FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
AMS:FLOW - Euronext Amsterdam - BMG3602E1084 - Common Stock - Currency: EUR
Taking everything into account, FLOW scores 5 out of 10 in our fundamental rating. FLOW was compared to 110 industry peers in the Capital Markets industry. FLOW scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FLOW.
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.
In the past 5 years FLOW has always been profitable.
FLOW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.88%, FLOW perfoms like the industry average, outperforming 56.76% of the companies in the same industry.
With an excellent Return On Equity value of 31.69%, FLOW belongs to the best of the industry, outperforming 96.40% of the companies in the same industry.
FLOW has a better Return On Invested Capital (6.94%) than 78.38% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FLOW is below the industry average of 8.01%.
The last Return On Invested Capital (6.94%) for FLOW is above the 3 year average (3.99%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 31.69% | ||
| ROIC | 6.94% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.99%
ROIC(5y)7.99%
1.3 Margins
FLOW has a Profit Margin of 23.25%. This is in the better half of the industry: FLOW outperforms 67.57% of its industry peers.
In the last couple of years the Profit Margin of FLOW has grown nicely.
FLOW has a Operating Margin of 28.55%. This is in the better half of the industry: FLOW outperforms 68.47% of its industry peers.
In the last couple of years the Operating Margin of FLOW has grown nicely.
With a decent Gross Margin value of 44.77%, FLOW is doing good in the industry, outperforming 63.96% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.55% | ||
| PM (TTM) | 23.25% | ||
| GM | 44.77% |
OM growth 3Y-4.03%
OM growth 5Y4.85%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
2. Health
2.1 Basic Checks
Compared to 1 year ago, FLOW has about the same amount of shares outstanding.
FLOW has less shares outstanding than it did 5 years ago.
FLOW has a better debt/assets ratio than last year.
2.2 Solvency
FLOW has an Altman-Z score of -0.21. This is a bad value and indicates that FLOW is not financially healthy and even has some risk of bankruptcy.
FLOW has a Altman-Z score (-0.21) which is comparable to the rest of the industry.
FLOW has a debt to FCF ratio of 76.98. This is a negative value and a sign of low solvency as FLOW would need 76.98 years to pay back of all of its debts.
FLOW's Debt to FCF ratio of 76.98 is in line compared to the rest of the industry. FLOW outperforms 58.56% of its industry peers.
FLOW has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of FLOW (2.56) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 76.98 | ||
| Altman-Z | -0.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FLOW has a Current Ratio of 0.53. 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 (0.53) is comparable to the rest of the industry.
FLOW has a Quick Ratio of 0.53. This is a bad value and indicates that FLOW is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.53, FLOW is in line with its industry, outperforming 50.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
FLOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 176.42%, which is quite impressive.
The Earnings Per Share has been growing by 25.64% on average over the past years. This is a very strong growth
Looking at the last year, FLOW shows a very strong growth in Revenue. The Revenue has grown by 35.65%.
The Revenue has been growing by 17.83% on average over the past years. This is quite good.
EPS 1Y (TTM)176.42%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-19.23%
Revenue 1Y (TTM)35.65%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%137.85%
3.2 Future
The Earnings Per Share is expected to decrease by -2.62% on average over the next years.
FLOW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.33% yearly.
EPS Next Y-13.93%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
EPS Next 5Y-2.62%
Revenue Next Year30.05%
Revenue Next 2Y12.91%
Revenue Next 3Y11.07%
Revenue Next 5Y3.33%
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.
4. Valuation
4.1 Price/Earnings Ratio
FLOW is valuated cheaply with a Price/Earnings ratio of 7.88.
91.89% of the companies in the same industry are more expensive than FLOW, based on the Price/Earnings ratio.
FLOW is valuated cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
FLOW is valuated cheaply with a Price/Forward Earnings ratio of 7.99.
94.59% of the companies in the same industry are more expensive than FLOW, based on the Price/Forward Earnings ratio.
FLOW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | 7.99 |
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 92.79% of the companies listed in the same industry.
