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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
RBS's Cash-to-Debt is ranked higher than
60% of the 1366 Companies
in the Global Banks - Global industry.

( Industry Median: 1.88 vs. RBS: 3.82 )
Ranked among companies with meaningful Cash-to-Debt only.
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
RBS's Equity-to-Asset is ranked lower than
85% of the 1372 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. RBS: 0.06 )
Ranked among companies with meaningful Equity-to-Asset only.
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
Piotroski F-Score: 2
Beneish M-Score: -2.45
WACC vs ROIC
8.17%
-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 : 2/10

vs
industry
vs
history
Operating Margin % -32.42
RBS's Operating Margin % is ranked lower than
95% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 30.69 vs. RBS: -32.42 )
Ranked among companies with meaningful Operating Margin % only.
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
RBS's Net Margin % is ranked lower than
96% of the 1381 Companies
in the Global Banks - Global industry.

( Industry Median: 22.17 vs. RBS: -41.76 )
Ranked among companies with meaningful Net Margin % only.
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
RBS's ROE % is ranked lower than
96% of the 1380 Companies
in the Global Banks - Global industry.

( Industry Median: 8.35 vs. RBS: -13.28 )
Ranked among companies with meaningful ROE % only.
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
RBS's ROA % is ranked lower than
93% of the 1387 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 vs. RBS: -0.62 )
Ranked among companies with meaningful ROA % only.
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 -10.10
RBS's 3-Year Revenue Growth Rate is ranked lower than
84% of the 1247 Companies
in the Global Banks - Global industry.

( Industry Median: 3.90 vs. RBS: -10.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
RBS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -54.4  Med: -12.95 Max: 12.7
Current: -10.1
-54.4
12.7
3-Year EBITDA Growth Rate -24.50
RBS's 3-Year EBITDA Growth Rate is ranked lower than
96% of the 1158 Companies
in the Global Banks - Global industry.

( Industry Median: 5.00 vs. RBS: -24.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
RBS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -85.2  Med: -15.2 Max: 1.6
Current: -24.5
-85.2
1.6
3-Year EPS without NRI Growth Rate -11.20
RBS's 3-Year EPS without NRI Growth Rate is ranked lower than
91% of the 1132 Companies
in the Global Banks - Global industry.

( Industry Median: 7.20 vs. RBS: -11.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
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 3 Warning Signs with Royal Bank of Scotland Group (The) PLC $RBS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» 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
RBSPRH25.857.00ADR
RBSPRRCL25.350.00ADR
RBSPRF26.387.84ADR
RBSPRL25.115.71ADR
RBSPRTCL25.410.00Series T
RBSPRS25.606.44ADR

Business Description

Industry: Banks » Banks - Global    NAICS: 522110 
Compare:NYSE:CM, OTCPK:CSGKF, OTCPK:SCBFF, OTCPK:SVNLY, NYSE:BBVA, NYSE:RY/PT, OTCPK:BCLYF, OTCPK:FANDY, NYSE:BMO, OTCPK:MLYBY, NYSE:ING, NYSE:SMFG, OTCPK:NTIOF, OTCPK:BCMXY, NYSE:UBS, OTCPK:JBAXY, NAS:EWBC, OTCPK:AOZOY, OTCPK:NABZY, OTCPK:NBGGY » details
Traded in other countries:RYS1.Germany, RBS.Netherlands, OXRBS1.Switzerland, RBS.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 Group (The) PLC was incorporated and registered in Scotland under the Companies Act 1948 as a limited company on March 25, 1968 under the name National and Commercial Banking Group Limited. On September 3, 1979, the Company changed its name to The Royal Bank of Scotland Group Limited and on March 10, 1982, it changed its name to its present name. It is the holding company of a banking and financial services group. It provides banking and financial products and services to personal, commercial, corporate and institutional customers through its two subsidiaries, The Royal Bank of Scotland and NatWest, as well as through a number of other brands including Citizens, Charter One, Ulster Bank, and Coutts. The Company's businesses are Personal & Business Banking, which comprises two reportable segments. UK Personal & Business Banking and Ulster Bank RoI. UK PBB serves individuals and mass affluent customers in the UK together with small businesses. UK PBB includes Ulster Bank customers in Northern Ireland. Ulster Bank RoI serves individuals and businesses in the Republic of Ireland. Commercial & Private Banking comprises three reportable segments; Commercial Banking, Private Banking and RBS International . Commercial Banking serves commercial and corporate customers in the UK and Western Europe and RBSI serves retail, commercial, corporate and financial institution customers in Jersey, Guernsey, Isle of Man and Gibraltar. Corporate & Institutional Banking serves UK and Western European corporate customers, and financial institutions, supported by trading and distribution platforms in the UK, USA and Singapore. Capital Resolution includes CIB Capital Resolution and the remainder of RBS Capital Resolution. Williams & Glyn comprises the RBS England and Wales branch-based businesses, along with certain small and medium enterprises and corporate activities across the UK. During the period, presented W&G has not operated as a separate legal entity. The perimeter of the segment currently reported does not include certain portfolios that are ultimately intended to be divested as part of W&G, for example, certain NatWest branches in Scotland. Central items & other includes corporate functions, such as treasury, finance, risk management, compliance, legal, communications and human resources. A central function manages RBS capital resources and RBS- regulatory projects and provides services to the reportable segments. Balances in relation to Citizens and the international private banking business are included in Central items in the relevant periods.

