NatWest Group (RYSD) Stock Price & Analysis
RYSD Stock Chart & Stats
- Day’s Range
- EUR 6.92 - EUR 7.42
- 52-Week Range
- EUR 5.87 - EUR 8.46
- Previous Close
- EUR 7.61
- Volume
- 138.06K
- Average Volume (3M)
- 53.49K
- Market Cap
- EUR 54.75B
- Enterprise Value
- EUR 55.87B
- Total Cash (Recent Filing)
- EUR 135.78B
- Total Debt (Recent Filing)
- EUR 6.64B
- Price to Earnings (P/E)
- 6.1
- Beta
- 0.98
- Next Earnings
- Feb 12, 2027 (Est.)
- EPS Estimate
- 0.21
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.87%
Bulls Say, Bears Say
Bulls Say
Broad-Based Customer Growth
Growth across lending, deposits and customer balances indicates broad demand across NatWest’s three businesses rather than reliance on one product. Continued expansion can deepen relationships, improve scale and support recurring income over the next several quarters.
Improving Operating Leverage
收入 growth exceeding expense growth demonstrates improving operating leverage and gives NatWest more capacity to invest while protecting profitability. Structural simplification and GBP 420 million of gross savings could support sustainable efficiency gains beyond a single reporting period.
Strong Capital And Liquidity
A strong CET1 position and liquidity buffer improve NatWest’s resilience through credit or funding stress and preserve flexibility for lending growth. High capital generation also supports distributions and investment while keeping regulatory headroom comfortably above minimum requirements.
Bears Say
Persistent Margin Pressure
Flat net interest margin limits the ability of loan growth to translate into faster revenue expansion. Mortgage repricing, lending mix and increased wholesale funding may continue offsetting structural-hedge benefits, keeping profitability dependent on volume and cost discipline.
Funding Mix Pressure
When lending grows faster than deposits, NatWest must rely more on wholesale funding to support customer demand. That can raise funding costs and increase sensitivity to market conditions, potentially limiting the benefit of balance-sheet growth even as loan volumes expand.
Volatile Cash Conversion
Repeated swings into negative operating and free cash flow make reported earnings less straightforward to convert into internally available cash. This volatility can constrain flexibility for investment and distributions and leaves results more exposed to balance-sheet movements.
NatWest Group News
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NatWest Group Stock Smart Score
Company Description
NatWest Group
NatWest Group plc, a venerable financial institution established in Edinburgh, UK, in 1727, delivers a comprehensive array of banking and financial services. Serving a broad spectrum of clients, including individual consumers, small and medium-sized businesses, large corporations, and institutional customers, its operations span the United Kingdom and extend internationally. The company's structure comprises five core divisions. Retail Banking provides everyday services like current and savings accounts, mortgages, and personal loans, augmented by mobile and online platforms. Commercial Banking furnishes financing and solutions tailored for start-ups, SMEs, and corporate entities. The Private Banking segment focuses on bespoke banking and wealth management for affluent individuals and their business interests. RBS International caters to institutional clients, also managing wholesale branches and fund depositary services. Finally, NatWest Markets assists corporate and institutional customers in strategically managing financial risks to meet both their immediate and long-term sustainable financial objectives. Formerly known as The Royal Bank of Scotland Group plc until its rebranding in July 2020, NatWest Group plc boasts a substantial physical presence, with approximately 800 branches and around 16,000 other points of access.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- John Paul Thwaite
- Employees
- 59,000
- Website
- www.natwestgroup.com
- Address
- Gogarburn, Edinburgh, SCT, EH12 1HQ, GB
NatWest Group (RYSD) Earnings & Revenues
RYSD Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. NatWest reported broad-based balance-sheet growth, improving operating leverage, strong earnings and returns, resilient credit performance, high capital generation, and a robust capital and liquidity position. The main challenges were broadly stable margins, higher quarterly impairments, deposit growth lagging lending growth, mortgage-margin pressure, and a planned Q4 cost step-up, but management maintained its guidance and expressed confidence in continued growth and returns.
View all DE:RYSD earnings summariesRYSD Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |