NatWest Group plc (NWG) 10-Year Financial Performance & Capital Metrics

NWG • • Banking & Credit

Financial ServicesDiversified BanksEuropean universal banks

AboutNatWest 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.Show more

Net Interest Income $11.28B +2.0%
Total Revenue $28.57B +101.6%
Net Income $4.8B +3.6%
Return on Equity 12.54% -0.3%
Net Interest Margin 1.59% -0.2%
Efficiency Ratio 29.61% -45.1%
ROA 0.69% +4.5%
Equity / Assets 5.56% +3.6%
Book Value per Share 9.25 +14.6%
Tangible BV/Share 7.47 +16.4%
Debt/Equity 1.67 +3.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.6% efficiency ratio
✓Healthy dividend yield of 3.4%
✓Share count reduced 7.6% through buybacks
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak NIM of 1.6%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y4.45%

5Y13.68%

3Y34.47%

TTM-

Profit (Net Income) CAGR

10Y-

5Y6.29%

3Y13.69%

TTM18.09%

EPS CAGR

10Y-

5Y13.61%

3Y25.21%

TTM22.92%

ROCE

10Y Avg0.91%

5Y Avg1.43%

3Y Avg1.96%

Latest2.72%

Peer Comparison

European universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
HSBCHSBC Holdings plc	319.84B	93.16	15.03	10.64%	16.73%	8.9%	19.2%	1.26
SANBanco Santander, S.A.	181.42B	12.36	13.61	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	130.92B	23.13	11.67	16.23%	31.85%	16.84%		2.41
NWGNatWest Group plc	66.16B	16.60	11.64	101.57%	16.81%	12.5%	1.41%	1.67
INGING Groep N.V.	83.27B	28.77	11.51	-65.31%	27.47%	12.42%		3.32
BCSBarclays PLC	83.73B	24.28	11.00	-48.05%	26.74%	9.17%		5.59

