NatWest Group PLC

NatWest Group PLC

NWG · LSE · Financial Services / Banks - Regional

600.00GBX+2.80 (+0.47%)

Price History

Full chart

Market Stats

Previous Close597.20
Open594.20
Day Range593.40 – 600.00
52-Week Range504.33 – 725.88
Volume16.46M
Market Cap52.57B
P/E (TTM)8.84
Forward P/E8.54
EPS0.75
Dividend Yield5.28%
Beta0.81
50-Day Avg692.83
200-Day Avg633.96

About

NatWest Group plc, together with its subsidiaries, provides banking and financial products and services in the United Kingdom and internationally. It operates through the Retail Banking, Private Banking, and Commercial & Institutional 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. Its Private Banking segment provides banking, lending, and wealth management products for high-net-worth individuals and their business interests. The Commercial & Institutional segment consists of customer businesses under business banking, commercial mid-market, and corporates and institutions; and offers banking operations services in the Channel Islands, Isle of Man, Gibraltar, and Luxembourg, as well as products and solutions for businesses comprising start-ups, corporates, and large institutions. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John-Paul Thwaite
  • Employees59.00K
  • HeadquartersGogarburn, Edinburgh, United Kingdom, EH12 1HQ, UK
  • Websitehttps://www.natwestgroup.com

Leadership

  • Mr. John-Paul ThwaiteGroup CEO & Executive Director · b. 1971
  • Ms. Katie Murray CAGroup CFO & Executive Director · b. 1969
  • Mr. James HolianChief Customer & Operations Officer
  • Mr. Scott MarcarGroup Chief Information Officer
  • Ms. Claire Kane C.F.A.Director of Investor Relations
  • Mr. Will LukerGroup Chief Legal Officer & General Counsel
  • Ms. Margaret JoblingGroup Chief Marketing Officer
  • Mr. Peter John NortonGroup Director of Strategy, Economics & Corporate Development · b. 1982
  • Ms. Maria KokkinouGroup Chief People Officer
  • Mr. Stephen BlackmanPrincipal Economist, Strategy & Corporate Development

