Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
NatWest GroupRBSPF -4.44%73 3-Year Book Growth Rate is 12.10% as of Jun. 2026, which is 157% above its 10-year median of 4.70. GuruFocus rates RBSPF with a GF Score™ of 73/100 and a GF Value™ of $7.26 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,491 Banks companies, NatWest Group ranks better than 68.75% on this metric.
During the past 12 months, NatWest Group's average Book Value per Share Growth Rate was 6.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 0.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of NatWest Group was 45.60% per year. The lowest was -34.40% per year. And the median was 4.70% per year.
NatWest Group (OTCPK:RBSPF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
NatWest Group 3-Year Book Growth Rate Related Terms
NatWest Group 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, NatWest Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
NatWest Group 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, NatWest Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where NatWest Group's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.10% mean?
NatWest Group (RBSPF) has a 3-Year Book Growth Rate of 12.10% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for NatWest Group and its competitors. This is 157% above median its historical median of 4.70. According to the industry distribution chart, NatWest Group ranks #466 out of 1491 companies in the Banks industry, placing it in the top 31.3%.
Is NatWest Group's 3-Year Book Growth Rate too high?
NatWest Group's current 3-Year Book Growth Rate of 12.10% is 157% above median its 10-year median of 4.70. The Banks industry median 3-Year Book Growth Rate is 8.80. NatWest Group's value of 12.10% is 37.5% above this industry median. Based on the distribution chart, NatWest Group ranks #466 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, NatWest Group has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NatWest Group's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, NatWest Group ranks #466 out of 1491 companies for 3-Year Book Growth Rate. This puts NatWest Group in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. NatWest Group's value of 12.10% is 37.5% above this benchmark. While the company's 10-year median is 4.70 vs. the industry median of 8.80, NatWest Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. NatWest Group's current 3-Year Book Growth Rate of 12.10% is 37.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for NatWest Group and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NatWest Group's current 3-Year Book Growth Rate is 12.10%, which is 157% above median its own 10-year median of 4.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NatWest Group stock overvalued right now?
Based on GuruFocus' analysis, NatWest Group (RBSPF) is currently considered Modestly Overvalued. The stock's GF Value™ is $7.26, compared to a current price of $8.93 — trading 23% above its estimated fair value. The current 3-Year Book Growth Rate is 12.10%, which is 157% above median its 10-year median of 4.70 and 37.5% above the Banks industry median of 8.80. NatWest Group's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For NatWest Group (RBSPF), the current 3-Year Book Growth Rate is 12.10% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is NatWest Group (RBSPF) Overvalued in 2026?
Based on GuruFocus' analysis, NatWest Group stock appears to be overvalued.
The current stock price of $8.93 is trading 23% above its estimated GF Value™ of $7.26.
GuruFocus considers NatWest Group to be Modestly Overvalued.
Key valuation signals for RBSPF:
3-Year Book Growth Rate: 12.10% (157% above median its 10-year median of 4.70)
GF Value™: $7.26 vs. price of $8.93 (23% above fair value)
Industry Position: 37.5% above the Banks median (#466 of 1491)
No single metric tells the full story. See the RBSPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NatWest Group derives around 90% of its total income from the United Kingdom. The bank operates a retail, commercial, and private bank in the UK, offering clients lending and payment services as well as asset management services.
73GF Score
Get the complete analysis for RBSPF
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RBSPF has been successfully added to your 