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	8.77B	8.71B	8.99B	8.66B	7.8B	7.39B	7.54B	9.84B	11.05B	11.28B
NII Growth %	-5.3%	-0.67%	3.2%	-3.68%	-9.9%	-5.26%	1.98%	30.62%	12.26%	2.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	11.93B	11.26B	11.03B	11.05B	11.13B	9.71B	9.23B	12.64B	21.03B	25.19B
Interest Expense	3.16B	2.55B	2.05B	2.39B	3.33B	2.32B	1.7B	2.79B	9.98B	13.91B
Loan Loss Provision	0	0	0	0	0	0	0	-2.79B	-9.98B	0
Non-Interest Income+	4.16B	3.66B	3.73B	4.68B	3.92B	3.37B	2.51B	343M	-6.86B	3.38B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	16.09B	14.92B	14.76B	15.73B	15.05B	13.08B	11.75B	12.98B	14.17B	28.57B
Revenue Growth %	-12.96%	-7.29%	-1.03%	6.58%	-4.37%	-13.06%	-10.2%	10.5%	9.18%	101.57%
Non-Interest Expense	15.63B	16.45B	10.48B	9.98B	7.74B	11.31B	7.67B	7.3B	7.64B	8.46B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.06B	-3.15B	3.83B	4.04B	3.98B	-553M	4.07B	5.68B	6.53B	6.2B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-73.96%	-397.08%	221.3%	5.64%	-1.48%	-113.88%	836.71%	39.37%	15.01%	-5.13%
Pretax Income+	-2.7B	-4.08B	2.24B	3.36B	3.98B	-553M	3.84B	5.13B	6.18B	6.2B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	23M	1.17B	731M	1.21B	439M	74M	996M	1.27B	1.43B	1.47B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.59B	-5.2B	1.47B	2.16B	3.54B	-372M	3.27B	3.59B	4.64B	4.8B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	42.48%	-226.16%	128.33%	46.57%	63.92%	-110.51%	978.49%	9.82%	29.17%	3.58%
Net Income (Continuing)	-2.73B	-5.25B	1.42B	2.15B	3.54B	-627M	2.85B	3.86B	4.74B	4.73B
EPS (Diluted)+	-0.36	-1.28	0.14	0.28	0.56	-0.17	0.54	0.68	0.98	1.06
EPS Growth %	45.45%	-255.56%	110.94%	100%	100%	-130.36%	417.65%	25.93%	44.12%	8.16%
EPS (Basic)	-0.36	-1.28	0.14	0.28	0.56	-0.17	0.54	0.68	0.98	1.06
Diluted Shares Outstanding	5.37B	5.45B	5.54B	5.6B	5.62B	5.62B	5.41B	4.96B	4.61B	4.26B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	79.4B	75.03B	99.35B	89.38B	145.91B	209.81B	261.23B	145.06B	104.52B	93.05B
Cash & Due from Banks	79.4B	74.25B	98.34B	88.9B	81.04B	124.64B	177.82B	145.06B	104.52B	93.05B
Short Term Investments	0	781M	1.02B	-54.09B	64.87B	85.17B	83.41B	0	0	0
Total Investments+	345.97B	320.21B	216.44B	213.36B	185.28B	222.93B	174.32B	443.38B	421.52B	428.28B
Investments Growth %	-22.41%	-7.45%	-32.4%	-1.42%	-13.16%	20.32%	-21.8%	154.35%	-4.93%	1.6%
Long-Term Investments	345.97B	320.21B	216.44B	267.45B	120.41B	137.76B	90.92B	443.38B	421.52B	428.28B
Accounts Receivables	0	0	378M	317M	275M	216M	248M	327M	292M	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	5.56B	5.56B	5.56B	5.61B	5.61B	5.61B	5.52B	5.52B	5.68B	5.67B
Intangible Assets	979M	922M	985M	1.01B	1.01B	1.05B	1.2B	1.59B	1.93B	1.91B
PP&E (Net)	4.48B	4.59B	4.6B	4.35B	4.93B	4.42B	4.23B	4.24B	4.23B	3.97B
Other Assets	-2.63B	-1.8B	-1.74B	-224.33B	443.5B	439.41B	417.09B	-307.41B	152.26B	173.22B
Total Current Assets	79.73B	75.44B	99.73B	89.7B	146.57B	210.35B	261.84B	145.39B	105.16B	93.05B
Total Non-Current Assets	356.99B	331.28B	227.59B	224.33B	576.47B	589.14B	520.15B	149.5B	587.51B	614.93B
Total Assets+	815.41B	798.66B	738.06B	694.24B	723.04B	799.49B	781.99B	720.05B	692.67B	707.99B
Asset Growth %	-22.4%	-2.05%	-7.59%	-5.94%	4.15%	10.57%	-2.19%	-7.92%	-3.8%	2.21%
Return on Assets (ROA)	-0.17%	-0.64%	0.19%	0.3%	0.5%	-0.05%	0.41%	0.48%	0.66%	0.69%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	51B	46.66B	43.28B	49.91B	56.88B	56.53B	58.33B	39.93B	60.07B	65.92B
Net Debt	-28.41B	-27.59B	-55.06B	-38.99B	-24.17B	-68.11B	-119.49B	-105.13B	-44.44B	-27.13B
Long-Term Debt	0	0	0	0	56.88B	56.53B	58.33B	39.93B	60.07B	65.92B
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	-1.24B	-1.15B	-1.05B	-905M	192.87B	207.21B	152.44B	643.62B	127.79B	125.11B
Total Current Liabilities	369B	334.44B	110.45B	228.54B	429.74B	491.92B	529.41B	187.53B	467.62B	477.58B
Total Non-Current Liabilities	761.26B	749.25B	688.96B	647.75B	249.74B	263.74B	210.78B	683.56B	187.87B	191.03B
Total Liabilities	761.26B	749.25B	688.96B	647.75B	679.48B	755.67B	740.19B	683.56B	655.49B	668.61B
Total Equity+	54.15B	49.4B	49.09B	46.49B	43.56B	43.82B	41.8B	36.5B	37.19B	39.38B
Equity Growth %	-10.04%	-8.76%	-0.63%	-5.3%	-6.31%	0.62%	-4.61%	-12.7%	1.9%	5.89%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-2.79%	-10.04%	2.99%	4.52%	7.86%	-0.85%	7.63%	9.17%	12.58%	12.54%
Book Value per Share	10.07	9.06	8.86	8.30	7.75	7.80	7.72	7.35	8.07	9.25
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.63B	11.82B	11.96B	16.11B	12.09B	12.13B	11.47B	10.54B	10.84B	8.97B
Additional Paid-in Capital	25.43B	25.69B	887M	1.03B	1.09B	1.11B	1.88B	1.16B	0	1.16B
Retained Earnings	-4.02B	-12.94B	17.13B	14.31B	13.95B	12.57B	12.97B	10.02B	10.64B	11.43B
Accumulated OCI	36.94B	8.7B	3.45B	3.43B	0	0	0	256M	0	18.66B
Treasury Stock	-107M	-132M	-43M	-21M	-42M	-24M	-371M	-258M	0	-868M
Preferred Stock	3.31B	2.56B	2.56B	496M	0	0	0	500K	0	500K