Financials

Income Statement

Currency: GBP1986-09-301987-09-301988-09-301989-09-301990-09-301991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue--------------18.93B22.13B22.53B24.98B31.45B37.61B41.80B49.69B45.32B41.72B34.51B31.64B20.88B21.50B18.48B16.09B14.92B14.76B15.73B15.05B13.08B12.04B16.15B24.76B28.57B29.48B
Growth (%)---------------+16.94%+1.78%+10.88%+25.91%+19.58%+11.14%+18.89%-8.80%-7.94%-17.28%-8.31%-34.03%+2.97%-14.01%-12.96%-7.29%-1.03%+6.58%-4.37%-13.06%-7.97%+34.12%+53.35%+15.36%+3.20%
Cost of Revenue--------------7.93B7.58B5.71B5.70B7.56B11.41B14.09B20.18B26.71B12.92B8.57B8.73B6.73B5.47B3.82B3.16B2.55B2.05B2.39B3.33B2.32B1.70B2.79B9.98B13.91B12.87B
Gross Profit--------------10.99B14.56B16.82B19.28B23.89B26.20B27.70B29.51B18.61B28.80B25.94B22.91B14.15B16.02B14.66B12.93B12.37B12.72B13.34B11.72B10.76B10.34B13.35B14.78B14.65B16.61B
Gross Margin--------------58.09%65.78%74.64%77.19%75.96%69.65%66.28%59.39%41.07%69.03%75.17%72.40%67.78%74.55%79.33%80.37%82.90%86.13%84.79%77.88%82.25%85.89%82.69%59.71%51.30%56.34%
Operating Expense--------------8.03B10.31B12.05B13.21B16.61B18.26B18.52B19.68B44.30B31.45B26.10B24.31B20.20B24.87B12.02B15.63B16.45B10.48B9.98B7.74B11.31B6.50B8.22B8.61B8.46B8.90B
Operating Income---228.20M262.20M57.70M11.30M256.00M529.00M600.00M687.00M729.00M981.00M1.22B2.97B4.25B4.76B6.08B7.28B7.94B9.19B9.83B-25.69B-2.65B-154.00M-1.40B-6.05B-8.85B2.64B-2.70B-4.08B2.24B3.36B3.98B-553.00M3.84B5.13B6.18B6.20B7.71B
Operating Margin--------------15.69%19.21%21.14%24.33%23.16%21.10%21.98%19.79%-56.69%-6.34%-0.45%-4.41%-28.99%-41.17%14.30%-16.80%-27.37%15.17%21.35%26.47%-4.23%31.93%31.78%24.95%21.69%26.15%
EBITDA---228.20M315.40M103.20M63.40M314.00M597.00M685.00M782.00M836.00M1.22B1.50B4.23B5.78B6.39B7.76B8.96B9.76B10.86B11.76B-22.54B162.00M2.07B479.00M-4.20B-7.44B3.75B-1.52B-3.16B3.08B4.13B5.20B361.00M4.77B5.96B7.11B7.25B8.86B
EBITDA Margin--------------22.34%26.13%28.36%31.06%28.48%25.95%25.99%23.67%-49.73%0.39%5.99%1.51%-20.11%-34.61%20.30%-9.47%-21.21%20.84%26.23%34.58%2.76%39.60%36.94%28.72%25.39%30.06%
Net Income---228.20M262.20M57.70M25.30M176.00M383.00M398.00M496.00M510.00M695.00M856.00M2.17B2.63B3.07B3.98B5.11B5.50B6.39B7.55B-23.71B-2.57B-1.00B-2.15B-5.75B-8.60B-2.77B-1.59B-5.20B1.38B2.16B3.54B-727.00M3.27B3.59B4.64B4.80B5.83B
Net Income Margin--------------11.46%11.86%13.65%15.93%16.25%14.63%15.30%15.19%-52.32%-6.17%-2.90%-6.80%-27.55%-40.00%-14.99%-9.91%-34.86%9.35%13.72%23.52%-5.56%27.15%22.23%18.72%16.81%19.78%
Interest Expense--------------7.93B7.58B5.71B5.70B7.56B11.41B14.09B20.18B26.71B12.92B8.57B8.73B6.73B5.47B3.82B3.16B2.55B2.05B2.39B3.33B2.32B1.70B2.79B9.98B13.91B12.87B
Interest Expense % of Total Revenue--------------41.91%34.22%25.36%22.81%24.04%30.35%33.72%40.61%58.93%30.97%24.83%27.60%32.22%25.45%20.67%19.63%17.10%13.87%15.21%22.12%17.75%14.11%17.31%40.29%48.70%43.66%

Balance Sheet

Currency: GBP1986-09-301987-09-301988-09-301989-09-301990-09-301991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets16.60B19.12B21.66B27.44B30.10B32.18B34.56B37.44B45.28B51.23B61.12B72.60B79.68B88.85B320.00B368.78B440.89B454.43B588.12B776.83B871.43B1.84T2.22T1.70T1.45T1.51T1.31T1.03T1.05T815.41B798.66B738.06B694.24B723.04B799.49B781.99B720.05B692.67B707.99B714.55B
Total Liabilities--125.00M125.00M125.00M125.00M125.00M1.50B1.66B1.79B2.25B2.55B2.61B3.03B10.44B15.61B412.00B428.54B550.73B739.28B825.94B1.75T2.15T1.60T1.38T1.43T1.24T968.66B990.57B761.26B749.25B688.96B647.75B679.48B755.67B740.19B683.56B655.49B668.61B671.94B
Total Equity957.50M1.05B1.27B1.41B1.51B1.60B1.76B1.88B1.89B2.16B2.51B3.04B2.95B4.20B23.12B27.62B27.05B23.18B33.91B35.44B40.23B53.04B58.88B77.74B75.13B74.82B68.13B58.74B57.25B53.43B48.61B48.33B45.74B43.55B43.86B41.80B36.49B37.16B39.35B38.03B
Cash4.52B5.49B6.77B6.72B7.48B8.08B8.63B3.47B3.63B4.33B7.03B9.54B6.22B8.16B16.90B3.09B3.48B6.32B4.29B4.76B6.12B17.87B11.83B52.26B57.01B79.27B79.29B82.66B74.87B79.40B74.25B98.34B88.90B77.86B124.49B177.76B145.06B104.52B93.05B85.35B
Total Debt--125.00M125.00M125.00M125.00M125.00M1.50B1.66B1.79B2.25B2.55B2.61B3.03B10.44B15.61B18.10B58.10B64.00B118.69B113.62B312.21B312.87B305.22B299.53B188.94B121.36B91.83B73.19B51.00B46.66B43.28B49.91B9.98B103.97B125.60B116.55B127.26B65.92B71.83B
Net Debt-4.52B-5.49B-6.65B-6.60B-7.36B-7.96B-8.51B-1.97B-1.97B-2.54B-4.78B-6.99B-3.61B-5.13B-6.47B12.52B14.62B51.78B59.71B113.94B107.50B294.35B301.04B252.96B242.52B109.67B42.08B9.17B-1.69B-28.41B-27.59B-55.06B-38.99B-67.88B-114.53B-169.33B-28.51B22.74B-27.13B-13.52B

