Switch to:
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 3.61
RBS's Cash to Debt is ranked higher than
58% of the 1627 Companies
in the Global Banks - Global industry.

( Industry Median: 2.02 vs. RBS: 3.61 )
Ranked among companies with meaningful Cash to Debt only.
RBS' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 2.96 Max: N/A
Current: 3.61
Equity to Asset 0.06
RBS's Equity to Asset is ranked lower than
86% of the 1649 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
F-Score: 3
M-Score: -2.57
WACC vs ROIC
5.66%
-157.52%
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 (%) -25.04
RBS's Operating margin (%) is ranked lower than
95% of the 1672 Companies
in the Global Banks - Global industry.

( Industry Median: 30.82 vs. RBS: -25.04 )
Ranked among companies with meaningful Operating margin (%) only.
RBS' s Operating margin (%) Range Over the Past 10 Years
Min: -148.88  Med: -4.3 Max: 32.8
Current: -25.04
-148.88
32.8
Net-margin (%) -30.33
RBS's Net-margin (%) is ranked lower than
96% of the 1670 Companies
in the Global Banks - Global industry.

( Industry Median: 22.17 vs. RBS: -30.33 )
Ranked among companies with meaningful Net-margin (%) only.
RBS' s Net-margin (%) Range Over the Past 10 Years
Min: -91.66  Med: -11.63 Max: 24.05
Current: -30.33
-91.66
24.05
ROE (%) -9.70
RBS's ROE (%) is ranked lower than
95% of the 1670 Companies
in the Global Banks - Global industry.

( Industry Median: 8.38 vs. RBS: -9.70 )
Ranked among companies with meaningful ROE (%) only.
RBS' s ROE (%) Range Over the Past 10 Years
Min: -43.44  Med: -4.84 Max: 16.39
Current: -9.7
-43.44
16.39
ROA (%) -0.42
RBS's ROA (%) is ranked lower than
93% of the 1678 Companies
in the Global Banks - Global industry.

( Industry Median: 0.89 vs. RBS: -0.42 )
Ranked among companies with meaningful ROA (%) only.
RBS' s ROA (%) Range Over the Past 10 Years
Min: -1.12  Med: -0.18 Max: 0.75
Current: -0.42
-1.12
0.75
Revenue Growth (3Y)(%) -5.60
RBS's Revenue Growth (3Y)(%) is ranked lower than
83% of the 1368 Companies
in the Global Banks - Global industry.

( Industry Median: 3.20 vs. RBS: -5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -54.4  Med: -15.8 Max: 12.7
Current: -5.6
-54.4
12.7
EBITDA Growth (3Y)(%) -29.60
RBS's EBITDA Growth (3Y)(%) is ranked lower than
94% of the 1251 Companies
in the Global Banks - Global industry.

( Industry Median: 5.80 vs. RBS: -29.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RBS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -85.2  Med: -5.9 Max: 1.6
Current: -29.6
-85.2
1.6
EPS Growth (3Y)(%) -22.20
RBS's EPS Growth (3Y)(%) is ranked lower than
90% of the 1227 Companies
in the Global Banks - Global industry.

( Industry Median: 7.30 vs. RBS: -22.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RBS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -75.1  Med: -1.7 Max: 208.3
Current: -22.2
-75.1
208.3
» RBS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

RBS Guru Trades in Q4 2015

Jim Simons 166,500 sh (New)
» More
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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

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
RBSPRH25.447.12ADR
RBSPRRCL25.354.53ADR
RBSPRF26.037.76ADR
RBSPRL24.435.88ADR
RBSPRTCL25.415.35
RBSPRS25.116.57ADR

Business Description

Industry: Banks » Banks - Global
Compare:OTCPK:CSGKF, NYSE:CM, OTCPK:SVNLY, OTCPK:SCBFF, OTCPK:FANDY, OTCPK:MLYBY, NYSE:BMO, NYSE:RY/PT, OTCPK:BCLYF, NYSE:BBVA, OTCPK:NTIOF, OTCPK:JBAXY, NYSE:SMFG, OTCPK:INGVF, NAS:EWBC, OTCPK:NABZY, OTCPK:BCMXY, OTCPK:NBGGY, NYSE:NTB, NYSE:UBS » details
Traded in other countries:RYS1.Germany, RBS.Netherlands, RBS.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 P/E 11.35
RBS's Forward P/E is ranked higher than
62% of the 561 Companies
in the Global Banks - Global industry.

( Industry Median: 12.92 vs. RBS: 11.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.42
RBS's P/B is ranked higher than
89% of the 1990 Companies
in the Global Banks - Global industry.

( Industry Median: 1.11 vs. RBS: 0.42 )
Ranked among companies with meaningful P/B only.
RBS' s P/B Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: 0.83
Current: 0.42
0.09
0.83
P/S 1.90
RBS's P/S is ranked higher than
73% of the 2055 Companies
in the Global Banks - Global industry.

