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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 5.90
NYSE:RBS's Cash-to-Debt is ranked higher than
63% of the 1613 Companies
in the Global Banks - Global industry.

( Industry Median: 2.09 vs. NYSE:RBS: 5.90 )
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: 0.41 Max: 5.9
Current: 5.9
0.04
5.9
Equity-to-Asset 0.06
NYSE:RBS's Equity-to-Asset is ranked lower than
86% of the 1580 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
Debt-to-Equity 0.30
NYSE:RBS's Debt-to-Equity is ranked higher than
69% of the 1244 Companies
in the Global Banks - Global industry.

( Industry Median: 0.63 vs. NYSE:RBS: 0.30 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:RBS' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3  Med: 0.65 Max: 6
Current: 0.3
0.3
6
Beneish M-Score: -2.23
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 % -13.81
NYSE:RBS's Operating Margin % is ranked lower than
96% of the 1618 Companies
in the Global Banks - Global industry.

( Industry Median: 31.66 vs. NYSE:RBS: -13.81 )
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: -13.81
-148.88
32.38
Net Margin % -25.43
NYSE:RBS's Net Margin % is ranked lower than
97% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 22.82 vs. NYSE:RBS: -25.43 )
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: -25.43
-91.66
24.05
ROE % -7.85
NYSE:RBS's ROE % is ranked lower than
96% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 8.56 vs. NYSE:RBS: -7.85 )
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: -7.85
-43.44
15.66
ROA % -0.42
NYSE:RBS's ROA % is ranked lower than
95% of the 1624 Companies
in the Global Banks - Global industry.

( Industry Median: 0.91 vs. NYSE:RBS: -0.42 )
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: -0.42
-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 1364 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: -11.05 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 1281 Companies
in the Global Banks - Global industry.

( Industry Median: 5.90 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: -13.95 Max: 8.4
Current: -24.7
-85.2
8.4
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 1241 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 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: 8.25 Max: 208.3
Current: -11.2
-75.1
208.3
GuruFocus has detected 3 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 30-Y Financials

Financials (Next Earnings Date: 2017-11-04 Est.)


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

» Details

Guru Trades

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
Q1 2017

RBS Guru Trades in Q1 2017

NWQ Managers 3,660,732 sh (+5.12%)
Jim Simons Sold Out
» More
Q2 2017

RBS Guru Trades in Q2 2017

Jim Simons 494,700 sh (New)
Ken Fisher 40,922 sh (New)
NWQ Managers 3,422,451 sh (-6.51%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
NWQ Managers 2017-06-30 Reduce -6.51%0.02%$5.66 - $7.05 $ 7.1010%3,422,451
Ken Fisher 2017-06-30 New Buy$5.66 - $7.05 $ 7.1010%40,922
NWQ Managers 2017-03-31 Add 5.12%0.01%$5.41 - $6.29 $ 7.1022%3,660,732
NWQ Managers 2016-12-31 Add 34.07%0.07%$4.2 - $5.68 $ 7.1042%3,482,343
NWQ Managers 2016-09-30 New Buy0.18%$4.04 - $5.46 $ 7.1043%2,597,498
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» 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
RBSPRHCL25.325.37ADR
RBSPRRCL25.350.00ADR
RBSPRFCL25.386.28ADR
RBSPRLCL25.244.27ADR
RBSPRTCL25.410.00Series T
RBSPRS25.756.41ADR

Business Description

Industry: Banks » Banks - Global    NAICS: 522110 
Compare:LSE:BARC, LSE:STAN, LSE:STB, LSE:HSBA » details
Traded in other countries:RYS1.Germany, RBS.Netherlands, RBS.Switzerland, RBS.UK,
Headquarter Location:UK
Royal Bank of Scotland Group (The) PLC is an international banking and financial services company. It 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 Gains 2 New Holdings, Divests Another Guru invested in Scottish bank and Japanese manufacturer in 3rd quarter
David Herro (Trades, Portfolio), manager of the Oakmark International Fund, acquired two new holdings and sold another in the third quarter. Read more...
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 10.82
RBS's Forward PE Ratio is ranked higher than
59% of the 382 Companies
in the Global Banks - Global industry.