Cash Flow

Currency: GBP1991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow359.00M-131.90M252.00M1.16B2.04B3.04B2.34B1.09B5.00B11.33B7.29B13.74B19.71B2.49B4.51B12.56B29.76B-75.34B-992.00M19.29B1.85B-45.11B-30.63B-20.39B918.00M-3.65B38.74B-228.00M-3.69B29.09B53.69B-43.60B-223.00M1.77B-16.68B
Investing Cash Flow95.50M-95.00M-561.00M-1.11B-1.30B-1.09B-1.43B-2.09B-3.40B-8.90B-15.30B-13.20B-6.96B-9.40B-2.61B6.64B16.33B17.00B54.00M3.35B14.00M27.18B21.18B6.61B-4.87B-4.36B-6.48B-7.96B-716.00M7.55B3.06B19.06B-14.69B-12.70B-15.91B
Financing Cash Flow121.50M187.10M336.00M212.00M271.00M496.00M716.00M370.00M1.02B4.61B4.41B2.71B4.13B8.80B629.00M-107.00M31.21B15.10B18.79B-14.38B-1.74B2.02B-2.73B-404.00M-940.00M-5.11B-8.21B-6.29B-1.96B90.00M-2.60B-10.65B-23.52B-1.89B22.41B
Capital Expenditure73.90M83.60M86.00M137.00M151.00M144.00M169.00M364.00M789.00M1.26B4.25B3.37B5.02B4.58B5.11B4.28B5.08B5.76B4.90B2.11B3.47B1.48B626.00M816.00M783.00M912.00M1.13B619.00M559.00M376.00M901.00M639.00M1.55B1.08B665.00M
Free Cash Flow285.10M-215.50M166.00M1.02B1.89B2.89B2.17B723.00M4.21B10.07B3.04B10.37B14.69B-2.09B-597.00M8.28B24.68B-81.09B-5.89B17.18B-1.62B-46.60B-31.26B-21.20B135.00M-4.56B37.61B-847.00M-4.25B28.72B52.79B-44.24B-14.92B694.00M-17.35B
Dividends Paid-----------729.00M772.00M1.64B2.01B2.73B3.41B3.19B1.25B4.24B40.00M301.00M403.00M383.00M416.00M504.00M612.00M803.00M3.42B381.00M1.02B3.21B1.70B1.80B2.38B
FCF to OCF79.42%163.38%65.87%88.14%92.58%95.26%92.77%66.51%84.21%88.87%41.75%75.49%74.54%-83.83%-13.23%65.92%82.93%107.64%593.75%89.05%-87.47%103.29%102.04%104.00%14.71%124.99%97.08%371.49%115.14%98.71%98.32%101.47%6691.03%39.16%103.99%
Dividend Paid to FCF-----------7.03%5.25%-78.23%-336.18%32.93%13.82%-3.94%-21.19%24.68%-2.47%-0.65%-1.29%-1.81%308.15%-11.05%1.63%-94.81%-80.53%1.33%1.92%-7.25%-11.41%259.37%-13.70%