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 13.26
RBS's Forward PE Ratio is ranked higher than
63% of the 388 Companies
in the Global Banks - Global industry.

( Industry Median: 16.18 vs. RBS: 13.26 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PB Ratio 0.60
RBS's PB Ratio is ranked higher than
85% of the 1391 Companies
in the Global Banks - Global industry.

( Industry Median: 1.17 vs. RBS: 0.60 )
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: 0.6
0.09
0.83
PS Ratio 2.27
RBS's PS Ratio is ranked higher than
68% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 3.34 vs. RBS: 2.27 )
Ranked among companies with meaningful PS Ratio only.
RBS' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 2.02 Max: 6.82
Current: 2.27
0.08
6.82
EV-to-EBIT 6.22
RBS's EV-to-EBIT is ranked higher than
73% of the 1066 Companies
in the Global Banks - Global industry.

( Industry Median: 12.64 vs. RBS: 6.22 )
Ranked among companies with meaningful EV-to-EBIT only.
RBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -1572.4  Med: 2.4 Max: 281.1
Current: 6.22
-1572.4
281.1
EV-to-EBITDA 7.69
RBS's EV-to-EBITDA is ranked higher than
60% of the 1072 Companies
in the Global Banks - Global industry.

( Industry Median: 11.46 vs. RBS: 7.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2398  Med: 8.8 Max: 710.7
Current: 7.69
-2398
710.7
Shiller PE Ratio 2.34
RBS's Shiller PE Ratio is ranked higher than
98% of the 490 Companies
in the Global Banks - Global industry.

( Industry Median: 21.81 vs. RBS: 2.34 )
Ranked among companies with meaningful Shiller PE Ratio only.
RBS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.85  Med: 1.15 Max: 2.35
Current: 2.34
0.85
2.35

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
52% of the 977 Companies
in the Global Banks - Global industry.

( Industry Median: -1.70 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 0.68
RBS's Price-to-Tangible-Book is ranked higher than
84% of the 1384 Companies
in the Global Banks - Global industry.

( Industry Median: 1.25 vs. RBS: 0.68 )
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: 0.68
0.37
18.01
Price-to-Intrinsic-Value-Projected-FCF 0.74
RBS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
68% of the 869 Companies
in the Global Banks - Global industry.

( Industry Median: 0.83 vs. RBS: 0.74 )
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: 0.3  Med: 0.75 Max: 1.01
Current: 0.74
0.3
1.01
Price-to-Median-PS-Value 1.13
RBS's Price-to-Median-PS-Value is ranked higher than
53% of the 1288 Companies
in the Global Banks - Global industry.

( Industry Median: 1.19 vs. RBS: 1.13 )
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: 1.04 Max: 1.47
Current: 1.13
0.15
1.47
Earnings Yield (Greenblatt) % 16.03
RBS's Earnings Yield (Greenblatt) % is ranked higher than
79% of the 1405 Companies
in the Global Banks - Global industry.

( Industry Median: 5.60 vs. RBS: 16.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 11.6 Max: 1133.8
Current: 16.03
0.4
1133.8

More Statistics

Revenue (TTM) (Mil) $16,991
EPS (TTM) $ -1.54
Beta1.18
Short Percentage of Float0.04%
52-Week Range $3.91 - 7.60
Shares Outstanding (Mil)5,875.50

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 14,465 16,307
EPS ($) 0.35 0.58
EPS without NRI ($) 0.35 0.58
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.03 0.21
» 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 
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 
Guru Stocks at 52-Week Lows: PG, BABA, AXP, DEO, RBS May 05 2015 

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