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Also traded in: Germany, Netherlands, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 3.82
NYSE:RBS's Cash-to-Debt is ranked higher than
58% of the 1592 Companies
in the Global Banks - Global industry.

( Industry Median: 2.23 vs. NYSE:RBS: 3.82 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:RBS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.19 Max: 4
Current: 3.82
0.04
4
Equity-to-Asset 0.06
NYSE:RBS's Equity-to-Asset is ranked lower than
86% of the 1591 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. NYSE:RBS: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:RBS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.05 Max: 0.07
Current: 0.06
0.03
0.07
Beneish M-Score: -2.35
WACC vs ROIC
6.55%
-537.28%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 1/10

vs
industry
vs
history
Operating Margin % -32.42
NYSE:RBS's Operating Margin % is ranked lower than
96% of the 1606 Companies
in the Global Banks - Global industry.

( Industry Median: 31.37 vs. NYSE:RBS: -32.42 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:RBS' s Operating Margin % Range Over the Past 10 Years
Min: -148.88  Med: -14.47 Max: 32.38
Current: -32.42
-148.88
32.38
Net Margin % -41.76
NYSE:RBS's Net Margin % is ranked lower than
97% of the 1605 Companies
in the Global Banks - Global industry.

( Industry Median: 22.70 vs. NYSE:RBS: -41.76 )
Ranked among companies with meaningful Net Margin % only.
NYSE:RBS' s Net Margin % Range Over the Past 10 Years
Min: -91.66  Med: -15.31 Max: 24.05
Current: -41.76
-91.66
24.05
ROE % -13.28
NYSE:RBS's ROE % is ranked lower than
96% of the 1603 Companies
in the Global Banks - Global industry.

( Industry Median: 8.58 vs. NYSE:RBS: -13.28 )
Ranked among companies with meaningful ROE % only.
NYSE:RBS' s ROE % Range Over the Past 10 Years
Min: -43.44  Med: -6.36 Max: 15.66
Current: -13.28
-43.44
15.66
ROA % -0.62
NYSE:RBS's ROA % is ranked lower than
94% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 vs. NYSE:RBS: -0.62 )
Ranked among companies with meaningful ROA % only.
NYSE:RBS' s ROA % Range Over the Past 10 Years
Min: -1.12  Med: -0.23 Max: 0.54
Current: -0.62
-1.12
0.54
3-Year Revenue Growth Rate -10.20
NYSE:RBS's 3-Year Revenue Growth Rate is ranked lower than
90% of the 1354 Companies
in the Global Banks - Global industry.

( Industry Median: 4.20 vs. NYSE:RBS: -10.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:RBS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -54.4  Med: -13 Max: 12.7
Current: -10.2
-54.4
12.7
3-Year EBITDA Growth Rate -24.70
NYSE:RBS's 3-Year EBITDA Growth Rate is ranked lower than
94% of the 1256 Companies
in the Global Banks - Global industry.

( Industry Median: 6.40 vs. NYSE:RBS: -24.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:RBS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -85.2  Med: -15.3 Max: 1.6
Current: -24.7
-85.2
1.6
3-Year EPS without NRI Growth Rate -11.20
NYSE:RBS's 3-Year EPS without NRI Growth Rate is ranked lower than
85% of the 1226 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. NYSE:RBS: -11.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:RBS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -75.1  Med: -1.95 Max: 208.3
Current: -11.2
-75.1
208.3
GuruFocus has detected 2 Warning Signs with Royal Bank of Scotland Group (The) PLC $NYSE:RBS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:RBS's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

RBS Guru Trades in Q1 2016

Jim Simons 1,245,221 sh (+647.88%)
» More
Q2 2016

RBS Guru Trades in Q2 2016

Jim Simons 1,807,921 sh (+45.19%)
» More
Q3 2016

RBS Guru Trades in Q3 2016

NWQ Managers 2,597,498 sh (New)
Jim Simons 603,400 sh (-66.62%)
» More
Q4 2016

RBS Guru Trades in Q4 2016

NWQ Managers 3,482,343 sh (+34.07%)
Jim Simons 38,000 sh (-93.70%)
» More
» Details

Insider Trades

Latest Guru Trades with RBS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Royal Bank of Scotland Group (The) PLC

SymbolPriceYieldDescription
91ID.UK1.100.0011 % Cum.Pref.Shs
RBSPF.UK0.620.005.5% Cum.Pref.Shs
59PQ.UK0.790.007.387 % Non.Cum.Pref.Shs Series 1
92OT.UK0.000.00Non.Cum.Prf Series -2-
92ID.UK0.000.00Non-Cum.USD Pref.Shs -A-
93ID.UK0.000.00Bearer Non-Cum.USD Pref.Shs -A-
93OT.UK0.000.006.77 % Non-Cum.Conv.Pref.Shs. 200
BL85.UK0.000.00Non-Cum.USD Pref.Shs
87UB.UK0.000.00Non-Cum STG Pref.Shs Series 1
91OT.UK0.000.00Non.Cum.Prf Series -1-
BC35.UK0.000.00Bearer Non-Cum.USD Pref.Shs
RBSLY0.000.00
RBSPRH25.897.00ADR
RBSPRRCL25.350.00ADR
RBSPRF26.508.02ADR
RBSPRL25.255.69ADR
RBSPRTCL25.410.00Series T
RBSPRS25.406.50ADR

