BANQUP GROUP (BANQ.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:BANQ - BE0974371032 - Common Stock
3.2 EUR
-0.05 (-1.54%)
We assign a fundamental rating of 3 out of 10 to BANQ. BANQ was compared to 116 industry peers in the Software industry. Both the profitability and financial health of BANQ have multiple concerns. BANQ has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BANQ had positive earnings in the past year.
In the past year BANQ has reported a negative cash flow from operations.
In the past 5 years BANQ reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: BANQ reported negative operating cash flow in multiple years.
1.2 Ratios
BANQ's Return On Assets of 24.31% is amongst the best of the industry. BANQ outperforms 95.69% of its industry peers.
Looking at the Return On Equity, with a value of 56.00%, BANQ belongs to the top of the industry, outperforming 94.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 24.31% | ||
| ROE | 56% | ||
| ROIC | N/A |
ROA(3y)-7.01%
ROA(5y)-8.63%
ROE(3y)-30.53%
ROE(5y)-25.03%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 109.64%, BANQ belongs to the top of the industry, outperforming 99.14% of the companies in the same industry.
BANQ's Gross Margin of 40.46% is on the low side compared to the rest of the industry. BANQ is outperformed by 77.59% of its industry peers.
BANQ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 109.64% | ||
| GM | 40.46% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
2. Health
2.1 Basic Checks
BANQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
BANQ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BANQ has been increased compared to 5 years ago.
The debt/assets ratio for BANQ has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.71, we must say that BANQ is in the distress zone and has some risk of bankruptcy.
BANQ's Altman-Z score of -0.71 is on the low side compared to the rest of the industry. BANQ is outperformed by 84.48% of its industry peers.
BANQ has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
BANQ's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. BANQ outperforms 50.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.71 |
ROIC/WACCN/A
WACC14.71%
2.3 Liquidity
BANQ has a Current Ratio of 0.98. This is a bad value and indicates that BANQ is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.98, BANQ is doing worse than 75.00% of the companies in the same industry.
BANQ has a Quick Ratio of 0.98. This is a bad value and indicates that BANQ is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of BANQ (0.97) is worse than 74.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.97 |
3. Growth
3.1 Past
BANQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 184.85%, which is quite impressive.
The Revenue for BANQ has decreased by -19.06% in the past year. This is quite bad
Measured over the past years, BANQ shows a quite strong growth in Revenue. The Revenue has been growing by 12.22% on average per year.
EPS 1Y (TTM)184.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.37%
Revenue 1Y (TTM)-19.06%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-11.36%
3.2 Future
Based on estimates for the next years, BANQ will show a very strong growth in Earnings Per Share. The EPS will grow by 26.80% on average per year.
Based on estimates for the next years, BANQ will show a small growth in Revenue. The Revenue will grow by 0.43% on average per year.
EPS Next Y2.37%
EPS Next 2Y33.44%
EPS Next 3Y26.8%
EPS Next 5YN/A
Revenue Next Year-24.18%
Revenue Next 2Y-7.15%
Revenue Next 3Y-1.18%
Revenue Next 5Y0.43%
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.63, the valuation of BANQ can be described as very cheap.
Based on the Price/Earnings ratio, BANQ is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.31. BANQ is valued rather cheaply when compared to this.
BANQ is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BANQ's earnings are expected to grow with 26.80% in the coming years.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y33.44%
EPS Next 3Y26.8%
5. Dividend
5.1 Amount
BANQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EBR:BANQ (11/28/2025, 7:00:00 PM)
3.2
-0.05 (-1.54%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners1.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap118.85M
Revenue(TTM)63.85M
Net Income(TTM)70.00M
Analysts77.78
Price Target4.12 (28.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)-13.43%
PT rev (3m)-15.25%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-17.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-17.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | N/A | ||
| P/S | 1.86 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)1.96
EY61.25%
EPS(NY)-0.17
Fwd EYN/A
FCF(TTM)-0.65
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS1.72
BVpS3.37
TBVpS-0.67
PEG (NY)0.69
PEG (5Y)N/A
Graham Number12.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 24.31% | ||
| ROE | 56% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 109.64% | ||
| GM | 40.46% | ||
| FCFM | N/A |
ROA(3y)-7.01%
ROA(5y)-8.63%
ROE(3y)-30.53%
ROE(5y)-25.03%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
F-Score4
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 70.95% | ||
| Cap/Sales | 25.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.97 | ||
| Altman-Z | -0.71 |
F-Score4
WACC14.71%
ROIC/WACCN/A
Cap/Depr(3y)75.59%
Cap/Depr(5y)83.19%
Cap/Sales(3y)16.59%
Cap/Sales(5y)16.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)184.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.37%
EPS Next Y2.37%
EPS Next 2Y33.44%
EPS Next 3Y26.8%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.06%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-11.36%
Revenue Next Year-24.18%
Revenue Next 2Y-7.15%
Revenue Next 3Y-1.18%
Revenue Next 5Y0.43%
EBIT growth 1Y-12.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year70.14%
EBIT Next 3Y38.8%
EBIT Next 5Y25.78%
FCF growth 1Y-11.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2500.61%
OCF growth 3Y-4.85%
OCF growth 5YN/A
BANQUP GROUP / BANQ.BR FAQ
What is the ChartMill fundamental rating of BANQUP GROUP (BANQ.BR) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BANQ.BR.
What is the valuation status of BANQUP GROUP (BANQ.BR) stock?
ChartMill assigns a valuation rating of 4 / 10 to BANQUP GROUP (BANQ.BR). This can be considered as Fairly Valued.
What is the profitability of BANQ stock?
BANQUP GROUP (BANQ.BR) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANQUP GROUP (BANQ.BR) stock?
The Price/Earnings (PE) ratio for BANQUP GROUP (BANQ.BR) is 1.63 and the Price/Book (PB) ratio is 0.95.
How financially healthy is BANQUP GROUP?
The financial health rating of BANQUP GROUP (BANQ.BR) is 1 / 10.