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Renta 4 Banco S.A
Buy, Hold or Sell?

Let's analyze Renta 4 Banco S.A together

I guess you are interested in Renta 4 Banco S.A. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Renta 4 Banco S.A. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Renta 4 Banco S.A (30 sec.)










1.2. What can you expect buying and holding a share of Renta 4 Banco S.A? (30 sec.)

How much money do you get?

How much money do you get?
€1.45
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€3.48
Expected worth in 1 year
€5.87
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
€3.78
Return On Investment
28.9%

For what price can you sell your share?

Current Price per Share
€13.10
Expected price per share
€13.00 - €13.60
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Renta 4 Banco S.A (5 min.)




Live pricePrice per Share (EOD)
€13.10
Intrinsic Value Per Share
€61.41 - €123.97
Total Value Per Share
€64.89 - €127.45

2.2. Growth of Renta 4 Banco S.A (5 min.)




Is Renta 4 Banco S.A growing?

Current yearPrevious yearGrowGrow %
How rich?$146.3m$121.2m$25m17.1%

How much money is Renta 4 Banco S.A making?

Current yearPrevious yearGrowGrow %
Making money$26.9m$22.2m$4.7m17.6%
Net Profit Margin13.1%19.4%--

How much money comes from the company's main activities?

2.3. Financial Health of Renta 4 Banco S.A (5 min.)




2.4. Comparing to competitors in the Asset Management industry (5 min.)




  Industry Rankings (Asset Management)  


Richest
#427 / 708

Most Revenue
#123 / 708

Most Profit
#217 / 708

Most Efficient
#493 / 708
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Renta 4 Banco S.A?

Welcome investor! Renta 4 Banco S.A's management wants to use your money to grow the business. In return you get a share of Renta 4 Banco S.A.

First you should know what it really means to hold a share of Renta 4 Banco S.A. And how you can make/lose money.

Speculation

The Price per Share of Renta 4 Banco S.A is €13.10. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Renta 4 Banco S.A.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Renta 4 Banco S.A, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €3.48. Based on the TTM, the Book Value Change Per Share is €0.60 per quarter. Based on the YOY, the Book Value Change Per Share is €-0.31 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.35 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Renta 4 Banco S.A.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.665.1%0.665.1%0.554.2%0.554.2%0.463.5%
Usd Book Value Change Per Share0.624.7%0.624.7%-0.32-2.4%0.231.7%0.171.3%
Usd Dividend Per Share0.362.8%0.362.8%0.372.8%0.342.6%0.282.1%
Usd Total Gains Per Share0.987.5%0.987.5%0.050.4%0.564.3%0.453.4%
Usd Price Per Share10.53-10.53-10.12-9.13-7.85-
Price to Earnings Ratio15.89-15.89-18.51-16.50-17.25-
Price-to-Total Gains Ratio10.78-10.78-192.93-49.52-34.72-
Price to Book Ratio2.93-2.93-3.40-2.92-2.91-
Price-to-Total Gains Ratio10.78-10.78-192.93-49.52-34.72-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share13.52968
Number of shares73
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.360.34
Usd Book Value Change Per Share0.620.23
Usd Total Gains Per Share0.980.56
Gains per Quarter (73 shares)71.3141.19
Gains per Year (73 shares)285.24164.75
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
11061802759966155
2211359560197132320
3317539845296199485
44227191130394265650
55288991415493331815
663310781700591397980
7739125819856904641145
8844143822707885301310
9950161725558875961475
101055179728409856621640

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%15.04.00.078.9%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.00.03.084.2%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.03.00.084.2%
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3.2. Key Performance Indicators

