-2.31%
1.60%
-1.55%
15.45%
23.30%
28.28%
88.43%
AI Spotlight on R4
Company Description
Renta 4 Banco, S.A., together with its subsidiaries, provides wealth management, brokerage, and corporate advisory services in Spain and internationally.It is involved in the management of collective investment institution (CII) and pension funds; discretionary management of equity portfolios and investment funds, or a combination of equity and investment funds; and provision of wealth management services.The company also offers security and CII custodian services; corporate advisory services, such as corporate finance or M&A; underwriting and placement services; and public debt management services, as well as outsources various services and corporate services.
In addition, it engages in the purchase and sale of securities and other financial instruments in Spain and international markets; and sale of CIIs and pension plans that are managed by the company and belonging to third parties.The company was founded in 1985 and is headquartered in Madrid, Spain.
Market Data
| Last Price | 12.7 |
| Change Percentage | -2.31% |
| Open | 12.6 |
| Previous Close | 13 |
| Market Cap ( Millions) | 517 |
| Volume | 520 |
| Year High | 13.6 |
| Year Low | 9.9 |
| M A 50 | 12.54 |
| M A 200 | 11.33 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 3.90% |
| ROE | 20.31% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -2447.34% |
| Price To Book | 3.21 |
| Price Earnings Ratio | 17.17 |
| Price To FCF | 0 |
| Price To sales | 2.03 |
| EV / EBITDA | -14.79 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Intermediation
Expected Growth : 5.2 %
What the company do ?
Intermediation from Renta 4 Banco, S.A. refers to the financial institution's role in facilitating transactions between buyers and sellers, earning a commission for its services.
Why we expect these perspectives ?
Renta 4 Banco's intermediation services are poised for growth driven by increasing demand for efficient transaction facilitation, rising e-commerce adoption, and expanding financial inclusion in Spain.
Segment n°2 -> Asset Management
Expected Growth : 5.5 %
What the company do ?
Renta 4 Banco's Asset Management offers investment solutions, managing clients' wealth through diversified portfolios, providing personalized financial advice and risk management strategies.
Why we expect these perspectives ?
Growing demand for personalized financial advice and risk management strategies, increasing adoption of diversified portfolios, and rising wealth management needs among high-net-worth individuals drive growth in Renta 4 Banco's Asset Management segment.
Segment n°3 -> Corporate Services
Expected Growth : 5.5 %
What the company do ?
Corporate Services from Renta 4 Banco, S.A. provides financial solutions for companies, including cash management, trade finance, and treasury services.
Why we expect these perspectives ?
Growing demand for cashless transactions, increasing adoption of digital payment systems, and rising need for efficient treasury management are driving the growth of corporate services segment.
Renta 4 Banco, S.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Renta 4 Banco offers a range of retail banking services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Renta 4 Banco provides corporate banking services, including cash management, trade finance, and treasury services, to businesses and corporations. |
| Investment Banking | Renta 4 Banco offers investment banking services, including mergers and acquisitions, equity and debt capital markets, and restructuring advisory services. |
| Wealth Management | Renta 4 Banco provides wealth management services, including investment advice, portfolio management, and estate planning, to high net worth individuals and families. |
| Brokerage Services | Renta 4 Banco offers brokerage services, including online trading, to individual and institutional investors. |
| Asset Management | Renta 4 Banco provides asset management services, including mutual funds, pension plans, and discretionary portfolio management. |
Renta 4 Banco, S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Renta 4 Banco, S.A. is medium due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is high due to the availability of multiple banking options and the ease of switching between financial institutions.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate favorable terms with its suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 11.89% |
| Debt Cost | 3.95% |
| Equity Weight | 88.11% |
| Equity Cost | 5.34% |
| WACC | 5.18% |
| Leverage | 13.50% |
Renta 4 Banco, S.A. : Quality Control
Renta 4 Banco, S.A. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PIN.L | Pantheon International PLC specializes in fund of fund investments. For fund of fund investments, it seeks to invest in private equity, buyout, venture, growth, secondary investment funds, and special situations … |
| ORES.ST | Investment AB Oresund is a publicly owned investment manager. Investment AB Oresund was founded in 1890 and is based in Stockholm, Sweden. |
| TAALA.HE | Taaleri Oyj is a publicly owned asset management holding company. The firm provides its services to private individuals, institutional investors and companies. Through its subsidiaries, the firm provides wealth management … |
| RATO-B.ST | Ratos AB (publ) is a private equity firm specializing in buyouts, turnarounds, add on acquisitions, and middle market transactions. The firm does not invest in early stages and in companies … |
| TAM.L | Tatton Asset Management plc provides fund management, compliance consultancy, and technical support services to independent financial advisors in the United Kingdom. The company operates through two segments, Tatton and Paradigm. … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Renta 4 Banco
A-Score
1-Year Total Return ->
🥈
Taaleri
A-Score
1-Year Total Return ->
🥉
Öresund
A-Score
1-Year Total Return ->
4
Tatton Asset Management
A-Score
1-Year Total Return ->
5
Ratos
A-Score
1-Year Total Return ->
6