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	918M	-3.65B	38.74B	-228M	-3.69B	29.09B	53.69B	-43.6B	-223M	1.77B
Operating CF Growth %	104.5%	-497.6%	1161.4%	-100.59%	-1519.74%	887.84%	84.52%	-181.21%	99.49%	894.62%
Net Income	-937M	-4.08B	2.24B	3.36B	4.23B	-351M	4.31B	4.87B	4.64B	6.28B
Depreciation & Amortization	1.18B	778M	808M	718M	1.49B	914M	923M	833M	934M	1.06B
Deferred Taxes	0	0	0	0	0	0	-49M	-60M	0	0
Other Non-Cash Items	-7.91B	-8.76B	-6.45B	-7.7B	1.51B	1.72B	1.9B	-853M	23.77B	1.71B
Working Capital Changes	8.59B	8.41B	42.15B	3.4B	-10.93B	26.82B	46.61B	-48.45B	-29.62B	-7.27B
Cash from Investing+	-4.87B	-4.36B	-6.48B	-7.96B	-716M	7.55B	3.06B	19.06B	-14.69B	-12.7B
Purchase of Investments	-14.13B	-11.61B	-17.21B	-16.18B	-21.34B	-18.82B	-10.15B	-23.51B	-44.91B	-53.96B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	391M	-886M	-199M	-481M	-84M	-70M	-3.49B	5.42B	5.33B	-1.31B
Other Investing	1.43B	447M	405M	264M	1.28B	866M	746M	813M	1.24B	1.41B
Cash from Financing+	-940M	-5.11B	-8.21B	-6.29B	-1.96B	90M	-2.6B	-10.65B	-23.52B	-1.89B
Dividends Paid	-416M	-504M	-612M	-803M	-3.42B	-381M	-1.02B	-3.21B	-1.7B	-1.8B
Share Repurchases	-1.36B	-1.29B	-779M	-2.83B	-21M	-2M	-1.81B	-2.05B	-2.42B	-2.72B
Stock Issued	313M	0	395M	166M	17M	2.22B	937M	0	0	1.39B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	1000K
Other Financing	3.57B	11.73B	183M	1.76B	609M	-1.25B	-971M	-1.08B	-26.81B	-1.34B
Net Change in Cash+	-4.31B	-5.02B	24.04B	-13.79B	-8.35B	38.61B	51.51B	-32.26B	-39.63B	-13.98B
Exchange Rate Effect	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Cash at Beginning	107.9B	103.59B	98.57B	122.61B	108.94B	100.59B	139.2B	190.71B	158.45B	118.82B
Cash at End	103.59B	98.57B	122.61B	108.81B	100.59B	139.2B	190.71B	158.45B	118.82B	104.84B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	135M	-4.56B	37.61B	-847M	-4.25B	28.72B	52.79B	-44.24B	-14.92B	694M
FCF Growth %	100.64%	-3479.26%	924.4%	-102.25%	-402.01%	775.42%	83.8%	-183.8%	66.27%	104.65%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-2.79%	-10.04%	2.99%	4.52%	7.86%	-0.85%	7.63%	9.17%	12.58%	12.54%
Return on Assets (ROA)	-0.17%	-0.64%	0.19%	0.3%	0.5%	-0.05%	0.41%	0.48%	0.66%	0.69%
Net Interest Margin	1.08%	1.09%	1.22%	1.25%	1.08%	0.92%	0.96%	1.37%	1.6%	1.59%
Efficiency Ratio	97.17%	110.27%	70.97%	63.44%	51.41%	86.48%	65.32%	56.26%	53.92%	29.61%
Equity / Assets	6.64%	6.19%	6.65%	6.7%	6.02%	5.48%	5.35%	5.07%	5.37%	5.56%
Book Value / Share	10.07	9.06	8.86	8.3	7.75	7.8	7.72	7.35	8.07	9.25
NII Growth	-5.3%	-0.67%	3.2%	-3.68%	-9.9%	-5.26%	1.98%	30.62%	12.26%	2.05%
Dividend Payout	-	-	41.55%	37.19%	96.75%	-	31.09%	89.3%	36.73%	37.48%

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NatWest Group plc (NWG) 10-Year Financial Performance & Capital Metrics

