SWISSQUOTE GROUP HOLDING-REG (1SQ.DE) Stock Fundamental Analysis
FRA:1SQ - CH0010675863 - Common Stock
561.5 EUR
+10 (+1.81%)
Overall 1SQ gets a fundamental rating of 5 out of 10. We evaluated 1SQ against 109 industry peers in the Capital Markets industry. While 1SQ belongs to the best of the industry regarding profitability, there are concerns on its financial health. 1SQ is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
1SQ had positive earnings in the past year.
In the past year 1SQ had a positive cash flow from operations.
1SQ had positive earnings in each of the past 5 years.
1SQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 2.14%, 1SQ is doing good in the industry, outperforming 61.47% of the companies in the same industry.
Looking at the Return On Equity, with a value of 25.76%, 1SQ belongs to the top of the industry, outperforming 92.66% of the companies in the same industry.
1SQ has a Return On Invested Capital of 2.43%. This is in the better half of the industry: 1SQ outperforms 61.47% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1SQ is significantly below the industry average of 8.66%.
The 3 year average ROIC (2.41%) for 1SQ is below the current ROIC(2.43%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 25.76% | ||
| ROIC | 2.43% |
ROA(3y)1.98%
ROA(5y)1.86%
ROE(3y)23.81%
ROE(5y)24.7%
ROIC(3y)2.41%
ROIC(5y)2.26%
1.3 Margins
The Profit Margin of 1SQ (39.90%) is better than 83.49% of its industry peers.
In the last couple of years the Profit Margin of 1SQ has grown nicely.
With an excellent Operating Margin value of 51.76%, 1SQ belongs to the best of the industry, outperforming 88.99% of the companies in the same industry.
In the last couple of years the Operating Margin of 1SQ has grown nicely.
1SQ's Gross Margin of 96.45% is amongst the best of the industry. 1SQ outperforms 96.33% of its industry peers.
In the last couple of years the Gross Margin of 1SQ has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 51.76% | ||
| PM (TTM) | 39.9% | ||
| GM | 96.45% |
OM growth 3Y3.15%
OM growth 5Y12.34%
PM growth 3Y3.26%
PM growth 5Y19.58%
GM growth 3Y0.49%
GM growth 5Y0.14%
2. Health
2.1 Basic Checks
Compared to 1 year ago, 1SQ has more shares outstanding
Compared to 5 years ago, 1SQ has more shares outstanding
Compared to 1 year ago, 1SQ has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.09, we must say that 1SQ is in the distress zone and has some risk of bankruptcy.
1SQ has a Altman-Z score (0.09) which is comparable to the rest of the industry.
1SQ has a debt to FCF ratio of 5.71. This is a neutral value as 1SQ would need 5.71 years to pay back of all of its debts.
The Debt to FCF ratio of 1SQ (5.71) is better than 70.64% of its industry peers.
A Debt/Equity ratio of 9.92 is on the high side and indicates that 1SQ has dependencies on debt financing.
1SQ has a worse Debt to Equity ratio (9.92) than 69.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.92 | ||
| Debt/FCF | 5.71 | ||
| Altman-Z | 0.09 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
1SQ has a Current Ratio of 0.48. This is a bad value and indicates that 1SQ is not financially healthy enough and could expect problems in meeting its short term obligations.
1SQ's Current ratio of 0.48 is in line compared to the rest of the industry. 1SQ outperforms 48.62% of its industry peers.
1SQ has a Quick Ratio of 0.48. This is a bad value and indicates that 1SQ is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of 1SQ (0.48) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 |
3. Growth
3.1 Past
1SQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.69%, which is quite good.
Measured over the past years, 1SQ shows a very strong growth in Earnings Per Share. The EPS has been growing by 45.41% on average per year.
Looking at the last year, 1SQ shows a quite strong growth in Revenue. The Revenue has grown by 18.76% in the last year.
The Revenue has been growing by 21.92% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)19.69%
EPS 3Y14.65%
EPS 5Y45.41%
EPS Q2Q%8.79%
Revenue 1Y (TTM)18.76%
Revenue growth 3Y11.43%
Revenue growth 5Y21.92%
Sales Q2Q%1.39%
3.2 Future
1SQ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.30% yearly.
The Revenue is expected to grow by 10.59% on average over the next years. This is quite good.
EPS Next Y4.33%
EPS Next 2Y5.63%
EPS Next 3Y7.55%
EPS Next 5Y11.3%
Revenue Next Year7.35%
Revenue Next 2Y7.43%
Revenue Next 3Y8.4%
Revenue Next 5Y10.59%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 25.89, which means the current valuation is very expensive for 1SQ.
The rest of the industry has a similar Price/Earnings ratio as 1SQ.
