FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis

AMS:FLOW • BMG3602E1084

26.23 EUR
-0.09 (-0.34%)
Last: Feb 18, 2026, 10:26 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FLOW. FLOW was compared to 120 industry peers in the Capital Markets industry. FLOW scores excellent on profitability, but there are concerns on its financial health. FLOW may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • FLOW had positive earnings in the past year.
  • In the past year FLOW had a positive cash flow from operations.
  • Each year in the past 5 years FLOW has been profitable.
  • FLOW had a positive operating cash flow in each of the past 5 years.
FLOW.AS Yearly Net Income VS EBIT VS OCF VS FCFFLOW.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

  • FLOW's Return On Assets of 1.67% is in line compared to the rest of the industry. FLOW outperforms 57.50% of its industry peers.
  • FLOW's Return On Equity of 32.08% is amongst the best of the industry. FLOW outperforms 91.67% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 6.60%, FLOW is in the better half of the industry, outperforming 74.17% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for FLOW is below the industry average of 8.77%.
  • The last Return On Invested Capital (6.60%) for FLOW is above the 3 year average (3.98%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.67%
ROE 32.08%
ROIC 6.6%
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.98%
ROIC(5y)7.98%
FLOW.AS Yearly ROA, ROE, ROICFLOW.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • The Profit Margin of FLOW (23.22%) is better than 65.83% of its industry peers.
  • FLOW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of FLOW (30.82%) is better than 70.00% of its industry peers.
  • FLOW's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 41.25%, FLOW is doing good in the industry, outperforming 62.50% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FLOW has remained more or less at the same level.
Industry RankSector Rank
OM 30.82%
PM (TTM) 23.22%
GM 41.25%
OM growth 3Y-4.39%
OM growth 5Y4.61%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
FLOW.AS Yearly Profit, Operating, Gross MarginsFLOW.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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
  • FLOW has a better debt/assets ratio than last year.
FLOW.AS Yearly Shares OutstandingFLOW.AS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
FLOW.AS Yearly Total Debt VS Total AssetsFLOW.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • FLOW has an Altman-Z score of -0.31. This is a bad value and indicates that FLOW is not financially healthy and even has some risk of bankruptcy.
  • FLOW's Altman-Z score of -0.31 is in line compared to the rest of the industry. FLOW outperforms 40.83% of its industry peers.
  • FLOW has a debt to FCF ratio of 224.94. This is a negative value and a sign of low solvency as FLOW would need 224.94 years to pay back of all of its debts.
  • FLOW's Debt to FCF ratio of 224.94 is in line compared to the rest of the industry. FLOW outperforms 57.50% of its industry peers.
  • A Debt/Equity ratio of 3.78 is on the high side and indicates that FLOW has dependencies on debt financing.
  • The Debt to Equity ratio of FLOW (3.78) is worse than 61.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.78
Debt/FCF 224.94
Altman-Z -0.31
ROIC/WACCN/A
WACCN/A
FLOW.AS Yearly LT Debt VS Equity VS FCFFLOW.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
  • With a Current ratio value of 0.49, FLOW perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
  • FLOW has a Quick 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.
  • With a Quick ratio value of 0.49, FLOW perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.49
Quick Ratio 0.49
FLOW.AS Yearly Current Assets VS Current LiabilitesFLOW.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • Looking at the last year, FLOW shows a very strong growth in Revenue. The Revenue has grown by 24.24%.
  • Measured over the past years, FLOW shows a quite strong growth in Revenue. The Revenue has been growing by 17.83% on average per year.
EPS 1Y (TTM)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
Revenue 1Y (TTM)24.24%
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.
  • The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y-14.4%
EPS Next 2Y-1.91%
EPS Next 3Y2.54%
EPS Next 5Y-2.62%
Revenue Next Year17.1%
Revenue Next 2Y10.02%
Revenue Next 3Y9.74%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FLOW.AS Yearly Revenue VS EstimatesFLOW.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 200M 400M 600M 800M 1B
FLOW.AS Yearly EPS VS EstimatesFLOW.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.15, the valuation of FLOW can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 93.33% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of FLOW to the average of the S&P500 Index (27.16), we can say FLOW is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.57, the valuation of FLOW can be described as very cheap.
  • FLOW's Price/Forward Earnings ratio is rather cheap when compared to the industry. FLOW is cheaper than 96.67% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FLOW to the average of the S&P500 Index (28.10), we can say FLOW is valued rather cheaply.
Industry RankSector Rank
PE 7.15
Fwd PE 7.57
FLOW.AS Price Earnings VS Forward Price EarningsFLOW.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 95.83% of the companies listed in the same industry.
  • FLOW's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 86.94
EV/EBITDA 3.36
FLOW.AS Per share dataFLOW.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The decent profitability rating of FLOW may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-1.91%
EPS Next 3Y2.54%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