NWG • • Banking & Credit

Financial ServicesDiversified BanksEuropean universal banks

Net Interest Income $11.28B +2.0%
Total Revenue $28.57B +101.6%
Net Income $4.8B +3.6%
Return on Equity 12.54% -0.3%
Net Interest Margin 1.59% -0.2%
Efficiency Ratio 29.61% -45.1%
ROA 0.69% +4.5%
Equity / Assets 5.56% +3.6%
Book Value per Share 9.25 +14.6%
Tangible BV/Share 7.47 +16.4%
Debt/Equity 1.67 +3.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.6% efficiency ratio
✓Healthy dividend yield of 3.4%
✓Share count reduced 7.6% through buybacks
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak NIM of 1.6%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y4.45%

5Y13.68%

3Y34.47%

TTM-

Profit (Net Income) CAGR

10Y-

5Y6.29%

3Y13.69%

TTM18.09%

EPS CAGR

10Y-

5Y13.61%

3Y25.21%

TTM22.92%

ROCE

10Y Avg0.91%

5Y Avg1.43%

3Y Avg1.96%

Latest2.72%

Peer Comparison

European universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
HSBCHSBC Holdings plc	319.84B	93.16	15.03	10.64%	16.73%	8.9%	19.2%	1.26
SANBanco Santander, S.A.	181.42B	12.36	13.61	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	130.92B	23.13	11.67	16.23%	31.85%	16.84%		2.41
NWGNatWest Group plc	66.16B	16.60	11.64	101.57%	16.81%	12.5%	1.41%	1.67
INGING Groep N.V.	83.27B	28.77	11.51	-65.31%	27.47%	12.42%		3.32
BCSBarclays PLC	83.73B	24.28	11.00	-48.05%	26.74%	9.17%		5.59