The key performance indicators of Renta 4 Banco S.A compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.5960.5960%-0.309+152%0.220+171%0.165+260%
Book Value Per Share--3.4823.4820%2.886+21%3.023+15%2.606+34%
Current Ratio--48.88148.8810%183.503-73%256.123-81%179.690-73%
Debt To Asset Ratio--0.9350.9350%0.951-2%0.940-1%0.934+0%
Debt To Equity Ratio--14.62314.6230%19.685-26%16.031-9%14.729-1%
Dividend Per Share--0.3500.3500%0.359-3%0.327+7%0.271+29%
Enterprise Value---733314360.000-733314360.0000%-1114233640.000+52%-732060284.8000%-673762350.713-8%
Eps--0.6420.6420%0.529+21%0.536+20%0.445+44%
Ev To Ebitda Ratio---15.203-15.2030%-25.868+70%-18.516+22%-21.062+39%
Ev To Sales Ratio---3.663-3.6630%-10.055+174%-6.417+75%-7.521+105%
Free Cash Flow Per Share--8.7668.7660%-9.944+213%3.764+133%3.384+159%
Free Cash Flow To Equity Per Share--8.0248.0240%-10.398+230%3.305+143%2.437+229%
Gross Profit Margin--0.9220.9220%0.885+4%0.903+2%0.901+2%
Intrinsic Value_10Y_max--123.971--------
Intrinsic Value_10Y_min--61.408--------
Intrinsic Value_1Y_max--5.644--------
Intrinsic Value_1Y_min--4.124--------
Intrinsic Value_3Y_max--22.123--------
Intrinsic Value_3Y_min--14.223--------
Intrinsic Value_5Y_max--44.832--------
Intrinsic Value_5Y_min--26.251--------
Market Cap533080920.000+22%415070640.000415070640.0000%398793360.000+4%359565115.200+15%309391849.287+34%
Net Profit Margin--0.1310.1310%0.194-33%0.184-29%0.190-31%
Operating Margin--0.1850.1850%-1.125+709%-0.911+593%-0.774+519%
Operating Ratio--1.6831.6830%1.609+5%1.638+3%1.577+7%
Pb Ratio3.762+22%2.9292.9290%3.396-14%2.917+0%2.909+1%
Pe Ratio20.403+22%15.88715.8870%18.514-14%16.497-4%17.246-8%
Price Per Share13.100+22%10.20010.2000%9.800+4%8.836+15%7.602+34%
Price To Free Cash Flow Ratio1.494+22%1.1641.1640%-0.986+185%0.991+17%2.422-52%
Price To Total Gains Ratio13.850+22%10.78410.7840%192.933-94%49.525-78%34.721-69%
Quick Ratio--59.38859.3880%360.214-84%393.187-85%286.021-79%
Return On Assets--0.0120.0120%0.009+33%0.011+13%0.011+8%
Return On Equity--0.1870.1870%0.185+1%0.178+5%0.171+9%
Total Gains Per Share--0.9460.9460%0.051+1762%0.546+73%0.436+117%
Usd Book Value--146335366.400146335366.4000%121289966.400+21%127043075.520+15%109530918.720+34%
Usd Book Value Change Per Share--0.6150.6150%-0.319+152%0.227+171%0.171+260%
Usd Book Value Per Share--3.5963.5960%2.981+21%3.122+15%2.691+34%
Usd Dividend Per Share--0.3610.3610%0.371-3%0.337+7%0.279+29%
Usd Enterprise Value---757367071.008-757367071.0080%-1150780503.392+52%-756071862.1410%-695861755.816-8%
Usd Eps--0.6630.6630%0.547+21%0.553+20%0.460+44%
Usd Free Cash Flow--368409055.200368409055.2000%-417914257.600+213%158202651.520+133%142263655.680+159%
Usd Free Cash Flow Per Share--9.0539.0530%-10.270+213%3.888+133%3.495+159%
Usd Free Cash Flow To Equity Per Share--8.2878.2870%-10.739+230%3.413+143%2.517+229%
Usd Market Cap550565974.176+22%428684956.992428684956.9920%411873782.208+4%371358850.979+15%319539901.944+34%
Usd Price Per Share13.530+22%10.53510.5350%10.121+4%9.126+15%7.851+34%
Usd Profit--26983965.60026983965.6000%22246512.000+21%22509049.760+20%18703388.320+44%
Usd Revenue--206749002.400206749002.4000%114452830.400+81%127558029.600+62%101699299.600+103%
Usd Total Gains Per Share--0.9770.9770%0.052+1762%0.564+73%0.450+117%
 EOD+4 -4MRQTTM+0 -0YOY+31 -95Y+30 -1010Y+30 -10

3.3 Fundamental Score

Let's check the fundamental score of Renta 4 Banco S.A based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1520.403
Price to Book Ratio (EOD)Between0-13.762
Net Profit Margin (MRQ)Greater than00.131
Operating Margin (MRQ)Greater than00.185
Quick Ratio (MRQ)Greater than159.388
Current Ratio (MRQ)Greater than148.881
Debt to Asset Ratio (MRQ)Less than10.935
Debt to Equity Ratio (MRQ)Less than114.623
Return on Equity (MRQ)Greater than0.150.187
Return on Assets (MRQ)Greater than0.050.012
Total6/10 (60.0%)

