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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 3.45
RBS's Cash to Debt is ranked higher than
51% of the 1184 Companies
in the Global Banks - Global industry.

( Industry Median: 3.02 vs. RBS: 3.45 )
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: 3.45
Equity to Asset 0.06
RBS's Equity to Asset is ranked lower than
86% of the 1667 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: 2
M-Score: -2.70
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 (%) -18.34
RBS's Operating margin (%) is ranked lower than
96% of the 1685 Companies
in the Global Banks - Global industry.

( Industry Median: 30.85 vs. RBS: -18.34 )
Ranked among companies with meaningful Operating margin (%) only.
RBS' s Operating margin (%) Range Over the Past 10 Years
Min: -157.21  Med: -1.95 Max: 32.8
Current: -18.34
-157.21
32.8
Net-margin (%) -6.94
RBS's Net-margin (%) is ranked lower than
95% of the 1685 Companies
in the Global Banks - Global industry.

( Industry Median: 22.32 vs. RBS: -6.94 )
Ranked among companies with meaningful Net-margin (%) only.
RBS' s Net-margin (%) Range Over the Past 10 Years
Min: -93.31  Med: -9.62 Max: 23.47
Current: -6.94
-93.31
23.47
ROE (%) -4.44
RBS's ROE (%) is ranked lower than
95% of the 1680 Companies
in the Global Banks - Global industry.

( Industry Median: 8.23 vs. RBS: -4.44 )
Ranked among companies with meaningful ROE (%) only.
RBS' s ROE (%) Range Over the Past 10 Years
Min: -43.13  Med: -4.45 Max: 15.89
Current: -4.44
-43.13
15.89
ROA (%) -0.09
RBS's ROA (%) is ranked lower than
92% of the 1690 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 vs. RBS: -0.09 )
Ranked among companies with meaningful ROA (%) only.
RBS' s ROA (%) Range Over the Past 10 Years
Min: -1.14  Med: -0.15 Max: 0.75
Current: -0.09
-1.14
0.75
Revenue Growth (3Y)(%) -11.70
RBS's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 2.60 vs. RBS: -11.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBS' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -52.3  Med: -15.90 Max: 12.1
Current: -11.7
-52.3
12.1
EBITDA Growth (3Y)(%) -24.00
RBS's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1280 Companies
in the Global Banks - Global industry.

( Industry Median: 5.60 vs. RBS: -24.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RBS' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -80.3  Med: -3.55 Max: 47.6
Current: -24
-80.3
47.6
EPS Growth (3Y)(%) -17.10
RBS's EPS Growth (3Y)(%) is ranked lower than
89% of the 1261 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 vs. RBS: -17.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RBS' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -78  Med: 3.80 Max: 153.3
Current: -17.1
-78
153.3
» RBS's 10-Y Financials

Financials (Next Earnings Date: 2016-08-05)


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

» Details

Guru Trades

Q2 2015

RBS Guru Trades in Q2 2015

Jim Simons 31,821 sh (New)
» More
Q3 2015

RBS Guru Trades in Q3 2015

Jim Simons Sold Out
» More
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
» 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
RBSPF3.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
RBSPRH25.377.14ADR
RBSPRR25.126.10ADR
RBSPRF25.807.41ADR
RBSPRQCL25.276.68ADR
RBSPRL24.725.82ADR
RBSPRT25.197.20
RBSPRPCL25.256.19ADR
RBSPRMCL25.266.33ADR
RBSPRNCL25.256.29ADR
RBSPRS24.926.62ADR
RLSPY107125.000.00ADR

Business Description

Industry: Banks » Banks - Global
Compare:NYSE:CM, NYSE:BBVA, OTCPK:BCLYF, OTCPK:SCBFF, OTCPK:INGVF, OTCPK:SVNLY, NYSE:SMFG, OTCPK:BKFCF, NYSE:BMO, OTCPK:CSGKF, NYSE:RY/PT, OTCPK:MLYNF, OTCPK:FANDY, OTCPK:NABZY, OTCPK:ANZBY, OTCPK:NTIOF, NYSE:UBS, OTCPK:CIMDF, OTCPK:JBAXY, OTCPK:BCDRF » 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.

Ratios

vs
industry
vs
history
Forward P/E 12.12
RBS's Forward P/E is ranked higher than
55% of the 366 Companies
in the Global Banks - Global industry.