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	8.77B	8.71B	8.99B	8.66B	7.8B	7.39B	7.54B	9.84B	11.05B	11.28B
NII Growth %	-5.3%	-0.67%	3.2%	-3.68%	-9.9%	-5.26%	1.98%	30.62%	12.26%	2.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	11.93B	11.26B	11.03B	11.05B	11.13B	9.71B	9.23B	12.64B	21.03B	25.19B
Interest Expense	3.16B	2.55B	2.05B	2.39B	3.33B	2.32B	1.7B	2.79B	9.98B	13.91B
Loan Loss Provision	0	0	0	0	0	0	0	-2.79B	-9.98B	0
Non-Interest Income+	4.16B	3.66B	3.73B	4.68B	3.92B	3.37B	2.51B	343M	-6.86B	3.38B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	16.09B	14.92B	14.76B	15.73B	15.05B	13.08B	11.75B	12.98B	14.17B	28.57B
Revenue Growth %	-12.96%	-7.29%	-1.03%	6.58%	-4.37%	-13.06%	-10.2%	10.5%	9.18%	101.57%
Non-Interest Expense	15.63B	16.45B	10.48B	9.98B	7.74B	11.31B	7.67B	7.3B	7.64B	8.46B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.06B	-3.15B	3.83B	4.04B	3.98B	-553M	4.07B	5.68B	6.53B	6.2B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-73.96%	-397.08%	221.3%	5.64%	-1.48%	-113.88%	836.71%	39.37%	15.01%	-5.13%
Pretax Income+	-2.7B	-4.08B	2.24B	3.36B	3.98B	-553M	3.84B	5.13B	6.18B	6.2B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	23M	1.17B	731M	1.21B	439M	74M	996M	1.27B	1.43B	1.47B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.59B	-5.2B	1.47B	2.16B	3.54B	-372M	3.27B	3.59B	4.64B	4.8B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	42.48%	-226.16%	128.33%	46.57%	63.92%	-110.51%	978.49%	9.82%	29.17%	3.58%
Net Income (Continuing)	-2.73B	-5.25B	1.42B	2.15B	3.54B	-627M	2.85B	3.86B	4.74B	4.73B
EPS (Diluted)+	-0.36	-1.28	0.14	0.28	0.56	-0.17	0.54	0.68	0.98	1.06
EPS Growth %	45.45%	-255.56%	110.94%	100%	100%	-130.36%	417.65%	25.93%	44.12%	8.16%
EPS (Basic)	-0.36	-1.28	0.14	0.28	0.56	-0.17	0.54	0.68	0.98	1.06
Diluted Shares Outstanding	5.37B	5.45B	5.54B	5.6B	5.62B	5.62B	5.41B	4.96B	4.61B	4.26B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	79.4B	75.03B	99.35B	89.38B	145.91B	209.81B	261.23B	145.06B	104.52B	93.05B
Cash & Due from Banks	79.4B	74.25B	98.34B	88.9B	81.04B	124.64B	177.82B	145.06B	104.52B	93.05B
Short Term Investments	0	781M	1.02B	-54.09B	64.87B	85.17B	83.41B	0	0	0
Total Investments+	345.97B	320.21B	216.44B	213.36B	185.28B	222.93B	174.32B	443.38B	421.52B	428.28B
Investments Growth %	-22.41%	-7.45%	-32.4%	-1.42%	-13.16%	20.32%	-21.8%	154.35%	-4.93%	1.6%
Long-Term Investments	345.97B	320.21B	216.44B	267.45B	120.41B	137.76B	90.92B	443.38B	421.52B	428.28B
Accounts Receivables	0	0	378M	317M	275M	216M	248M	327M	292M	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	5.56B	5.56B	5.56B	5.61B	5.61B	5.61B	5.52B	5.52B	5.68B	5.67B
Intangible Assets	979M	922M	985M	1.01B	1.01B	1.05B	1.2B	1.59B	1.93B	1.91B
PP&E (Net)	4.48B	4.59B	4.6B	4.35B	4.93B	4.42B	4.23B	4.24B	4.23B	3.97B
Other Assets	-2.63B	-1.8B	-1.74B	-224.33B	443.5B	439.41B	417.09B	-307.41B	152.26B	173.22B
Total Current Assets	79.73B	75.44B	99.73B	89.7B	146.57B	210.35B	261.84B	145.39B	105.16B	93.05B
Total Non-Current Assets	356.99B	331.28B	227.59B	224.33B	576.47B	589.14B	520.15B	149.5B	587.51B	614.93B
Total Assets+	815.41B	798.66B	738.06B	694.24B	723.04B	799.49B	781.99B	720.05B	692.67B	707.99B
Asset Growth %	-22.4%	-2.05%	-7.59%	-5.94%	4.15%	10.57%	-2.19%	-7.92%	-3.8%	2.21%
Return on Assets (ROA)	-0.17%	-0.64%	0.19%	0.3%	0.5%	-0.05%	0.41%	0.48%	0.66%	0.69%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	51B	46.66B	43.28B	49.91B	56.88B	56.53B	58.33B	39.93B	60.07B	65.92B
Net Debt	-28.41B	-27.59B	-55.06B	-38.99B	-24.17B	-68.11B	-119.49B	-105.13B	-44.44B	-27.13B
Long-Term Debt	0	0	0	0	56.88B	56.53B	58.33B	39.93B	60.07B	65.92B
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	-1.24B	-1.15B	-1.05B	-905M	192.87B	207.21B	152.44B	643.62B	127.79B	125.11B
Total Current Liabilities	369B	334.44B	110.45B	228.54B	429.74B	491.92B	529.41B	187.53B	467.62B	477.58B
Total Non-Current Liabilities	761.26B	749.25B	688.96B	647.75B	249.74B	263.74B	210.78B	683.56B	187.87B	191.03B
Total Liabilities	761.26B	749.25B	688.96B	647.75B	679.48B	755.67B	740.19B	683.56B	655.49B	668.61B
Total Equity+	54.15B	49.4B	49.09B	46.49B	43.56B	43.82B	41.8B	36.5B	37.19B	39.38B
Equity Growth %	-10.04%	-8.76%	-0.63%	-5.3%	-6.31%	0.62%	-4.61%	-12.7%	1.9%	5.89%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-2.79%	-10.04%	2.99%	4.52%	7.86%	-0.85%	7.63%	9.17%	12.58%	12.54%
Book Value per Share	10.07	9.06	8.86	8.30	7.75	7.80	7.72	7.35	8.07	9.25
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	11.63B	11.82B	11.96B	16.11B	12.09B	12.13B	11.47B	10.54B	10.84B	8.97B
Additional Paid-in Capital	25.43B	25.69B	887M	1.03B	1.09B	1.11B	1.88B	1.16B	0	1.16B
Retained Earnings	-4.02B	-12.94B	17.13B	14.31B	13.95B	12.57B	12.97B	10.02B	10.64B	11.43B
Accumulated OCI	36.94B	8.7B	3.45B	3.43B	0	0	0	256M	0	18.66B
Treasury Stock	-107M	-132M	-43M	-21M	-42M	-24M	-371M	-258M	0	-868M
Preferred Stock	3.31B	2.56B	2.56B	496M	0	0	0	500K	0	500K