Business Description

Industry: Banks » Banks - Global    NAICS: 522110 
Compare:NYSE:BBVA, NYSE:SMFG, OTCPK:BCMXY, NYSE:BMO, OTCPK:BCLYF, NYSE:ING, NYSE:UBS, OTCPK:NABZY, NYSE:CM, OTCPK:ANZBY, NYSE:BNS, OTCPK:SCBFF, OTCPK:CSGKF, OTCPK:SVNLY, OTCPK:MLYBY, OTCPK:FANDY, NYSE:MTU, NYSE:SAN, NYSE:WBK, OTCPK:NTIOF » details
Traded in other countries:RYS1.Germany, RBS.Netherlands, OXRBS1.Switzerland, RBS.UK,
Headquarter Location:UK
Royal Bank of Scotland Group (The) PLC is an international banking and financial services company. The Company through its subsidiaries provides banking products and services to personal, commercial and large corporate and institutional customers.

Royal Bank of Scotland was established in 1727 in Edinburgh, where its headquarters are still located. Following rapid growth during the 1990s and takeovers during the 2000s, the bank became the U.K's largest bank. However, during the financial crisis, the bank was forced to nationalise, and the U.K. government still owns almost 72% of the bank. RBS generates the majority of operating profit in the U.K. (close to 90%). The bank currently operates under two core segments: Personal & Business, or PBB, and Commercial & Private Banking, or CPB.

Guru Investment Theses on Royal Bank of Scotland Group (The) PLC

David Herro Comments on Royal Bank of Scotland - Oct 10, 2016

We initiated a position in Royal Bank of Scotland (NYSE:RBS), a U.K.-based commercial and retail bank, during the quarter after the share price plummeted on news that the U.K. had voted to leave the European Union. We believed the market had overreacted as shares of RBS fell nearly 40% in the two weeks following the announcement. We used the opportunity to purchase shares of the company at a significant discount to our estimate of intrinsic value. We believe RBS has a strong competitive position and a solid management team that has made tremendous strides in de-risking the business. The company’s historical earnings have been hurt by restructuring, litigation and other non-permanent items. While RBS was the quarter’s largest detractor, we expect a significant improvement in profitability and free cash flow in the quarters ahead.

From David Herro (Trades, Portfolio)'s Oakmark International Fund third quarter 2016 commentary.

Check out David Herro latest stock trades

Top Ranked Articles about Royal Bank of Scotland Group (The) PLC

David Herro Comments on Royal Bank of Scotland Guru stock highlight
We initiated a position in Royal Bank of Scotland (NYSE:RBS), a U.K.-based commercial and retail bank, during the quarter after the share price plummeted on news that the U.K. had voted to leave the European Union. We believed the market had overreacted as shares of RBS fell nearly 40% in the two weeks following the announcement. We used the opportunity to purchase shares of the company at a significant discount to our estimate of intrinsic value. We believe RBS has a strong competitive position and a solid management team that has made tremendous strides in de-risking the business. The company’s historical earnings have been hurt by restructuring, litigation and other non-permanent items. While RBS was the quarter’s largest detractor, we expect a significant improvement in profitability and free cash flow in the quarters ahead. Read more...

Ratios

vs
industry
vs
history
Forward PE Ratio 15.22
RBS's Forward PE Ratio is ranked higher than
51% of the 839 Companies
in the Global Banks - Global industry.

( Industry Median: 13.93 vs. RBS: 15.22 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
Price-to-Owner-Earnings 0.09
RBS's Price-to-Owner-Earnings is ranked lower than
80% of the 882 Companies
in the Global Banks - Global industry.

( Industry Median: 14.21 vs. RBS: 0.09 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RBS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.09  Med: 0.24 Max: 0.37
Current: 0.09
0.09
0.37
PB Ratio 0.61
RBS's PB Ratio is ranked higher than
84% of the 1611 Companies
in the Global Banks - Global industry.

( Industry Median: 1.20 vs. RBS: 0.61 )
Ranked among companies with meaningful PB Ratio only.
RBS' s PB Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: 0.83
Current: 0.61
0.09
0.83
PS Ratio 2.38
RBS's PS Ratio is ranked higher than
71% of the 1586 Companies
in the Global Banks - Global industry.

