NatWest Group plc Sponsored ADR
NatWest Group plc Sponsored ADR is a U.S.-traded depositary receipt representing shares of NatWest Group plc, a major British banking and financial services company. The asset provides investors with access to a diversified banking franchise centered on retail banking, private banking, commercial banking, and institutional services. Through these businesses, NatWest Group serves individuals, small and medium-sized enterprises, corporates, and larger institutional clients with everyday banking, lending, deposits, wealth-related services, payment solutions, and markets capabilities. The sponsored ADR structure is designed to simplify access for U.S. market participants while reflecting ownership in the underlying overseas shares. NatWest Group is a significant participant in the UK financial sector, with its operations focused on serving customers across personal and business banking needs.
$17.53
+$0.06 (+0.34%)
EOD Oct 16, 2026
35.13% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 16.9% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Net income declined 11% YoY, profitability momentum has weakened.
8.7x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£17.48B
▼ -16.9% YoY
Net Income (TTM)
£6.34B
▼ -11.1% YoY
Net Margin
36.26%
P/E
8.7x
Balance Sheet
Total Assets
£714.55B
Equity
£42.61B
Total Debt
£71.83B
Cash & Equiv.
£85.35B
3Y CAGR: +7.5%
Continue Research
Is NatWest Group plc Sponsored ADR (NWG) overvalued?
At a P/E of 8.7 and a price-to-free-cash-flow of 9.1, NatWest Group plc Sponsored ADR (NWG) trades below a two-stage DCF intrinsic value of about £28.31 per share, so at £17.53 the stock looks undervalued (61.5% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, NatWest Group plc Sponsored ADR scores 77/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.7%; see dividend safety for coverage and history. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is NatWest Group plc Sponsored ADR's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £28.31 per share for NWG, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £21.23. At today's £17.53, that puts the stock about 61.5% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is NatWest Group plc Sponsored ADR a high-quality business?+
NatWest Group plc Sponsored ADR scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Does NatWest Group plc Sponsored ADR (NWG) pay a dividend, and how much?+
Yes, NatWest Group plc Sponsored ADR pays a regular dividend of about £0.88 per share per year (typically in quarterly installments), a yield of roughly 6.7% at the current price. That is a payout ratio of about 55.8% of earnings, so the dividend is well covered. NatWest Group plc Sponsored ADR has grown the dividend at roughly 28.3% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For NWG's full payout history, growth streak and dividend-safety score, see the dividends tab.
Is NatWest Group plc Sponsored ADR a good stock to buy right now?+
That depends on valuation and quality together, not either alone. NWG currently trades below its estimated intrinsic value and scores 77/100 on quality (solid). It also yields about 6.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.