( Industry Median: 3.18 vs. RBS: 1.90 )
Ranked among companies with meaningful P/S only.
RBS' s P/S Range Over the Past 10 Years
Min: 0.07  Med: 1.96 Max: 6.82
Current: 1.9
0.07
6.82
EV-to-EBIT 8.68
RBS's EV-to-EBIT is ranked higher than
61% of the 1615 Companies
in the Global Banks - Global industry.

( Industry Median: 11.02 vs. RBS: 8.68 )
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: 8.68
-1572.4
281.1
EV-to-EBITDA 11.43
RBS's EV-to-EBITDA is ranked lower than
55% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 10.08 vs. RBS: 11.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2398  Med: 9.45 Max: 710.7
Current: 11.43
-2398
710.7
Shiller P/E 1.24
RBS's Shiller P/E is ranked higher than
98% of the 510 Companies
in the Global Banks - Global industry.

( Industry Median: 19.87 vs. RBS: 1.24 )
Ranked among companies with meaningful Shiller P/E only.
RBS' s Shiller P/E Range Over the Past 10 Years
Min: 0.85  Med: 1.01 Max: 1.33
Current: 1.24
0.85
1.33

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 1057 Companies
in the Global Banks - Global industry.

( Industry Median: -1.90 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: -7.5 Max: -1.1
Current: -1.3
-111.6
-1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.48
RBS's Price/Tangible Book is ranked higher than
86% of the 2002 Companies
in the Global Banks - Global industry.

( Industry Median: 1.19 vs. RBS: 0.48 )
Ranked among companies with meaningful Price/Tangible Book only.
RBS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 0.71 Max: 18.01
Current: 0.48
0.37
18.01
Price/Projected FCF 1.66
RBS's Price/Projected FCF is ranked lower than
99.99% of the 1125 Companies
in the Global Banks - Global industry.

( Industry Median: 0.77 vs. RBS: 1.66 )
Ranked among companies with meaningful Price/Projected FCF only.
RBS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.84 Max: 2.63
Current: 1.66
0.16
2.63
Price/Median PS Value 1.02
RBS's Price/Median PS Value is ranked higher than
52% of the 1898 Companies
in the Global Banks - Global industry.

( Industry Median: 1.09 vs. RBS: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
RBS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.09  Med: 0.95 Max: 3.21
Current: 1.02
0.09
3.21
Earnings Yield (Greenblatt) (%) 11.50
RBS's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 2188 Companies
in the Global Banks - Global industry.

( Industry Median: 6.00 vs. RBS: 11.50 )
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: 6068.7
Current: 11.5
0.4
6068.7

More Statistics

Revenue (TTM) (Mil) $16,694
EPS (TTM) $ -1.31
Beta1.00
Short Percentage of Float0.03%
52-Week Range $3.91 - 9.43
Shares Outstanding (Mil)5,875.50

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 14,682 14,349 15,955
EPS ($) 0.09 0.33 0.57
EPS w/o NRI ($) 0.09 0.33 0.57
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.03 0.21
» More Articles for RBS

Headlines

Articles On GuruFocus.com
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 
Indian Banks Making A Mark On The Global Platform Jan 12 2015 

More From Other Websites
RBS on brink of huge payouts over Goodwin’s £12bn rights issue Dec 02 2016
RBS Must Add $2.5 Billion in Capital After Failing BOE Stress Test Dec 02 2016
U.K. Banking Jobs Are on the Chopping Block Dec 01 2016
RBS relationship with Dakota Access Pipeline companies ended in 2015 Dec 01 2016
Total Voting Rights Dec 01 2016
BoE Stress Test Results: 6 Banks Pass, RBS Fails Dec 01 2016
RBS Seen Ready to Deepen Investment Bank Cuts After Test Failure Dec 01 2016
RBS Must Add $2.5 Billion in Capital After Failing BOE Stress Test Dec 01 2016
FTSE 100 ends higher as OPEC deal powers oil shares Nov 30 2016
What Are the Takeaways From the BOE Stress Test? Nov 30 2016
Are these 3 stocks set to turn round a disastrous 2016? Nov 30 2016
RBS to bolster capital after failing stress test Nov 30 2016
Banks struggle as BoE warns on 'elevated' risk to financial system Nov 30 2016
RBS Fails Central Bank Test (RBS, HSBC) Nov 30 2016
RBS to bolster capital after flunking UK stress test Nov 30 2016
British lender RBS to bolster capital after failing stress test Nov 30 2016
British lender RBS to bolster capital after failing stress test Nov 30 2016
British lender RBS to bolster capital after failing stress test Nov 30 2016
RBS Pledges Further Balance Sheet Action Following Stress Test Failure Nov 30 2016
Royal Bank of Scotland fails UK stress test Nov 30 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)