( Industry Median: 3.40 vs. RBS: 2.38 )
Ranked among companies with meaningful PS Ratio only.
RBS' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 2.03 Max: 6.82
Current: 2.38
0.08
6.82
EV-to-EBIT 2.86
RBS's EV-to-EBIT is ranked higher than
94% of the 1668 Companies
in the Global Banks - Global industry.

( Industry Median: 12.52 vs. RBS: 2.86 )
Ranked among companies with meaningful EV-to-EBIT only.
RBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -1572.4  Med: 2.45 Max: 281.1
Current: 2.86
-1572.4
281.1
EV-to-EBITDA 3.51
RBS's EV-to-EBITDA is ranked higher than
93% of the 1685 Companies
in the Global Banks - Global industry.

( Industry Median: 11.29 vs. RBS: 3.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2398  Med: 8.6 Max: 710.7
Current: 3.51
-2398
710.7
Shiller PE Ratio 2.44
RBS's Shiller PE Ratio is ranked higher than
98% of the 479 Companies
in the Global Banks - Global industry.

( Industry Median: 20.93 vs. RBS: 2.44 )
Ranked among companies with meaningful Shiller PE Ratio only.
RBS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.85  Med: 1.19 Max: 2.45
Current: 2.44
0.85
2.45

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.30
RBS's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1042 Companies
in the Global Banks - Global industry.

( Industry Median: -1.80 vs. RBS: -1.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RBS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -111.6  Med: -5.7 Max: -1.1
Current: -1.3
-111.6
-1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.71
RBS's Price-to-Tangible-Book is ranked higher than
81% of the 1576 Companies
in the Global Banks - Global industry.

( Industry Median: 1.27 vs. RBS: 0.71 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RBS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.37  Med: 0.94 Max: 18.01
Current: 0.71
0.37
18.01
Price-to-Intrinsic-Value-Projected-FCF 0.77
RBS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
56% of the 869 Companies
in the Global Banks - Global industry.

( Industry Median: 0.78 vs. RBS: 0.77 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RBS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.75 Max: 1.01
Current: 0.77
0.15
1.01
Price-to-Median-PS-Value 1.16
RBS's Price-to-Median-PS-Value is ranked higher than
54% of the 1462 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. RBS: 1.16 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RBS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.15  Med: 1.03 Max: 1.46
Current: 1.16
0.15
1.46
Earnings Yield (Greenblatt) % 35.04
RBS's Earnings Yield (Greenblatt) % is ranked higher than
96% of the 2207 Companies
in the Global Banks - Global industry.

( Industry Median: 5.95 vs. RBS: 35.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 11.7 Max: 1133.8
Current: 35.04
0.4
1133.8

More Statistics

Revenue (TTM) (Mil) $16,991
EPS (TTM) $ -1.55
Beta1.18
Short Percentage of Float0.08%
52-Week Range $3.91 - 7.60
Shares Outstanding (Mil)5,911.58

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 15,760 16,467 16,952
EPS ($) 0.25 0.41 0.78
EPS without NRI ($) 0.25 0.41 0.78
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.06 0.19 0.31
» More Articles for RBS

Headlines

Articles On GuruFocus.com
David Herro Gains 2 New Holdings, Divests Another Dec 13 2016 
David Herro Comments on Royal Bank of Scotland Oct 10 2016 
David Herro's Oakmark International Fund 3rd Quarter 2016 Oct 10 2016 
The UK and Negative Rates Jul 01 2016 
Insiders' Trades of the Week: Citizens Financial Nov 06 2015 
EFactor Group Corp. Appoints David Jeffries to Board of Directors Sep 11 2015 
RBS to make higher profits in future Jul 08 2015 
Top Banks Face The Heat Of Penalties May 22 2015 
Pioneer Investments Sells Stakes in Allergan, Xilinx in First Quarter May 15 2015 
RBS And Nomura Faces Under The Scanner May 15 2015 

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No Great Surprise - Hammond Admits RBS Stake Is Likely To Be Sold At Loss To Taxpayer Apr 19 2017
European Commission Cautious on RBS Plans Apr 13 2017
Royal Bank's Plan to Scrap W&G Divesture Under Investigation Apr 06 2017
European Union Considering RBS Proposal Apr 04 2017
RBS's Plan B Probed by EU After Failure to Sell Williams & Glyn Apr 04 2017
EU examining new proposed plans for Royal Bank of Scotland Apr 04 2017
RBS Shares Slip After EU Says It Will Probe Williams & Glyn Sale Apr 04 2017
EU to investigate new RBS plan to offset state aid Apr 04 2017
RBS rising from ruins as shadow of former self Apr 03 2017
‘Cartel’ Traders Weigh Surrender to Face U.S. Rigging Charges Apr 03 2017
Brexit Dings British Bank Stocks Mar 29 2017
RBS raises offer to settle 2008 cash call lawsuit Mar 28 2017
RBS ups shareholder settlement offer before trial: report Mar 28 2017
RBS answering regulator questions about Russia money laundering claims Mar 27 2017

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