3.4 Technical Score

Let's check the technical score of Renta 4 Banco S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5060.571
Ma 20Greater thanMa 5012.650
Ma 50Greater thanMa 10012.556
Ma 100Greater thanMa 20012.080
OpenGreater thanClose13.100
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Renta 4 Banco S.A

Renta 4 Banco, S.A., together with its subsidiaries, engages in the provision of 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; and discretionary management of equity portfolios and investment funds, or a combination of equity and investment funds, as well as private wealth management services. The company also offers security and CII custodian services; corporate advice services, such as corporate finance and M&A; underwriting and placement services for issues and public offers; 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; 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.

Fundamental data was last updated by Penke on 2025-01-29 19:54:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Renta 4 Banco S.A earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • A Net Profit Margin of 13.1% means that €0.13 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Renta 4 Banco S.A:

  • The MRQ is 13.1%. The company is making a huge profit. +2
  • The TTM is 13.1%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.1%TTM13.1%0.0%
TTM13.1%YOY19.4%-6.4%
TTM13.1%5Y18.4%-5.4%
5Y18.4%10Y19.0%-0.6%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ13.1%56.5%-43.4%
TTM13.1%54.8%-41.7%
YOY19.4%65.3%-45.9%
5Y18.4%61.9%-43.5%
10Y19.0%59.2%-40.2%
4.3.1.2. Return on Assets

Shows how efficient Renta 4 Banco S.A is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • 1.2% Return on Assets means that Renta 4 Banco S.A generated €0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Renta 4 Banco S.A:

  • The MRQ is 1.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.2%TTM1.2%0.0%
TTM1.2%YOY0.9%+0.3%
TTM1.2%5Y1.1%+0.1%
5Y1.1%10Y1.1%0.0%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2%2.2%-1.0%
TTM1.2%2.0%-0.8%
YOY0.9%0.6%+0.3%
5Y1.1%1.9%-0.8%
10Y1.1%2.3%-1.2%
4.3.1.3. Return on Equity

Shows how efficient Renta 4 Banco S.A is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • 18.7% Return on Equity means Renta 4 Banco S.A generated €0.19 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Renta 4 Banco S.A:

  • The MRQ is 18.7%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 18.7%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ18.7%TTM18.7%0.0%
TTM18.7%YOY18.5%+0.2%
TTM18.7%5Y17.8%+0.8%
5Y17.8%10Y17.1%+0.7%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ18.7%3.7%+15.0%
TTM18.7%3.4%+15.3%
YOY18.5%1.6%+16.9%
5Y17.8%3.2%+14.6%
10Y17.1%3.6%+13.5%
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4.3.2. Operating Efficiency of Renta 4 Banco S.A.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Renta 4 Banco S.A is operating .

  • Measures how much profit Renta 4 Banco S.A makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • An Operating Margin of 18.5% means the company generated €0.18  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Renta 4 Banco S.A:

  • The MRQ is 18.5%. The company is operating efficient. +1
  • The TTM is 18.5%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ18.5%TTM18.5%0.0%
TTM18.5%YOY-112.5%+130.9%
TTM18.5%5Y-91.1%+109.6%
5Y-91.1%10Y-77.4%-13.7%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ18.5%75.6%-57.1%
TTM18.5%71.2%-52.7%
YOY-112.5%73.7%-186.2%
5Y-91.1%64.4%-155.5%
10Y-77.4%58.4%-135.8%
4.3.2.2. Operating Ratio

Measures how efficient Renta 4 Banco S.A is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Asset Management industry mean).
  • An Operation Ratio of 1.68 means that the operating costs are €1.68 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 1.683. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.683. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.683TTM1.6830.000
TTM1.683YOY1.609+0.074
TTM1.6835Y1.638+0.045
5Y1.63810Y1.577+0.061
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ1.6830.853+0.830
TTM1.6830.763+0.920
YOY1.6090.457+1.152
5Y1.6380.519+1.119
10Y1.5770.551+1.026
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4.4.3. Liquidity of Renta 4 Banco S.A.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Renta 4 Banco S.A is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Asset Management industry mean).
  • A Current Ratio of 48.88 means the company has €48.88 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 48.881. The company is very able to pay all its short-term debts. +2
  • The TTM is 48.881. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ48.881TTM48.8810.000
TTM48.881YOY183.503-134.622
TTM48.8815Y256.123-207.243
5Y256.12310Y179.690+76.433
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ48.8812.656+46.225
TTM48.8813.030+45.851
YOY183.5033.506+179.997
5Y256.1235.102+251.021
10Y179.6907.223+172.467
4.4.3.2. Quick Ratio