When comparing the Price/Earnings ratio of 1SQ to the average of the S&P500 Index (27.02), we can say 1SQ is valued inline with the index average.
Based on the Price/Forward Earnings ratio of 23.49, the valuation of 1SQ can be described as rather expensive.
64.22% of the companies in the same industry are more expensive than 1SQ, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1SQ to the average of the S&P500 Index (22.66), we can say 1SQ is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.89 | ||
| Fwd PE | 23.49 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1SQ is valued cheaper than 95.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of 1SQ may justify a higher PE ratio.
PEG (NY)5.98
PEG (5Y)0.57
EPS Next 2Y5.63%
EPS Next 3Y7.55%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.15%, 1SQ has a reasonable but not impressive dividend return.
1SQ's Dividend Yield is comparable with the industry average which is at 6.20.
With a Dividend Yield of 1.15, 1SQ pays less dividend than the S&P500 average, which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
5.2 History
The dividend of 1SQ is nicely growing with an annual growth rate of 33.97%!
Dividend Growth(5Y)33.97%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
29.06% of the earnings are spent on dividend by 1SQ. This is a low number and sustainable payout ratio.
1SQ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.06%
EPS Next 2Y5.63%
EPS Next 3Y7.55%
FRA:1SQ (9/8/2025, 7:00:00 PM)
561.5
+10 (+1.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners28.93%
Inst Owner ChangeN/A
Ins Owners22.57%
Ins Owner ChangeN/A
Market Cap8.61B
Analysts69.23
Price Target526.4 (-6.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
Yearly Dividend4.59
Dividend Growth(5Y)33.97%
DP29.06%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)33.58%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.41%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.92%
Revenue NY rev (3m)2.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.89 | ||
| Fwd PE | 23.49 | ||
| P/S | 10.48 | ||
| P/FCF | 3.77 | ||
| P/OCF | 3.66 | ||
| P/B | 6.76 | ||
| P/tB | 7.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)21.69
EY3.86%
EPS(NY)23.9
Fwd EY4.26%
FCF(TTM)148.88
FCFY26.52%
OCF(TTM)153.59
OCFY27.35%
SpS53.59
BVpS83.02
TBVpS71.36
PEG (NY)5.98
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 25.76% | ||
| ROCE | 18.92% | ||
| ROIC | 2.43% | ||
| ROICexc | 4.19% | ||
| ROICexgc | 4.66% | ||
| OM | 51.76% | ||
| PM (TTM) | 39.9% | ||
| GM | 96.45% | ||
| FCFM | 277.82% |
ROA(3y)1.98%
ROA(5y)1.86%
ROE(3y)23.81%
ROE(5y)24.7%
ROIC(3y)2.41%
ROIC(5y)2.26%
ROICexc(3y)4.73%
ROICexc(5y)5%
ROICexgc(3y)5.15%
ROICexgc(5y)5.44%
ROCE(3y)23.97%
ROCE(5y)26.79%
ROICexcg growth 3Y-10.47%
ROICexcg growth 5Y20.43%
ROICexc growth 3Y-11.38%
ROICexc growth 5Y19.54%
OM growth 3Y3.15%
OM growth 5Y12.34%
PM growth 3Y3.26%
PM growth 5Y19.58%
GM growth 3Y0.49%
GM growth 5Y0.14%
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.92 | ||
| Debt/FCF | 5.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 8.78% | ||
| Interest Coverage | -9.38 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 696.25% | ||
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 | ||
| Altman-Z | 0.09 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.35%
Cap/Sales(5y)8.27%
Profit Quality(3y)352.5%
Profit Quality(5y)510.95%
High Growth Momentum
Growth
EPS 1Y (TTM)19.69%
EPS 3Y14.65%
EPS 5Y45.41%
EPS Q2Q%8.79%
EPS Next Y4.33%
EPS Next 2Y5.63%
EPS Next 3Y7.55%
EPS Next 5Y11.3%
Revenue 1Y (TTM)18.76%
Revenue growth 3Y11.43%
Revenue growth 5Y21.92%
Sales Q2Q%1.39%
Revenue Next Year7.35%
Revenue Next 2Y7.43%
Revenue Next 3Y8.4%
Revenue Next 5Y10.59%
EBIT growth 1Y15.27%
EBIT growth 3Y14.93%
EBIT growth 5Y36.97%
EBIT Next Year-4.28%
EBIT Next 3Y6.7%
EBIT Next 5Y6.82%
FCF growth 1Y557.59%
FCF growth 3Y9.05%
FCF growth 5Y43.5%
OCF growth 1Y476.52%
OCF growth 3Y9.41%
OCF growth 5Y42.07%