-0.16%
7.68%
17.76%
17.63%
92.27%
65.87%
84.18%
AI Spotlight on NWG
Company Description
NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally.It operates through Retail Banking, Commercial Banking, Private Banking, RBS International, and NatWest Markets segments.The Retail Banking segment offers a range of banking products and related financial services, such as current accounts, mortgages, personal unsecured lending, and personal deposits, as well as mobile and online banking services.
The Commercial Banking segment offers banking and financing solutions to start-up, SME, commercial, corporate, and institutional customers.The Private Banking segment provides private banking and wealth management products for high-net-worth individuals and their business interests.The RBS International segment offers banking various products and services to institutional customers.
It also operates in wholesale branches and fund depositary service businesses.The NatWest Markets segment provides services to corporate and institutional customers for the management of financial risks for achieving short-term and long-term sustainable financial goals.NatWest Group plc operates approximately 800 branches and 16,000 physical points of presence.
The company was formerly known as The Royal Bank of Scotland Group plc and changed its name to NatWest Group plc in July 2020.NatWest Group plc was founded in 1727 and is headquartered in Edinburgh, the United Kingdom.
Market Data
| Last Price | 433 |
| Change Percentage | -0.16% |
| Open | 434 |
| Previous Close | 433.7 |
| Market Cap ( Millions) | 34824 |
| Volume | 27262762 |
| Year High | 436.6 |
| Year Low | 203.4 |
| M A 50 | 404.16 |
| M A 200 | 353.11 |
Financial Ratios
| FCF Yield | 2.67% |
| Dividend Yield | 0.07% |
| ROE | 13.29% |
| Debt / Equity | 144.62% |
| Net Debt / EBIDTA | 2759.14% |
| Price To Book | 1.06 |
| Price Earnings Ratio | 7.82 |
| Price To FCF | 37.44 |
| Price To sales | 1.38 |
| EV / EBITDA | 47.24 |
News
- Jan -30 - UK 7-day current account switching: 1.2 million switches in 2024
- Jan -29 - NatWest invests in AI platform Serene
- Jan -27 - Is NatWest Group plc (NWG) the Best European Bank Stock to Buy According to Analysts?
- Jan -22 - Best credit card deals of the week, 22 January
- Jan -14 - The Zacks Analyst Blog Highlights Amazon, NatWest and Tencent
- Jan -10 - NWG or UOVEY: Which Is the Better Value Stock Right Now?
- Jan -03 - Masterfreight secures £2.74m for Oldbury site upgrades
- Dec -31 - From Tariff Man to Starmergeddon: 2024’s business words of the year
- Dec -30 - Is NatWest Group plc (NWG) Among the U.K. Dividend Champions for 2024?
- Dec -29 - Is NatWest Group plc (NWG) Among the U.K. Dividend Aristocrats for 2024?
- Dec -24 - FTSE 100 best performing stocks of 2024
- Dec -20 - Best paying FTSE 100 stocks of 2024
- Dec -07 - Why Is NatWest Group plc (NWG) Among the Best Bank Stocks to Invest In Now?
- Dec -02 - Shops suffer worst slump since pandemic amid fears over economy
- Nov -28 - Aviva, NatWest Group enter protection partnership
- Nov -20 - FTSE 100 and European-listed stocks to own in 2025, according to Barclays
- Nov -18 - NatWest turns to NCR Atleos for ATM network upgrade
- Nov -13 - Is Natwest Group Plc (NWG) Poised to Benefit From Improving Margin Trends?
- Nov -13 - Best credit card deals of the week, 13 November
- Nov -11 - FTSE 100 Live 11 November: NatWest cuts Treasury stake with £1bn buyback, Bitcoin tops $81,000
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Commercial & Institutional
Expected Growth : 2.5 %
What the company do ?
Commercial & Institutional is a segment of NatWest Group plc that provides financial services to large corporate and institutional clients, including cash management, trade finance, and risk management solutions.
Why we expect these perspectives ?
