Raiffeisen Bank International AG (RBI.VI) stock analysis

In our weekly check, Raiffeisen Bank International AG is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 8, red flags: 5.

About Raiffeisen Bank International AG

Raiffeisen Bank International AG is a Financial Services company (Banks - Regional), listed on VIE as RBI.VI.

What our checks show for RBI.VI

Red flags

• Operating cash flow is only 0.44x net profit: part of the reported profit does not arrive as cash.
• Analysts expect the net margin to shrink by 6.8 points from today's 33.6%.
• Revenue fell 14.8% a year over the last 3 years.
• The stock has fallen as much as 92% from a peak. Would you have held through that?

Warning signs

• Earnings per share fell 13.1% a year over the last 3 years.
• Net profit fell 12.3% a year over the last 3 years.
• Free cash flow covers the dividend only 0.7 times.
• The price swings a lot: 38% annual volatility. Expect large ups and downs.
• The stock is still below its previous peak.
• Beta 1.31: the stock usually moves more than the market, both up and down.
• Thinly traded (about 318 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 6%.

Strengths

• The net margin rose by 13.7 points over 5 years, to 33.6%.
• The gross margin is 118% and has risen by 36.2 points: pricing power is holding.
• The company keeps 33.6% of its revenue as net profit.
• The price is 7.6 times earnings (P/E), reasonable for its growth.
• A large company: market value $19.82 billion.
• Pay in shares is only 0% of free cash flow.

Next earnings report: 2026-11-03

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Questions

What grade does Raiffeisen Bank International AG (RBI.VI) have?

In our weekly check, Raiffeisen Bank International AG is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 8, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of RBI.VI stock?

This week's biggest flags for Raiffeisen Bank International AG: Profits not backed by cash, Margins expected to shrink, Weak revenue growth. In total 13 of 25 checks show a warning or a red flag.

What does Raiffeisen Bank International AG do?

Raiffeisen Bank International AG is a Financial Services company (Banks - Regional), listed on VIE as RBI.VI.

When does Raiffeisen Bank International AG report earnings next?

The next earnings report is expected on 2026-11-03. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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