SWISSQUOTE GROUP HOLDING-REG (1SQ.DE) Stock Fundamental Analysis
Europe - FRA:1SQ - CH0010675863 - Common Stock
530.5 EUR
+10.5 (+2.02%)
1SQ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 113 industry peers in the Capital Markets industry. While 1SQ has a great profitability rating, there are quite some 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.
In the past 5 years 1SQ has always been profitable.
1SQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of 1SQ (2.14%) is better than 60.18% of its industry peers.
1SQ has a Return On Equity of 25.76%. This is amongst the best in the industry. 1SQ outperforms 92.04% of its industry peers.
With a Return On Invested Capital value of 2.43%, 1SQ perfoms like the industry average, outperforming 57.52% of the companies in the same industry.
1SQ had an Average Return On Invested Capital over the past 3 years of 2.41%. This is significantly below the industry average of 8.16%.
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
1SQ has a better Profit Margin (39.90%) than 84.96% of its industry peers.
In the last couple of years the Profit Margin of 1SQ has grown nicely.
1SQ has a Operating Margin of 51.76%. This is amongst the best in the industry. 1SQ outperforms 87.61% of its industry peers.
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 96.46% of its industry peers.
1SQ's Gross Margin has been stable in the last couple of years.
| 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
1SQ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for 1SQ has been increased compared to 5 years ago.
Compared to 1 year ago, 1SQ has an improved debt to assets ratio.
2.2 Solvency
1SQ has an Altman-Z score of 0.07. This is a bad value and indicates that 1SQ is not financially healthy and even has some risk of bankruptcy.
1SQ has a Altman-Z score (0.07) 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.
1SQ's Debt to FCF ratio of 5.71 is fine compared to the rest of the industry. 1SQ outperforms 64.60% 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.
The Debt to Equity ratio of 1SQ (9.92) is worse than 73.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 9.92 | ||
| Debt/FCF | 5.71 | ||
| Altman-Z | 0.07 |
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.
Looking at the Current ratio, with a value of 0.48, 1SQ is in line with its industry, outperforming 43.36% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 0.48, 1SQ is in line with its industry, outperforming 45.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.48 | ||
| Quick Ratio | 0.48 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.69% over the past year.
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.
1SQ shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.76%.
1SQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.92% yearly.
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 11.19% yearly.
The Revenue is expected to grow by 11.11% on average over the next years. This is quite good.
EPS Next Y5.42%
EPS Next 2Y5.8%
EPS Next 3Y7.79%
EPS Next 5Y11.19%
Revenue Next Year8.59%
Revenue Next 2Y7.47%
Revenue Next 3Y8.27%
Revenue Next 5Y11.11%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 24.06, which indicates a rather expensive current valuation of 1SQ.
1SQ's Price/Earnings ratio is in line with the industry average.
1SQ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.77.
The Price/Forward Earnings ratio is 21.76, which indicates a rather expensive current valuation of 1SQ.
61.95% of the companies in the same industry are more expensive than 1SQ, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.23. 1SQ is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.06 | ||
| Fwd PE | 21.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1SQ is valued cheaply inside the industry as 94.69% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1SQ does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of 1SQ may justify a higher PE ratio.
PEG (NY)4.44
PEG (5Y)0.53
EPS Next 2Y5.8%
EPS Next 3Y7.79%
5. Dividend
5.1 Amount
1SQ has a Yearly Dividend Yield of 1.23%. Purely for dividend investing, there may be better candidates out there.
1SQ's Dividend Yield is comparable with the industry average which is at 5.63.
With a Dividend Yield of 1.23, 1SQ pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
5.2 History
On average, the dividend of 1SQ grows each year by 33.97%, which is quite nice.
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.
The dividend of 1SQ is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.06%
EPS Next 2Y5.8%
EPS Next 3Y7.79%
FRA:1SQ (10/20/2025, 7:00:00 PM)
530.5
+10.5 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners29.89%
Inst Owner ChangeN/A
Ins Owners22.57%
Ins Owner ChangeN/A
Market Cap8.13B
Analysts69.23
Price Target526.4 (-0.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.23% |
Yearly Dividend4.66
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)0%
PT rev (3m)33.37%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.05%
EPS NY rev (3m)1.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.24%
Revenue NY rev (3m)3.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.06 | ||
| Fwd PE | 21.76 | ||
| P/S | 9.74 | ||
| P/FCF | 3.51 | ||
| P/OCF | 3.4 | ||
| P/B | 6.29 | ||
| P/tB | 7.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)22.05
EY4.16%
EPS(NY)24.38
Fwd EY4.59%
FCF(TTM)151.32
FCFY28.52%
OCF(TTM)156.1
OCFY29.43%
SpS54.47
BVpS84.37
TBVpS72.53
PEG (NY)4.44
PEG (5Y)0.53
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 | 0.07 |
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 Y5.42%
EPS Next 2Y5.8%
EPS Next 3Y7.79%
EPS Next 5Y11.19%
Revenue 1Y (TTM)18.76%
Revenue growth 3Y11.43%
Revenue growth 5Y21.92%
Sales Q2Q%1.39%
Revenue Next Year8.59%
Revenue Next 2Y7.47%
Revenue Next 3Y8.27%
Revenue Next 5Y11.11%
EBIT growth 1Y15.27%
EBIT growth 3Y14.93%
EBIT growth 5Y36.97%
EBIT Next Year-1.15%
EBIT Next 3Y5.05%
EBIT Next 5Y6.69%
FCF growth 1Y557.59%
FCF growth 3Y9.05%
FCF growth 5Y43.5%
OCF growth 1Y476.52%
OCF growth 3Y9.41%
OCF growth 5Y42.07%