Earnings

Report DateMay 7, 2010Aug 6, 2010Nov 5, 2010Feb 24, 2011May 6, 2011Aug 5, 2011Nov 4, 2011Feb 23, 2012May 4, 2012Aug 3, 2012Nov 2, 2012Feb 28, 2013May 3, 2013Aug 16, 2013Nov 1, 2013Feb 27, 2014May 2, 2014Aug 1, 2014Oct 31, 2014Feb 26, 2015Apr 30, 2015Jul 30, 2015Oct 30, 2015Feb 26, 2016Apr 29, 2016Aug 5, 2016Oct 28, 2016Feb 24, 2017Apr 28, 2017Aug 4, 2017Oct 27, 2017Feb 23, 2018Apr 27, 2018Aug 3, 2018Oct 26, 2018Feb 15, 2019Apr 26, 2019Aug 2, 2019Oct 24, 2019Feb 14, 2020May 1, 2020Jul 31, 2020Oct 30, 2020Feb 19, 2021Apr 29, 2021Jul 30, 2021Oct 29, 2021Feb 18, 2022Apr 29, 2022Jul 29, 2022Oct 28, 2022Feb 17, 2023Apr 28, 2023Jul 28, 2023Oct 27, 2023Feb 16, 2024Apr 26, 2024Jul 26, 2024Oct 25, 2024Feb 14, 2025Apr 23, 2025Jul 25, 2025Oct 24, 2025Feb 13, 2026May 1, 2026Jul 30, 2026Oct 30, 2026
EPS Estimate-0.040.110.01-0.050.140.05-0.040.050.04-0.084.480.05-30.900.0616.0012.388.089.067.705.9656.0070.006.806.202.815.385.186.094.118.356.917.955.327.006.897.386.371.12-15.002.182.894.847.678.254.906.017.609.549.1011.7811.0010.966.6610.000.1012.280.110.140.140.170.140.150.180.20
EPS Actual-0.020.08-0.12-1.880.150.120.10-34.220.100.050.07-46.530.0618.000.049.000.1017.0016.733.3812.5810.317.285.10-8.142.863.796.857.109.205.903.008.498.459.405.605.506.494.8316.773.43-6.152.60-0.327.0512.679.849.459.8113.0510.9413.9413.7811.4611.3215.1810.7014.4914.590.180.160.160.180.170.180.20-
Surprise50.00%-27.27%-1300.00%-200.00%-14.29%100.00%-150.00%0.00%75.00%--25.00%301.79%-20.00%129.13%66.67%6.25%35.14%-58.17%38.85%33.90%22.15%-90.89%-111.63%-57.94%-38.87%143.77%31.97%77.61%-3.12%-27.01%1.68%22.29%18.24%5.26%-21.43%-5.81%-34.55%163.27%206.25%59.00%19.27%-111.07%45.66%65.19%19.27%92.86%63.23%71.71%14.68%53.19%16.98%4.18%3.28%127.93%7.00%14275.00%18.81%53.26%13.34%14.29%5.88%21.43%20.00%11.11%-
TimingAfter-hoursPre-marketAfter-hours-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-market-Pre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap52.57B
Enterprise Value-38.16B
Trailing P/E8.84
Forward P/E8.54
PEG Ratio1.47
Price / Sales3.13
Price / Book1.26
EPS0.75
Book Value4.87
Revenue (TTM)16.81B
Gross Profit (TTM)16.81B
Profit Margin37.73%
Operating Margin53.05%
Return on Equity14.78%
Return on Assets0.86%
Shares Outstanding7.93B
Shares Float7.92B
Beta0.81
Dividend Yield5.28%
Dividend Rate0.35
Payout Ratio47.95%

Dividends

20262×
0.12Aug 13, 20260.23Mar 19, 2026
20252×
0.10Aug 7, 20250.15Mar 13, 2025
20242×
0.06Aug 8, 20240.12Mar 14, 2024
20232×
0.06Aug 10, 20230.10Mar 16, 2023
20223×
0.17Aug 30, 20220.04Aug 25, 20220.08Mar 17, 2022
20212×
0.03Aug 12, 20210.03Mar 25, 2021
20192×
0.15Aug 15, 20190.12Mar 21, 2019
20181×
0.02Aug 23, 2018
20081×
2.14Mar 5, 2008
20072×
0.93Aug 15, 20072.05Mar 7, 2007
20062×
0.75Aug 16, 20061.64Mar 8, 2006
20052×
0.60Aug 10, 20051.27Mar 9, 2005
20041×
0.52Aug 11, 2004

Stock Splits

  • Aug 30, 202213:14
  • Jun 6, 20121:10
  • May 8, 20073:1
  • Sep 4, 19893:2