( Industry Median: 16.05 vs. RBS: 10.82 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PB Ratio 0.63
RBS's PB Ratio is ranked higher than
84% of the 1581 Companies
in the Global Banks - Global industry.

( Industry Median: 1.20 vs. RBS: 0.63 )
Ranked among companies with meaningful PB Ratio only.
RBS' s PB Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.56 Max: 0.83
Current: 0.63
0.09
0.83
PS Ratio 2.30
RBS's PS Ratio is ranked higher than
71% of the 1567 Companies
in the Global Banks - Global industry.

( Industry Median: 3.43 vs. RBS: 2.30 )
Ranked among companies with meaningful PS Ratio only.
RBS' s PS Ratio Range Over the Past 10 Years
Min: 0.08  Med: 2.08 Max: 6.82
Current: 2.3
0.08
6.82
EV-to-EBIT 21.70
RBS's EV-to-EBIT is ranked higher than
72% of the 1241 Companies
in the Global Banks - Global industry.

( Industry Median: 12.20 vs. RBS: 21.70 )
Ranked among companies with meaningful EV-to-EBIT only.
RBS' s EV-to-EBIT Range Over the Past 10 Years
Min: -1572.2  Med: 5.55 Max: 287.9
Current: 21.7
-1572.2
287.9
EV-to-EBITDA 43.73
RBS's EV-to-EBITDA is ranked higher than
61% of the 1244 Companies
in the Global Banks - Global industry.

( Industry Median: 10.98 vs. RBS: 43.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2398  Med: 9.8 Max: 710.7
Current: 43.73
-2398
710.7
EV-to-Revenue -2.99
RBS's EV-to-Revenue is ranked lower than
99.99% of the 1284 Companies
in the Global Banks - Global industry.

( Industry Median: 3.86 vs. RBS: -2.99 )
Ranked among companies with meaningful EV-to-Revenue only.
RBS' s EV-to-Revenue Range Over the Past 10 Years
Min: -3.1  Med: -0.2 Max: 17.5
Current: -2.99
-3.1
17.5

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.50
RBS's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1065 Companies
in the Global Banks - Global industry.

( Industry Median: -1.80 vs. RBS: -1.50 )
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: -3.7 Max: -1.1
Current: -1.5
-111.6
-1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.72
RBS's Price-to-Tangible-Book is ranked higher than
82% of the 1573 Companies
in the Global Banks - Global industry.

( Industry Median: 1.29 vs. RBS: 0.72 )
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: 0.73 Max: 18.01
Current: 0.72
0.37
18.01
Price-to-Intrinsic-Value-Projected-FCF 0.79
RBS's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
55% of the 896 Companies
in the Global Banks - Global industry.

( Industry Median: 0.79 vs. RBS: 0.79 )
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: 0.16  Med: 0.71 Max: 1.02
Current: 0.79
0.16
1.02
Price-to-Median-PS-Value 1.10
RBS's Price-to-Median-PS-Value is ranked higher than
53% of the 1527 Companies
in the Global Banks - Global industry.

( Industry Median: 1.13 vs. RBS: 1.10 )
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: 0.09  Med: 0.96 Max: 2.89
Current: 1.1
0.09
2.89
Earnings Yield (Greenblatt) % 4.60
RBS's Earnings Yield (Greenblatt) % is ranked higher than
79% of the 1625 Companies
in the Global Banks - Global industry.

( Industry Median: 5.91 vs. RBS: 4.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RBS' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2265.2  Med: 2.7 Max: 1133.8
Current: 4.6
-2265.2
1133.8

More Statistics

Revenue (TTM) (Mil) $17,076.43
EPS (TTM) $ -0.85
Beta1.28
Short Percentage of Float0.00%
52-Week Range $4.18 - 7.18
Shares Outstanding (Mil)5,929.50 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 16,711 17,531 18,190
EPS ($) 0.28 0.44 0.84
EPS without NRI ($) 0.28 0.44 0.84
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.07 0.20 0.33

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