Natwest Group PLC
LSE:NWG

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Natwest Group PLC Logo
Natwest Group PLC
LSE:NWG
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Price: 391.5 GBX -0.79% Market Closed
Market Cap: 32.5B GBX
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Intrinsic Value

The intrinsic value of one NWG stock under the Base Case scenario is 597.06 GBX. Compared to the current market price of 391.5 GBX, Natwest Group PLC is Undervalued by 34%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

NWG Intrinsic Value
597.06 GBX
Undervaluation 34%
Intrinsic Value
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Valuation Backtest
Natwest Group PLC

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Business Breakdown

NatWest Group PLC stands as one of the premier banking and financial services companies in the United Kingdom, evolved from the historic National Westminster Bank that traces its roots back to the late 1960s. Today, NatWest Group provides an extensive range of financial solutions, from personal and commercial banking to wealth management and insurance. With a robust network of branches and digital platforms, the company serves millions of customers, ensuring accessibility and convenience. Importantly, NatWest has undergone significant transformation in recent years, focusing on sustainability and responsible lending, positioning itself as a leader in the push toward a greener economy—a cruci...

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Financials
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TTM

Balance Sheet Decomposition
Natwest Group PLC

Net Loans 379.8B
Investments 202.1B
Intangibles 7.6B
Other Assets 100.8B
Total Deposits 459.4B
Short Term Debt 43.4B
Long Term Debt 65.2B
Other Liabilities 84.8B
Earnings Calls

In Q3 2024, NatWest Group's income reached GBP 3.8 billion, up 5.1% year-over-year. Operating expenses fell 9% to GBP 1.8 billion, boosting operating profit to GBP 1.7 billion. Customer loans increased to GBP 367 billion, with a notable rise in mortgages. Deposits rose by GBP 2.2 billion to GBP 427 billion, reflecting strong retail savings demand. The bank has upgraded its full-year income guidance to GBP 14.4 billion and expects a return on tangible equity exceeding 15%. Loan impairment rates remain low, projected below 15 basis points, indicating a resilient loan book performance.

What is Earnings Call?

Wall St
Price Targets

NWG Price Targets Summary
Natwest Group PLC

Wall Street analysts forecast NWG stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for NWG is 443.88 GBX with a low forecast of 353.5 GBX and a high forecast of 561.75 GBX.

Lowest
Price Target
353.5 GBX
10% Downside
Average
Price Target
443.88 GBX
13% Upside
Highest
Price Target
561.75 GBX
43% Upside
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Dividends

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Shareholder Yield

Current shareholder yield for NWG is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
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Buyback Yield
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NWG News

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Profile

Natwest Group PLC Logo
Natwest Group PLC

Country

United Kingdom

Industry

Banking

Market Cap

32.5B GBP

Dividend Yield

4.47%

Description

NatWest Group Plc engages in the provision of international banking and financial services. The company is headquartered in Edinburgh, Midlothian and currently employs 57,800 full-time employees. The company offers banking products and financial services to personal, business and commercial customers. Its segments include Retail Banking, Ulster Bank RoI, Commercial Banking, Private Banking, RBS International (RBSI), NatWest Markets (NWM), and Central items & other. Retail Banking segment serves individuals and customers. Ulster Bank RoI segment serves individuals and businesses in the Republic of Ireland (RoI). Commercial Banking segment serves start-up, small and mid-size enterprise (SME), commercial and corporate customers. Private Banking segment serves high net worth individuals and their business interests. RBSI segment serves retail, commercial, and corporate customers in the Channel Islands, Isle of Man and Gibraltar, and financial institution customers in those same locations in addition to the UK and Luxembourg. NWM segment helps corporate and institutional customers manage their financial risks.

Contact

MIDLOTHIAN
EDINBURGH
Gogarburn, PO Box 1000
+441315568555.0
www.natwestgroup.com

IPO

1968-07-10

Employees

57 800

Officers

Group CEO & Executive Director
Mr. John-Paul Thwaite
Group CFO & Executive Director
Ms. Katie Murray CA
Group Chief Operating Officer
Ms. Jennifer Louise Tippin
Chief Accountant
Mr. Richard John Fisher
Group Chief Information Officer
Mr. Scott Marcar
Head of Investor Relations
Mr. Alexander Holcroft
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Principal Economist, Strategy & Corporate Development
Mr. Stephen Blackman
Chief Economist
Mr. Stephen Boyle
Chief Financial Officer of Retail, Wealth & Ulster
Fiona Davis
Chief Investment Officer of Group Pension Fund
Mr. Robert Charles Waugh
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See Also

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What is the Intrinsic Value of one NWG stock?

The intrinsic value of one NWG stock under the Base Case scenario is 597.06 GBX.

Is NWG stock undervalued or overvalued?

Compared to the current market price of 391.5 GBX, Natwest Group PLC is Undervalued by 34%.

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