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 3.15, FLOW pays a better dividend. On top of this FLOW pays more dividend than 93.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, FLOW pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.44%

5.2 History

  • The dividend of FLOW decreases each year by -35.52%.
Dividend Growth(5Y)-35.52%
Div Incr Years0
Div Non Decr Years0
FLOW.AS Yearly Dividends per shareFLOW.AS Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

5.3 Sustainability

  • The Dividend Rate of FLOW has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2Y-1.91%
EPS Next 3Y2.54%
FLOW.AS Yearly Income VS Free CF VS DividendFLOW.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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FLOW TRADERS LTD

AMS:FLOW (2/18/2026, 10:26:50 AM)

26.23

-0.09 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-12
Earnings (Next)N/A
Inst Owners17.4%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.20B
Revenue(TTM)1.10B
Net Income(TTM)263.34M
Analysts78
Price Target29.75 (13.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.44%
Yearly Dividend0.15
Dividend Growth(5Y)-35.52%
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)1.74%
PT rev (3m)0.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-3.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.98%
Valuation
Industry RankSector Rank
PE 7.15
Fwd PE 7.57
P/S 1.06
P/FCF 86.94
P/OCF 59.75
P/B 1.46
P/tB 1.47
EV/EBITDA 3.36
EPS(TTM)3.67
EY13.99%
EPS(NY)3.46
Fwd EY13.21%
FCF(TTM)0.3
FCFY1.15%
OCF(TTM)0.44
OCFY1.67%
SpS24.83
BVpS17.97
TBVpS17.83
PEG (NY)N/A
PEG (5Y)0.28
Graham Number38.52
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 32.08%
ROCE 27.73%
ROIC 6.6%
ROICexc 6.62%
ROICexgc 6.63%
OM 30.82%
PM (TTM) 23.22%
GM 41.25%
FCFM 1.21%
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.98%
ROIC(5y)7.98%
ROICexc(3y)3.99%
ROICexc(5y)8.01%
ROICexgc(3y)3.99%
ROICexgc(5y)8.01%
ROCE(3y)13.77%
ROCE(5y)30.21%
ROICexgc growth 3Y-3.35%
ROICexgc growth 5Y9.95%
ROICexc growth 3Y-3.34%
ROICexc growth 5Y9.95%
OM growth 3Y-4.39%
OM growth 5Y4.61%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
F-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 3.78
Debt/FCF 224.94
Debt/EBITDA 8.42
Cap/Depr 33.45%
Cap/Sales 0.55%
Interest Coverage 250
Cash Conversion 5.44%
Profit Quality 5.23%
Current Ratio 0.49
Quick Ratio 0.49
Altman-Z -0.31
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)49.72%
Cap/Depr(5y)47.95%
Cap/Sales(3y)1.34%
Cap/Sales(5y)1.18%
Profit Quality(3y)90.14%
Profit Quality(5y)106.89%
High Growth Momentum
Growth
EPS 1Y (TTM)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
EPS Next Y-14.4%
EPS Next 2Y-1.91%
EPS Next 3Y2.54%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)24.24%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
Revenue Next Year17.1%
Revenue Next 2Y10.02%
Revenue Next 3Y9.74%
Revenue Next 5Y3.18%
EBIT growth 1Y117.71%
EBIT growth 3Y8.87%
EBIT growth 5Y23.27%
EBIT Next Year34%
EBIT Next 3Y14.87%
EBIT Next 5Y4.69%
FCF growth 1Y-87.15%
FCF growth 3Y-52.52%
FCF growth 5Y-17.48%
OCF growth 1Y-82.74%
OCF growth 3Y-49.21%
OCF growth 5Y-16.54%

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.


What is the valuation status for FLOW stock?

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 earnings growth outlook for FLOW TRADERS LTD?

The Earnings per Share (EPS) of FLOW TRADERS LTD (FLOW.AS) is expected to decline by -14.4% in the next year.


Is the dividend of FLOW TRADERS LTD sustainable?

The dividend rating of FLOW TRADERS LTD (FLOW.AS) is 6 / 10 and the dividend payout ratio is 0%.