63.06% of the companies in the same industry are more expensive than FLOW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48 | ||
| EV/EBITDA | 4.01 |
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)0.31
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
5. Dividend
5.1 Amount
FLOW has a Yearly Dividend Yield of 1.68%.
Compared to an average industry Dividend Yield of 5.89, FLOW has a dividend in line with its industry peers.
FLOW's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
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
5.3 Sustainability
FLOW pays out 2.67% of its income as dividend. This is a sustainable payout ratio.
FLOW's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP2.67%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
AMS:FLOW (7/25/2025, 7:00:00 PM)
26.78
+0.06 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.71%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.22B
Analysts76
Price Target29.63 (10.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
Yearly Dividend0.15
Dividend Growth(5Y)-35.52%
DP2.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)114.07%
Min EPS beat(2)104.13%
Max EPS beat(2)124.01%
EPS beat(4)3
Avg EPS beat(4)86.84%
Min EPS beat(4)-39.25%
Max EPS beat(4)158.46%
EPS beat(8)4
Avg EPS beat(8)7.52%
EPS beat(12)7
Avg EPS beat(12)13.73%
EPS beat(16)8
Avg EPS beat(16)8.8%
Revenue beat(2)2
Avg Revenue beat(2)36.18%
Min Revenue beat(2)32.29%
Max Revenue beat(2)40.08%
Revenue beat(4)2
Avg Revenue beat(4)8.17%
Min Revenue beat(4)-31.67%
Max Revenue beat(4)40.08%
Revenue beat(8)2
Avg Revenue beat(8)-2.1%
Revenue beat(12)6
Avg Revenue beat(12)50.96%
Revenue beat(16)9
Avg Revenue beat(16)66.51%
PT rev (1m)0%
PT rev (3m)21.04%
EPS NQ rev (1m)-21.13%
EPS NQ rev (3m)-21.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | 7.99 | ||
| P/S | 1.17 | ||
| P/FCF | 48 | ||
| P/OCF | 38.15 | ||
| P/B | 1.6 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 4.01 |
EPS(TTM)3.4
EY12.7%
EPS(NY)3.35
Fwd EY12.52%
FCF(TTM)0.56
FCFY2.08%
OCF(TTM)0.7
OCFY2.62%
SpS22.88
BVpS16.79
TBVpS16.74
PEG (NY)N/A
PEG (5Y)0.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 31.69% | ||
| ROCE | 18.72% | ||
| ROIC | 6.94% | ||
| ROICexc | 6.96% | ||
| ROICexgc | 6.96% | ||
| OM | 28.55% | ||
| PM (TTM) | 23.25% | ||
| GM | 44.77% | ||
| FCFM | 2.44% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.99%
ROIC(5y)7.99%
ROICexc(3y)4%
ROICexc(5y)8.02%
ROICexgc(3y)4.01%
ROICexgc(5y)8.02%
ROCE(3y)13.82%
ROCE(5y)30.24%
ROICexcg growth 3Y-2.99%
ROICexcg growth 5Y10.2%
ROICexc growth 3Y-2.98%
ROICexc growth 5Y10.2%
OM growth 3Y-4.03%
OM growth 5Y4.85%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 76.98 | ||
| Debt/EBITDA | 6.22 | ||
| Cap/Depr | 38.06% | ||
| Cap/Sales | 0.63% | ||
| Interest Coverage | 334.05 | ||
| Cash Conversion | 10.16% | ||
| Profit Quality | 10.49% | ||
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 | ||
| Altman-Z | -0.21 |
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)176.42%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-19.23%
EPS Next Y-13.93%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)35.65%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%137.85%
Revenue Next Year30.05%
Revenue Next 2Y12.91%
Revenue Next 3Y11.07%
Revenue Next 5Y3.33%
EBIT growth 1Y199.92%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
EBIT Next 5Y4.84%
FCF growth 1Y-62.21%
FCF growth 3Y-52.52%
FCF growth 5Y-17.48%
OCF growth 1Y-59.66%
OCF growth 3Y-49.21%
OCF growth 5Y-16.54%