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	918M	-3.65B	38.74B	-228M	-3.69B	29.09B	53.69B	-43.6B	-223M	1.77B
Operating CF Growth %	104.5%	-497.6%	1161.4%	-100.59%	-1519.74%	887.84%	84.52%	-181.21%	99.49%	894.62%
Net Income	-937M	-4.08B	2.24B	3.36B	4.23B	-351M	4.31B	4.87B	4.64B	6.28B
Depreciation & Amortization	1.18B	778M	808M	718M	1.49B	914M	923M	833M	934M	1.06B
Deferred Taxes	0	0	0	0	0	0	-49M	-60M	0	0
Other Non-Cash Items	-7.91B	-8.76B	-6.45B	-7.7B	1.51B	1.72B	1.9B	-853M	23.77B	1.71B
Working Capital Changes	8.59B	8.41B	42.15B	3.4B	-10.93B	26.82B	46.61B	-48.45B	-29.62B	-7.27B
Cash from Investing+	-4.87B	-4.36B	-6.48B	-7.96B	-716M	7.55B	3.06B	19.06B	-14.69B	-12.7B
Purchase of Investments	-14.13B	-11.61B	-17.21B	-16.18B	-21.34B	-18.82B	-10.15B	-23.51B	-44.91B	-53.96B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	391M	-886M	-199M	-481M	-84M	-70M	-3.49B	5.42B	5.33B	-1.31B
Other Investing	1.43B	447M	405M	264M	1.28B	866M	746M	813M	1.24B	1.41B
Cash from Financing+	-940M	-5.11B	-8.21B	-6.29B	-1.96B	90M	-2.6B	-10.65B	-23.52B	-1.89B
Dividends Paid	-416M	-504M	-612M	-803M	-3.42B	-381M	-1.02B	-3.21B	-1.7B	-1.8B
Share Repurchases	-1.36B	-1.29B	-779M	-2.83B	-21M	-2M	-1.81B	-2.05B	-2.42B	-2.72B
Stock Issued	313M	0	395M	166M	17M	2.22B	937M	0	0	1.39B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	1000K
Other Financing	3.57B	11.73B	183M	1.76B	609M	-1.25B	-971M	-1.08B	-26.81B	-1.34B
Net Change in Cash+	-4.31B	-5.02B	24.04B	-13.79B	-8.35B	38.61B	51.51B	-32.26B	-39.63B	-13.98B
Exchange Rate Effect	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Cash at Beginning	107.9B	103.59B	98.57B	122.61B	108.94B	100.59B	139.2B	190.71B	158.45B	118.82B
Cash at End	103.59B	98.57B	122.61B	108.81B	100.59B	139.2B	190.71B	158.45B	118.82B	104.84B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	135M	-4.56B	37.61B	-847M	-4.25B	28.72B	52.79B	-44.24B	-14.92B	694M
FCF Growth %	100.64%	-3479.26%	924.4%	-102.25%	-402.01%	775.42%	83.8%	-183.8%	66.27%	104.65%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-2.79%	-10.04%	2.99%	4.52%	7.86%	-0.85%	7.63%	9.17%	12.58%	12.54%
Return on Assets (ROA)	-0.17%	-0.64%	0.19%	0.3%	0.5%	-0.05%	0.41%	0.48%	0.66%	0.69%
Net Interest Margin	1.08%	1.09%	1.22%	1.25%	1.08%	0.92%	0.96%	1.37%	1.6%	1.59%
Efficiency Ratio	97.17%	110.27%	70.97%	63.44%	51.41%	86.48%	65.32%	56.26%	53.92%	29.61%
Equity / Assets	6.64%	6.19%	6.65%	6.7%	6.02%	5.48%	5.35%	5.07%	5.37%	5.56%
Book Value / Share	10.07	9.06	8.86	8.3	7.75	7.8	7.72	7.35	8.07	9.25
NII Growth	-5.3%	-0.67%	3.2%	-3.68%	-9.9%	-5.26%	1.98%	30.62%	12.26%	2.05%
Dividend Payout	-	-	41.55%	37.19%	96.75%	-	31.09%	89.3%	36.73%	37.48%

NatWest Group plc (NWG) 10-Year Financial Performance & Capital Metrics

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NatWest Group plc (NWG) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare NWG vs Peers

vs HSBC

vs SAN

Compare Top 5

Profit & Loss

Balance Sheet

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Deep Dive Analysis

Valuation Overview

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Dividend History

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Revenue History

Financial Ratios