NatWest Group plc's Commercial & Institutional segment growth of 2.5% is driven by increasing demand for corporate lending, growth in transaction banking, and expansion in specialized industries such as healthcare and technology. Additionally, strategic partnerships and investments in digital capabilities are enhancing customer experience and driving revenue growth.
Segment n°2 -> Retail Banking
Expected Growth : 2.8 %
What the company do ?
Retail Banking from NatWest Group plc provides personal and business banking services, including current accounts, savings, loans, and mortgages to individuals and small businesses.
Why we expect these perspectives ?
NatWest Group plc's Retail Banking segment growth of 2.8% is driven by increasing demand for digital banking services, growth in mortgage lending, and a strong focus on customer acquisition and retention. Additionally, the segment has benefited from the UK's low interest rate environment, leading to increased consumer spending and borrowing.
Segment n°3 -> Private Banking
Expected Growth : 3.2 %
What the company do ?
Private Banking from NatWest Group plc offers personalized wealth management services to high net worth individuals, providing tailored investment advice and bespoke financial solutions.
Why we expect these perspectives ?
NatWest Group plc's Private Banking segment growth of 3.2% is driven by increasing demand for wealth management services, strategic partnerships, and expansion into new markets. Additionally, the segment benefits from the group's strong brand reputation, digital transformation, and a favorable interest rate environment, leading to increased assets under management and revenue growth.
Segment n°4 -> Central Items and Other
Expected Growth : 2.2 %
What the company do ?
Central Items and Other from NatWest Group plc refers to the residual category of unallocated items, including treasury, unallocated costs, and other miscellaneous items not attributed to specific business segments.
Why we expect these perspectives ?
NatWest Group plc's 2.2% growth in Central Items and Other is driven by increasing net interest income, improved cost savings, and a robust balance sheet. Additionally, the bank's strategic investments in digital transformation and risk management have enhanced operational efficiency, contributing to the growth. Furthermore, a favorable interest rate environment and a stable economic backdrop have also supported the segment's growth.
Natwest Group Plc Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Personal banking services for individual customers, including current accounts, savings accounts, credit cards, loans, and mortgages. |
| Business Banking | Business banking services for small to medium-sized enterprises, including business current accounts, loans, and credit cards. |
| Commercial Banking | Commercial banking services for large corporations, including cash management, trade finance, and risk management solutions. |
| Markets and International Banking | Markets and international banking services, including foreign exchange, commodities, and debt capital markets. |
| Private Banking | Private banking services for high net worth individuals, including investment management, wealth planning, and lending. |
| RBS International | International banking services for offshore customers, including deposit accounts, lending, and investment products. |
NatWest Group plc's Porter Forces
Threat Of Substitutes
NatWest Group plc operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand presence and wide range of financial services mitigate the threat of substitutes.
Bargaining Power Of Customers
NatWest Group plc's customers have significant bargaining power due to the availability of alternative financial institutions and online banking services. This forces the company to maintain competitive pricing and high-quality services.
Bargaining Power Of Suppliers
NatWest Group plc has a strong bargaining position with its suppliers, given its large scale of operations and significant market share. This enables the company to negotiate favorable terms with its suppliers.
Threat Of New Entrants
The threat of new entrants is low due to the significant barriers to entry in the banking industry, including regulatory hurdles, high capital requirements, and the need for a large customer base.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. NatWest Group plc faces intense rivalry from other major banks, which drives innovation and competitive pricing.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 79.20% |
| Debt Cost | 3.95% |
| Equity Weight | 20.80% |
| Equity Cost | 10.49% |
| WACC | 5.31% |
| Leverage | 380.82% |
NatWest Group plc : Quality Control
NatWest Group plc passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| INGA.AS | ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates … |
| UBSG.SW | UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and … |
| HSBA.L | HSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking … |
| BARC.L | Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK … |
| BBVA.MC | Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Barclays
A-Score
1-Year Total Return ->
🥈
BBVA
A-Score
1-Year Total Return ->
🥉
HSBC
A-Score
1-Year Total Return ->
4
NatWest
A-Score
1-Year Total Return ->
5
ING
A-Score
1-Year Total Return ->
6
