HAM:RAW'
s ROE % Range Over the Past 10 Years
Min: 5.45 Med: 9.89 Max: 22.6
Current: 5.45
During the past 13 years, Raiffeisen Bank International AG's highest ROE % was 22.60%. The lowest was 5.45%. And the median was 9.89%.
HAM:RAW's ROE % is ranked worse than 79.92% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HAM:RAW: 5.45
Raiffeisen Bank International AG (HAM:RAW) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Raiffeisen Bank International AG ROE % Related Terms
Raiffeisen Bank International AG ROE % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Raiffeisen Bank International AG's ROE %, along with its competitors' market caps and ROE % 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.
Raiffeisen Bank International AG ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank International AG's ROE % distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank International AG's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Raiffeisen Bank International AG (HAM:RAW) has a ROE % of 8.77% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Raiffeisen Bank International AG and its competitors. This is 11% below median its historical median of 9.89. Over the past decade, Raiffeisen Bank International AG's ROE % has ranged from 5.45 to 22.60. According to the industry distribution chart, Raiffeisen Bank International AG ranks #1218 out of 1524 companies in the Banks industry, placing it in the top 79.9%.
Is Raiffeisen Bank International AG's ROE % too high?
Raiffeisen Bank International AG's current ROE % of 8.77% is 11% below median its 10-year median of 9.89. Over the past 10 years, this metric has ranged from a low of 5.45 to a high of 22.60. The Banks industry median ROE % is 10.22. Raiffeisen Bank International AG's value of 8.77% is 14.2% below this industry median. Based on the distribution chart, Raiffeisen Bank International AG ranks #1218 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Raiffeisen Bank International AG has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank International AG's ROE % compare to PNC?
According to the Banks industry distribution chart, Raiffeisen Bank International AG ranks #1218 out of 1524 companies for ROE %. This places Raiffeisen Bank International AG in the lower half of its industry. The industry median ROE % is 10.22. Raiffeisen Bank International AG's value of 8.77% is 14.2% below this benchmark. Historically, Raiffeisen Bank International AG's own ROE % has ranged from 5.45 to 22.60 over the past decade. While the company's 10-year median is 9.89 vs. the industry median of 10.22, Raiffeisen Bank International AG has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raiffeisen Bank International AG's current ROE % of 8.77% is 14.2% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Raiffeisen Bank International AG and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raiffeisen Bank International AG's current ROE % is 8.77%, which is 11% below median its own 10-year median of 9.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank International AG stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank International AG (HAM:RAW) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.70, compared to a current price of €55.30 — trading 231.1% above its estimated fair value. The current ROE % is 8.77%, which is 11% below median its 10-year median of 9.89 and 14.2% below the Banks industry median of 10.22. Raiffeisen Bank International AG's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Raiffeisen Bank International AG (HAM:RAW), the current ROE % is 8.77% as of Mar. 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 Raiffeisen Bank International AG (HAM:RAW) Overvalued in 2026?
Based on GuruFocus' analysis, Raiffeisen Bank International AG stock appears to be overvalued.
The current stock price of €55.30 is trading 231.1% above its estimated GF Value™ of €16.70.
GuruFocus considers Raiffeisen Bank International AG to be Significantly Overvalued.
Key valuation signals for HAM:RAW:
ROE %: 8.77% (11% below median its 10-year median of 9.89)
GF Value™: €16.70 vs. price of €55.30 (231.1% above fair value)
Industry Position: 14.2% below the Banks median (#1218 of 1524)
No single metric tells the full story. See the HAM:RAW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raiffeisen Bank International AG Business Description
Raiffeisen Bank International AG is a corporate and investment bank with Central and Eastern Europe (CEE) as its home market. The group also includes financial service providers in leasing, asset management, factoring, and M&A. Its segments are as follows: The Central Europe segment covers the Czech Republic, Hungary, Poland, and Slovakia, offering corporate and retail banking, leasing, asset management, and building society services. Southeastern Europe includes Albania, Bosnia and Herzegovina, Romania, and Serbia, providing banking, leasing, asset management, and pension fund services. Eastern Europe comprises Russia, where RBI serves corporate and private customers and leasing. Ukraine is served through a bank offering full financial services via digital channels and branches.
51GF Score
Get the complete analysis for HAM:RAW
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:RAW has been successfully added to your 