Measures if Renta 4 Banco S.A is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • A Quick Ratio of 59.39 means the company can pay off €59.39 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 59.388. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 59.388. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ59.388TTM59.3880.000
TTM59.388YOY360.214-300.826
TTM59.3885Y393.187-333.800
5Y393.18710Y286.021+107.166
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ59.3882.442+56.946
TTM59.3882.695+56.693
YOY360.2143.984+356.230
5Y393.1876.041+387.146
10Y286.0218.955+277.066
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4.5.4. Solvency of Renta 4 Banco S.A.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Renta 4 Banco S.A assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Renta 4 Banco S.A to Asset Management industry mean.
  • A Debt to Asset Ratio of 0.94 means that Renta 4 Banco S.A assets are financed with 93.5% credit (debt) and the remaining percentage (100% - 93.5%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 0.935. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.935. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.935TTM0.9350.000
TTM0.935YOY0.951-0.016
TTM0.9355Y0.940-0.005
5Y0.94010Y0.934+0.006
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9350.188+0.747
TTM0.9350.187+0.748
YOY0.9510.172+0.779
5Y0.9400.187+0.753
10Y0.9340.181+0.753
4.5.4.2. Debt to Equity Ratio

Measures if Renta 4 Banco S.A is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • A Debt to Equity ratio of 1,462.3% means that company has €14.62 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 14.623. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.623. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ14.623TTM14.6230.000
TTM14.623YOY19.685-5.061
TTM14.6235Y16.031-1.408
5Y16.03110Y14.729+1.302
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ14.6230.233+14.390
TTM14.6230.232+14.391
YOY19.6850.207+19.478
5Y16.0310.252+15.779
10Y14.7290.252+14.477
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Renta 4 Banco S.A generates.

  • Above 15 is considered overpriced but always compare Renta 4 Banco S.A to the Asset Management industry mean.
  • A PE ratio of 15.89 means the investor is paying €15.89 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Renta 4 Banco S.A:

  • The EOD is 20.403. Based on the earnings, the company is fair priced.
  • The MRQ is 15.887. Based on the earnings, the company is fair priced.
  • The TTM is 15.887. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD20.403MRQ15.887+4.517
MRQ15.887TTM15.8870.000
TTM15.887YOY18.514-2.627
TTM15.8875Y16.497-0.610
5Y16.49710Y17.246-0.749
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD20.4037.622+12.781
MRQ15.8876.986+8.901
TTM15.8876.986+8.901
YOY18.5144.698+13.816
5Y16.4975.575+10.922
10Y17.2467.626+9.620
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Renta 4 Banco S.A:

  • The EOD is 1.494. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.164. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.164. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.494MRQ1.164+0.331
MRQ1.164TTM1.1640.000
TTM1.164YOY-0.986+2.149
TTM1.1645Y0.991+0.173
5Y0.99110Y2.422-1.431
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD1.4944.509-3.015
MRQ1.1644.792-3.628
TTM1.1645.251-4.087
YOY-0.9863.531-4.517
5Y0.9913.209-2.218
10Y2.4222.492-0.070
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Renta 4 Banco S.A is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Asset Management industry mean).
  • A PB ratio of 2.93 means the investor is paying €2.93 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Renta 4 Banco S.A:

  • The EOD is 3.762. Based on the equity, the company is fair priced.
  • The MRQ is 2.929. Based on the equity, the company is underpriced. +1
  • The TTM is 2.929. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD3.762MRQ2.929+0.833
MRQ2.929TTM2.9290.000
TTM2.929YOY3.396-0.466
TTM2.9295Y2.917+0.012
5Y2.91710Y2.909+0.008
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD3.7620.971+2.791
MRQ2.9290.916+2.013
TTM2.9290.916+2.013
YOY3.3960.927+2.469
5Y2.9171.009+1.908
10Y2.9091.163+1.746
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-12-312020-12-312021-12-312022-12-312023-12-31
Other Current Assets  -652,215-91,959-744,174-450,247-1,194,421422,927-771,494774,4432,949
Other Assets  159,13754,691213,828373,637587,465292,617880,082-1,198,438-318,356
EBIT  -99,302-30,925-130,227-9,136-139,36314,713-124,650161,61036,960