( Industry Median: 12.50 vs. RBS: 12.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
Price/Owner Earnings (ttm) 0.07
RBS's Price/Owner Earnings (ttm) is ranked higher than
100% of the 865 Companies
in the Global Banks - Global industry.

( Industry Median: 12.14 vs. RBS: 0.07 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RBS' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.14  Med: 0.24 Max: 0.37
Current: 0.07
0.14
0.37
P/B 0.41
RBS's P/B is ranked higher than
85% of the 1654 Companies
in the Global Banks - Global industry.

( Industry Median: 1.02 vs. RBS: 0.41 )
Ranked among companies with meaningful P/B only.
RBS' s P/B Range Over the Past 10 Years
Min: 0.09  Med: 0.56 Max: 0.83
Current: 0.41
0.09
0.83
P/S 1.66
RBS's P/S is ranked higher than
72% of the 1638 Companies
in the Global Banks - Global industry.

( Industry Median: 2.85 vs. RBS: 1.66 )
Ranked among companies with meaningful P/S only.
RBS' s P/S Range Over the Past 10 Years
Min: 0.07  Med: 1.98 Max: 6.82
Current: 1.66
0.07
6.82
EV-to-EBIT 12.79
RBS's EV-to-EBIT is ranked higher than
57% of the 1495 Companies
in the Global Banks - Global industry.

( Industry Median: 12.99 vs. RBS: 12.79 )
Ranked among companies with meaningful EV-to-EBIT only.
RBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -1572.4  Med: 0.70 Max: 281.2
Current: 12.79
-1572.4
281.2
EV-to-EBITDA 20.30
RBS's EV-to-EBITDA is ranked lower than
74% of the 1494 Companies
in the Global Banks - Global industry.

( Industry Median: 11.84 vs. RBS: 20.30 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2398  Med: 3.40 Max: 710.7
Current: 20.3
-2398
710.7
Shiller P/E 0.71
RBS's Shiller P/E is ranked higher than
99% of the 504 Companies
in the Global Banks - Global industry.

( Industry Median: 16.55 vs. RBS: 0.71 )
Ranked among companies with meaningful Shiller P/E only.
RBS' s Shiller P/E Range Over the Past 10 Years
Min: 0.81  Med: 0.91 Max: 0.99
Current: 0.71
0.81
0.99

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.51
RBS's Price/Tangible Book is ranked higher than
83% of the 1647 Companies
in the Global Banks - Global industry.

( Industry Median: 1.08 vs. RBS: 0.51 )
Ranked among companies with meaningful Price/Tangible Book only.
RBS' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 0.72 Max: 18.01
Current: 0.51
0.37
18.01
Price/Projected FCF 0.56
RBS's Price/Projected FCF is ranked higher than
60% of the 897 Companies
in the Global Banks - Global industry.

( Industry Median: 0.64 vs. RBS: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
RBS' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.73 Max: 1.01
Current: 0.56
0.15
1.01
Price/Median PS Value 0.96
RBS's Price/Median PS Value is ranked higher than
57% of the 1572 Companies
in the Global Banks - Global industry.

( Industry Median: 0.99 vs. RBS: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
RBS' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.08  Med: 1.00 Max: 3.03
Current: 0.96
0.08
3.03
Earnings Yield (Greenblatt) (%) 7.79
RBS's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1646 Companies
in the Global Banks - Global industry.

( Industry Median: 7.10 vs. RBS: 7.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBS' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 8.80 Max: 6068.7
Current: 7.79
0.4
6068.7

More Statistics

Revenue (TTM) (Mil) $18,786
EPS (TTM) $ -0.62
Beta1.06
Short Percentage of Float0.04%
52-Week Range $4.61 - 11.63
Shares Outstanding (Mil)5,830.50

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 19,788 20,414 20,320
EPS ($) 0.42 0.73 0.89
EPS w/o NRI ($) 0.42 0.73 0.89
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for RBS

Headlines

Articles On GuruFocus.com
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 
Citizens Bank Begins Ex-Dividend Trading Nov 04 2014 
Will Scotland Leave? Polls Say Maybe. Market Says No. Sep 17 2014 
Fox Business Network’s Charlie Gasparino Reports Appaloosa Founder David Tepper Put Out for Bid $4 Feb 01 2013 

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