Raiffeisen Bank International AG

OTCPK:RAIF.F Stock Report

Market Cap: US$6.1b

Raiffeisen Bank International Valuation

Is RAIF.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of RAIF.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: RAIF.F ($18.69) is trading below our estimate of fair value ($81.94)

Significantly Below Fair Value: RAIF.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for RAIF.F?

Key metric: As RAIF.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for RAIF.F. This is calculated by dividing RAIF.F's market cap by their current earnings.
What is RAIF.F's PE Ratio?
PE Ratio2.6x
Earnings€2.25b
Market Cap€5.86b

Price to Earnings Ratio vs Peers

How does RAIF.F's PE Ratio compare to its peers?

The above table shows the PE ratio for RAIF.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.8x
CMA Comerica
17.5x10.9%US$9.3b
BAP Credicorp
11.4x11.8%US$15.7b
INTR Inter & Co
18.3x36.0%US$2.5b
NTB Bank of N.T. Butterfield & Son
8.1x-7.1%US$1.7b
RAIF.F Raiffeisen Bank International
2.6x-6.7%US$5.9b

Price-To-Earnings vs Peers: RAIF.F is good value based on its Price-To-Earnings Ratio (2.6x) compared to the peer average (13.8x).

Price to Earnings Ratio vs Industry

How does RAIF.F's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
RAIF.F 2.6xIndustry Avg. 13.2xNo. of Companies91PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: RAIF.F is good value based on its Price-To-Earnings Ratio (2.6x) compared to the US Banks industry average (13.2x).

Price to Earnings Ratio vs Fair Ratio

What is RAIF.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

RAIF.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio2.6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate RAIF.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst RAIF.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$18.69
US$22.48
+20.3%
13.0%US$26.03US$16.92n/a12
Nov ’25n/a
US$23.28
0%
12.9%US$27.19US$17.67n/a13
Oct ’25n/a
US$23.90
0%
12.6%US$27.79US$18.06n/a13
Sep ’25n/a
US$23.90
0%
12.6%US$27.79US$18.06n/a13
Aug ’25n/a
US$23.49
0%
10.4%US$26.98US$19.42n/a13
Jul ’25n/a
US$23.79
0%
10.6%US$26.86US$18.27n/a13
Jun ’25n/a
US$23.79
0%
10.6%US$26.86US$18.27n/a13
May ’25n/a
US$23.51
0%
10.2%US$26.76US$18.20n/a13
Apr ’25US$19.34
US$23.70
+22.6%
11.3%US$27.02US$18.37n/a13
Mar ’25n/a
US$23.34
0%
10.8%US$26.86US$18.26n/a14
Feb ’25n/a
US$22.72
0%
12.4%US$25.93US$17.50n/a14
Jan ’25n/a
US$21.24
0%
13.0%US$26.25US$16.73n/a14
Dec ’24US$16.72
US$20.37
+21.8%
15.1%US$26.12US$16.43n/a14
Nov ’24n/a
US$18.57
0%
14.3%US$23.25US$15.85n/a14
Oct ’24n/a
US$18.46
0%
14.8%US$23.25US$15.85n/a14
Sep ’24n/a
US$19.00
0%
14.2%US$23.86US$16.27n/a15
Aug ’24n/a
US$19.23
0%
13.6%US$24.25US$16.54n/a15
Jul ’24US$15.50
US$18.85
+21.6%
13.5%US$23.91US$15.65n/a15
Jun ’24n/a
US$18.86
0%
13.6%US$23.88US$15.63n/a15
May ’24n/a
US$19.16
0%
14.1%US$24.24US$15.43n/a15
Apr ’24US$14.48
US$18.57
+28.3%
13.8%US$23.32US$14.84US$19.3415
Mar ’24n/a
US$18.46
0%
15.5%US$23.51US$12.72n/a15
Feb ’24n/a
US$18.78
0%
16.1%US$23.91US$12.93n/a15
Jan ’24n/a
US$18.06
0%
18.5%US$24.18US$12.62n/a15
Dec ’23US$15.50
US$17.49
+12.8%
19.6%US$24.00US$12.53US$16.7215
Nov ’23US$12.60
US$16.01
+27.0%
19.8%US$22.53US$11.76n/a15

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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