FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:FLOW - BMG3602E1084 - Common Stock
23.64 EUR
+0.12 (+0.51%)
We assign a fundamental rating of 5 out of 10 to FLOW. FLOW was compared to 121 industry peers in the Capital Markets industry. FLOW scores excellent on profitability, but there are concerns on its financial health. FLOW is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year FLOW was profitable.
In the past year FLOW had a positive cash flow from operations.
FLOW had positive earnings in each of the past 5 years.
FLOW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FLOW has a Return On Assets (1.68%) which is in line with its industry peers.
The Return On Equity of FLOW (32.16%) is better than 92.56% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.62%, FLOW is in the better half of the industry, outperforming 73.55% of the companies in the same industry.
FLOW had an Average Return On Invested Capital over the past 3 years of 3.98%. This is significantly below the industry average of 9.05%.
The last Return On Invested Capital (6.62%) for FLOW is above the 3 year average (3.98%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.68% | ||
| ROE | 32.16% | ||
| ROIC | 6.62% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.86%
ROIC(3y)3.98%
ROIC(5y)7.99%
1.3 Margins
The Profit Margin of FLOW (23.28%) is better than 62.81% of its industry peers.
In the last couple of years the Profit Margin of FLOW has grown nicely.
FLOW's Operating Margin of 30.89% is fine compared to the rest of the industry. FLOW outperforms 70.25% of its industry peers.
In the last couple of years the Operating Margin of FLOW has grown nicely.
FLOW has a Gross Margin (41.25%) which is in line with its industry peers.
FLOW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.89% | ||
| PM (TTM) | 23.28% | ||
| GM | 41.25% |
OM growth 3Y-4.34%
OM growth 5Y4.64%
PM growth 3Y-1.94%
PM growth 5Y5.8%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
2. Health
2.1 Basic Checks
The number of shares outstanding for FLOW remains at a similar level compared to 1 year ago.
Compared to 5 years ago, FLOW has less shares outstanding
The debt/assets ratio for FLOW has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.31, we must say that FLOW is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of FLOW (-0.31) is worse than 61.16% of its industry peers.
FLOW has a debt to FCF ratio of 225.71. This is a negative value and a sign of low solvency as FLOW would need 225.71 years to pay back of all of its debts.
With a Debt to FCF ratio value of 225.71, FLOW perfoms like the industry average, outperforming 55.37% of the companies in the same industry.
FLOW has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.
FLOW has a Debt to Equity ratio of 3.77. This is in the lower half of the industry: FLOW underperforms 66.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 225.71 | ||
| Altman-Z | -0.31 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FLOW has a Current Ratio of 0.49. This is a bad value and indicates that FLOW is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of FLOW (0.49) is comparable to the rest of the industry.
A Quick Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Quick ratio (0.49) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 |
3. Growth
3.1 Past
FLOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.19%, which is quite impressive.
Measured over the past years, FLOW shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.64% on average per year.
The Revenue has grown by 24.30% in the past year. This is a very strong growth!
The Revenue has been growing by 17.83% on average over the past years. This is quite good.
EPS 1Y (TTM)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
Revenue 1Y (TTM)24.3%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
3.2 Future
FLOW is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.62% yearly.
FLOW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.18% yearly.
EPS Next Y-10.86%
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
EPS Next 5Y-2.62%
Revenue Next Year19.47%
Revenue Next 2Y11.07%
Revenue Next 3Y10.18%
Revenue Next 5Y3.18%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 6.44, the valuation of FLOW can be described as very cheap.
93.39% of the companies in the same industry are more expensive than FLOW, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.15. FLOW is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.69 indicates a rather cheap valuation of FLOW.
Based on the Price/Forward Earnings ratio, FLOW is valued cheaper than 97.52% of the companies in the same industry.
FLOW is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.22, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 6.69 |
4.2 Price Multiples
FLOW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FLOW is cheaper than 95.87% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLOW is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 78.63 | ||
| EV/EBITDA | 3.01 |
4.3 Compensation for Growth
FLOW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
5. Dividend
5.1 Amount
FLOW has a Yearly Dividend Yield of 6.44%, which is a nice return.
Compared to an average industry Dividend Yield of 5.55, FLOW pays a better dividend. On top of this FLOW pays more dividend than 91.74% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, FLOW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
5.2 History
The dividend of FLOW decreases each year by -35.49%.