6.2. Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets2,190,176
Total Liabilities2,048,488
Total Stockholder Equity140,084
 As reported
Total Liabilities 2,048,488
Total Stockholder Equity+ 140,084
Total Assets = 2,190,176

Assets

Total Assets2,190,176
Total Current Assets900,137
Long-term Assets1,608,395
Total Current Assets
Cash And Cash Equivalents 900,103
Short-term Investments 193,490
Net Receivables 34
Total Current Assets  (as reported)900,137
Total Current Assets  (calculated)1,093,627
+/- 193,490
Long-term Assets
Property Plant Equipment 59,089
Goodwill 15,291
Long Term Investments 318,322
Intangible Assets 7,143
Other Assets -318,356
Long-term Assets  (as reported)1,608,395
Long-term Assets  (calculated)81,489
+/- 1,526,906

Liabilities & Shareholders' Equity

Total Current Liabilities18,415
Long-term Liabilities3,933,882
Total Stockholder Equity140,084
Total Current Liabilities
Short-term Debt 18,905
Accounts payable 7,682
Other Current Liabilities -15,718
Total Current Liabilities  (as reported)18,415
Total Current Liabilities  (calculated)10,869
+/- 7,546
Long-term Liabilities
Long-term Liabilities  (as reported)3,933,882
Long-term Liabilities  (calculated)0
+/- 3,933,882
Total Stockholder Equity
Common Stock18,312
Retained Earnings 17,581
Accumulated Other Comprehensive Income 95,695
Other Stockholders Equity 8,496
Total Stockholder Equity (as reported)140,084
Total Stockholder Equity (calculated)140,084
+/-0
Other
Capital Stock18,312
Cash and Short Term Investments 900,103
Common Stock Shares Outstanding 40,681
Current Deferred Revenue-11,223
Liabilities and Stockholders Equity 2,190,176
Net Debt -857,270
Net Invested Capital 140,107
Net Working Capital 881,722
Property Plant and Equipment Gross 100,447
Short Long Term Debt Total 42,833



