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NWG
NatWest Group plc
$18.67
-0.27
(-1.43%)
| Exchange: | NYSE |
| Market Cap: | 37.167B |
| Shares Outstanding: | 11B |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | John Paul Thwaite | |||||
| Full Time Employees: | 59000 | |||||
| Address: |
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| Website: | https://www.natwestgroup.com |
NatWest Group plc is a leading financial institution that delivers a broad spectrum of banking and financial services to individual customers, businesses, corporations, and institutional clients across the United Kingdom and globally. The company’s operations are divided into several key divisions: Retail Banking addresses consumer needs by providing essential banking products like current accounts, home mortgages, unsecured personal loans, and savings options, alongside extensive mobile and online banking capabilities. Commercial Banking offers bespoke banking and financing solutions, supporting entities ranging from new start-ups and small-to-medium-sized enterprises (SMEs) to larger commercial and corporate organizations. Private Banking specializes in offering exclusive private banking and wealth management services for affluent individuals and their business ventures. RBS International focuses on providing various banking products and services specifically for institutional customers, in addition to managing wholesale branches and fund depositary services. NatWest Markets assists corporate and institutional clients in the strategic management of financial risks, guiding them towards achieving their immediate and long-term financial aspirations. The company boasts a significant physical footprint, with approximately 800 branches and an additional 16,000 points of presence. Established in 1727, NatWest Group plc, which was formerly known as The Royal Bank of Scotland Group plc until its name change in July 2020, is headquartered in Edinburgh, United Kingdom.
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Revenue Segmentation
NWG full analysis
Welcome to MARKETSNAP’s SWOT analysis for NatWest Group, a major player in the financial sector that many of you are likely already tracking. If you’re not familiar, NatWest Group, listed under the ticker NWG, is a leading banking and financial services provider based in the UK, operating in both retail and commercial banking spaces. With a massive workforce and a strong foothold in the industry, they’ve been navigating some interesting waters lately, and today we’re diving deep into what makes…
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 24,761,000 | 28,565,000 | 29,478,000 |
| Gross Profit | 14,784,000 | 14,653,000 | 16,609,000 |
| EBITDA | 7,112,000 | 7,253,000 | 8,862,000 |
| Operating Income | 6,178,000 | 6,195,000 | 7,708,000 |
| Net Income | 4,636,000 | 4,802,000 | 5,831,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 692,673,000 | 707,985,000 | 714,553,000 |
| Total Liabilities | 655,485,000 | 668,607,000 | 671,940,000 |
| Total Stockholders Equity | 37,157,000 | 39,350,000 | 42,599,000 |
| Total Debt | 38,155,000 | 65,922,000 | 49,458,000 |
| Cash and Cash Equivalents | 104,517,000 | 93,053,000 | 92,686,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | -13,366,000 | 1,772,000 | -12,416,000 |
| Capital Expenditure | -1,555,000 | -1,078,000 | -665,000 |
| Free Cash Flow | -14,921,000 | 694,000 | -13,081,000 |
| Net Income | 4,636,000 | 6,276,000 | 5,831,000 |
| Net Change in Cash | -39,625,000 | -13,979,000 | -9,412,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 29,055,440.536 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 29,794,569.371 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 29,364,252.950 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 8,856,506.376 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 9,105,756.437 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 8,960,638.926 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 5,757,149.112 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 5,948,150.742 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 5,836,946.432 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 2,227,221.456 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 2,283,878.783 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 2,250,893.224 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.870 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.930 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.830 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 5 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Revenue Performance: NWG has demonstrated consistent revenue generation as per the latest income statements, reflecting a stable core business operation within the banking sector. This is supported by diversified revenue streams across product and geographic segments.
- Strong Liquidity Position: The balance sheet data indicates a robust level of cash and cash equivalents, alongside a favorable current ratio (as per key metrics TTM), ensuring NWG can meet short-term obligations effectively.
- Positive Return Metrics: Key metrics such as ROE (Return on Equity) and ROIC (Return on Invested Capital) TTM show efficient use of equity and capital, positioning NWG as a competitive player within its industry.
- Dividend Yield: A competitive dividend yield (TTM) as per key metrics provides an attractive return to shareholders, reinforcing investor confidence in NWG’s financial health.
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At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about NWG valuation
Is NatWest Group plc (NWG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for NatWest Group plc (NWG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NWG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NWG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NWG’s P/E ratio?
You can see NWG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NWG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NWG a good long-term investment?
Whether NWG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NWG
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Daily snapshot
-1.43
Trading Metrics:
| Open: | 18.7 | Previous Close: | 18.94 | |
| Day Low: | 18.59 | Day High: | 18.77 | |
| Year Low: | 13.56 | Year High: | 19.42 | |
| Price Avg 50: | 18.51 | Price Avg 200: | 17 | |
| Volume: | 2.518M | Average Volume: | 4.006M |
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