  • Erwin Hameseder (63yo)

    Chairman of the Supervisory Board

    • Tenure: 2.2yrs
    • Compensation: €151.00k
  • Günther Reibersdorfer (65yo)

    Supervisory Board Member

    • Tenure: 7.2yrs
    • Compensation: €66.00k
  • Helge Rechberger (52yo)

    Supervisory Board Member

    • Tenure: 8.8yrs
  • Peter Anzeletti-Reikl (54yo)

    Supervisory Board Member

    • Tenure: 8.8yrs
  • Heinrich Schaller (60yo)

    Second Deputy Chairman of the Supervisory Board

    • Tenure: 7.2yrs
    • Compensation: €121.00k
  • Eva Eberhartinger (51yo)

    Supervisory Board Member

    • Tenure: 2.2yrs
    • Compensation: €87.00k
  • Rudolf Kortenhof (58yo)

    Supervisory Board Member

    • Tenure: 8.8yrs
  • Erwin Tinhof (57yo)

    Chairman of the Advisory Council

    • Tenure: 1.2yrs
  • Robert Lutschounig

    Deputy Chairman of the Advisory Council

    • Tenure: 1.2yrs
  • Martin Schaller (54yo)

    First Deputy Chairman of the Supervisory Board

    • Tenure: 5.2yrs
    • Compensation: €127.00k

Company Information

Raiffeisen Bank International AG's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Raiffeisen Bank International AG
  • Ticker: RAIF.F
  • Exchange: OTCPK
  • Founded: 1986
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: €6.615b
  • Listing Market Cap: €7.336b
  • Shares outstanding: 328.62m
  • Website: https://www.rbinternational.com

Number of Employees


Location

  • Raiffeisen Bank International AG
  • Am Stadtpark 9
  • Vienna
  • Vienna
  • 1030
  • Austria

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RBIWBAG (Wiener Boerse AG)YesBearer SharesATEURApr 2005
RAWDB (Deutsche Boerse AG)YesBearer SharesDEEURApr 2005
RAIF.FOTCPK (Pink Sheets LLC)YesBearer SharesUSUSDApr 2005
0NXRLSE (London Stock Exchange)YesBearer SharesGBEURApr 2005
RAWXTRA (XETRA Trading Platform)YesBearer SharesDEEURApr 2005
RBIVBATS-CHIXE (BATS 'Chi-X Europe')YesBearer SharesGBEURApr 2005
RBISWX (SIX Swiss Exchange)YesBearer SharesCHCHFApr 2005
RBISEP (The Stock Exchange Prague Co. Ltd.)YesBearer SharesCZCZKApr 2005
RAIF.YOTCPK (Pink Sheets LLC)ADRUSUSDNov 2009

Biography

Raiffeisen Bank International AG, together with its subsidiaries, provides corporate, retail, and investment banking services. The company offers various financing products and services, including corporat ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 00:10
End of Day Share Price2019/08/01 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.