6.3. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-31
> Total Assets 
391,463
509,934
717,982
538,706
508,006
417,113
490,789
619,776
904,699
1,491,835
1,075,356
1,195,118
1,221,538
1,346,269
1,766,938
1,779,135
2,201,450
2,410,341
2,190,176
2,190,1762,410,3412,201,4501,779,1351,766,9381,346,2691,221,5381,195,1181,075,3561,491,835904,699619,776490,789417,113508,006538,706717,982509,934391,463
   > Total Current Assets 
0
0
0
465,075
103,612
59,248
1,361
61,039
38,637
63,868
148,218
467,866
399,188
433,053
652,747
744,900
1,197,245
779,886
900,137
900,137779,8861,197,245744,900652,747433,053399,188467,866148,21863,86838,63761,0391,36159,248103,612465,075000
       Cash And Cash Equivalents 
0
0
0
465,075
103,612
59,248
1,361
60,000
38,147
63,629
147,995
467,635
398,907
433,053
652,747
744,900
1,197,245
779,876
900,103
900,103779,8761,197,245744,900652,747433,053398,907467,635147,99563,62938,14760,0001,36159,248103,612465,075000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
392,432
926
0
0
407,816
357,733
322,821
353,434
751,023
193,490
193,490751,023353,434322,821357,733407,81600926392,432000000000
       Net Receivables 
0
0
0
0
0
0
0
1,314
323
239
223
231
281
1,551
119,724
165,737
81
10
34
341081165,737119,7241,5512812312232393231,3140000000
       Other Current Assets 
0
0
0
0
0
0
1,205
790
394,058
356,781
-7,358
1,195,118
1,221,538
1,346,269
-652,215
-744,174
-1,194,421
-771,494
2,949
2,949-771,494-1,194,421-744,174-652,2151,346,2691,221,5381,195,118-7,358356,781394,0587901,205000000
   > Long-term Assets 
0
0
0
173,456
39,303
66,538
89,260
298,225
451,880
683,091
550,192
627,298
654,633
802,335
955,054
820,407
416,740
750,373
1,608,395
1,608,395750,373416,740820,407955,054802,335654,633627,298550,192683,091451,880298,22589,26066,53839,303173,456000
       Property Plant Equipment 
25,670
25,755
30,435
30,804
29,604
24,159
29,768
27,307
28,360
30,958
36,051
36,538
36,432
37,257
58,579
56,944
55,713
57,847
59,089
59,08957,84755,71356,94458,57937,25736,43236,53836,05130,95828,36027,30729,76824,15929,60430,80430,43525,75525,670
       Goodwill 
4,480
11,011
9,650
8,969
8,939
8,939
15,291
16,106
15,460
15,420
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,29115,29115,29115,29115,29115,29115,29115,29115,29115,42015,46016,10615,2918,9398,9398,9699,65011,0114,480
       Long Term Investments 
0
0
0
0
0
0
0
0
405,036
632,508
196,442
573,193
600,625
746,786
877,962
743,353
339,962
670,404
318,322
318,322670,404339,962743,353877,962746,786600,625573,193196,442632,508405,03600000000
       Intangible Assets 
0
0
0
1,025
760
1,014
1,475
1,394
1,987
2,441
2,254
2,276
2,285
3,001
3,222
4,819
5,774
6,831
7,143
7,1436,8315,7744,8193,2223,0012,2852,2762,2542,4411,9871,3941,4751,0147601,025000
> Total Liabilities 
356,482
444,014
553,487
461,666
444,040
354,528
421,707
560,881
830,356
1,410,957
993,261
1,104,612
1,126,536
1,249,268
1,662,687
1,657,464
2,071,456
2,292,903
2,048,488
2,048,4882,292,9032,071,4561,657,4641,662,6871,249,2681,126,5361,104,612993,2611,410,957830,356560,881421,707354,528444,040461,666553,487444,014356,482
   > Total Current Liabilities 
0
0
0
0
0
191,336
0
26
5
1,707
1,989
2,837
4,794
2,773
2,748
3,161
2,082
4,250
18,415
18,4154,2502,0823,1612,7482,7734,7942,8371,9891,7075260191,33600000
       Short-term Debt 
0
0
0
0
0
0
0
0
485,908
1,370
332
60,077
27,860
29,603
29,348
14,046
13,757
13,805
18,905
18,90513,80513,75714,04629,34829,60327,86060,0773321,370485,90800000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
485,908
1,370
332
139,766
10,164
0
9,808
0
0
0
0
00009,808010,164139,7663321,370485,90800000000
       Accounts payable 
0
0
0
0
215,736
191,336
0
26
5
1,707
1,989
2,837
4,794
2,773
2,748
3,161
2,082
4,250
7,682
7,6824,2502,0823,1612,7482,7734,7942,8371,9891,7075260191,336215,7360000
   > Long-term Liabilities 
0
0
0
0
0
122,202
0
12,300
12,299
81
74
58
58
58
20,986
20,639
19,666
4,250
3,933,882
3,933,8824,25019,66620,63920,986585858748112,29912,3000122,20200000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,639
19,666
21,799
0
021,79919,66620,639000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
76,706
456,400
81,678
99,712
135,624
118,580
161,896
117,999
236,742
190,946
0
0190,946236,742117,999161,896118,580135,62499,71281,678456,40076,70600000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
751
699
507
931
1,069
0
2,141
1,651
0
01,6512,14101,0699315076997510000000000
> Total Stockholder Equity
34,981
65,920
164,495
75,914
63,966
61,477
67,987
57,104
73,032
79,326
82,048
89,563
94,352
96,316
103,331
120,765
129,205
116,481
140,084
140,084116,481129,205120,765103,33196,31694,35289,56382,04879,32673,03257,10467,98761,47763,96675,914164,49565,92034,981
   Common Stock
0
0
0
0
0
0
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,312000000
   Retained Earnings Total Equity0000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
-768
90,506
95,002
97,001
77,124
94,443
102,883
90,159
95,695
95,69590,159102,88394,44377,12497,00195,00290,506-7680000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,496
8,496
8,496
0
08,4968,4968,496000000000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
34,981
65,920
163,396
77,040
13,955
59,198
12,293
1,533
6,048
6,096
6,626
8,126
7,853
7,733
7,895
-10,127
-17,327
-13,530
8,496
8,496-13,530-17,327-10,1277,8957,7337,8538,1266,6266,0966,0481,53312,29359,19813,95577,040163,39665,92034,981



6.4. Balance Sheets

Currency in EUR. All numbers in thousands.




6.5. Cash Flows

Currency in EUR. All numbers in thousands.




6.6. Income Statements

Currency in EUR. All numbers in thousands.