Dividend Growth(5Y)-35.49%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FLOW's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
AMS:FLOW (12/3/2025, 5:29:48 PM)
23.64
+0.12 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners17.69%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.08B
Revenue(TTM)1.10B
Net Income(TTM)264.00M
Analysts78
Price Target29.24 (23.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
Yearly Dividend0.15
Dividend Growth(5Y)-35.49%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.24%
Min EPS beat(2)-1.49%
Max EPS beat(2)19.96%
EPS beat(4)3
Avg EPS beat(4)61.65%
Min EPS beat(4)-1.49%
Max EPS beat(4)124.01%
EPS beat(8)5
Avg EPS beat(8)50.13%
EPS beat(12)7
Avg EPS beat(12)19.58%
EPS beat(16)8
Avg EPS beat(16)6.31%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-1.96%
Max Revenue beat(2)2.43%
Revenue beat(4)3
Avg Revenue beat(4)18.21%
Min Revenue beat(4)-1.96%
Max Revenue beat(4)40.08%
Revenue beat(8)3
Avg Revenue beat(8)2.52%
Revenue beat(12)5
Avg Revenue beat(12)27.57%
Revenue beat(16)8
Avg Revenue beat(16)47.62%
PT rev (1m)-1.23%
PT rev (3m)0.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-23.32%
EPS NY rev (1m)-1.87%
EPS NY rev (3m)-13.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.78%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-2.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 6.69 | ||
| P/S | 0.95 | ||
| P/FCF | 78.63 | ||
| P/OCF | 53.98 | ||
| P/B | 1.32 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 3.01 |
EPS(TTM)3.67
EY15.52%
EPS(NY)3.54
Fwd EY14.96%
FCF(TTM)0.3
FCFY1.27%
OCF(TTM)0.44
OCFY1.85%
SpS24.83
BVpS17.95
TBVpS17.81
PEG (NY)N/A
PEG (5Y)0.25
Graham Number38.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.68% | ||
| ROE | 32.16% | ||
| ROCE | 27.81% | ||
| ROIC | 6.62% | ||
| ROICexc | 6.63% | ||
| ROICexgc | 6.64% | ||
| OM | 30.89% | ||
| PM (TTM) | 23.28% | ||
| GM | 41.25% | ||
| FCFM | 1.21% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.86%
ROIC(3y)3.98%
ROIC(5y)7.99%
ROICexc(3y)3.99%
ROICexc(5y)8.01%
ROICexgc(3y)4%
ROICexgc(5y)8.02%
ROCE(3y)13.79%
ROCE(5y)30.23%
ROICexgc growth 3Y-3.3%
ROICexgc growth 5Y9.98%
ROICexc growth 3Y-3.29%
ROICexc growth 5Y9.99%
OM growth 3Y-4.34%
OM growth 5Y4.64%
PM growth 3Y-1.94%
PM growth 5Y5.8%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
F-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 225.71 | ||
| Debt/EBITDA | 8.4 | ||
| Cap/Depr | 33.45% | ||
| Cap/Sales | 0.55% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 5.42% | ||
| Profit Quality | 5.2% | ||
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 | ||
| Altman-Z | -0.31 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)48.94%
Cap/Depr(5y)47.48%
Cap/Sales(3y)1.34%
Cap/Sales(5y)1.18%
Profit Quality(3y)89.98%
Profit Quality(5y)106.8%
High Growth Momentum
Growth
EPS 1Y (TTM)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
EPS Next Y-10.86%
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)24.3%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
Revenue Next Year19.47%
Revenue Next 2Y11.07%
Revenue Next 3Y10.18%
Revenue Next 5Y3.18%
EBIT growth 1Y118.23%
EBIT growth 3Y8.92%
EBIT growth 5Y23.3%
EBIT Next Year40.69%
EBIT Next 3Y14.34%
EBIT Next 5Y4.69%
FCF growth 1Y-87.2%
FCF growth 3Y-52.55%
FCF growth 5Y-17.53%
OCF growth 1Y-82.78%
OCF growth 3Y-49.25%
OCF growth 5Y-16.57%
FLOW TRADERS LTD / FLOW.AS FAQ
What is the fundamental rating for FLOW stock?
ChartMill assigns a fundamental rating of 5 / 10 to FLOW.AS.
Can you provide the valuation status for FLOW TRADERS LTD?
ChartMill assigns a valuation rating of 7 / 10 to FLOW TRADERS LTD (FLOW.AS). This can be considered as Undervalued.
How profitable is FLOW TRADERS LTD (FLOW.AS) stock?
FLOW TRADERS LTD (FLOW.AS) has a profitability rating of 7 / 10.
What is the valuation of FLOW TRADERS LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FLOW TRADERS LTD (FLOW.AS) is 6.44 and the Price/Book (PB) ratio is 1.32.
What is the earnings growth outlook for FLOW TRADERS LTD?
The Earnings per Share (EPS) of FLOW TRADERS LTD (FLOW.AS) is expected to decline by -10.86% in the next year.