FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
Europe - AMS:FLOW - BMG3602E1084 - Common Stock
27.02 EUR
-0.3 (-1.1%)
We assign a fundamental rating of 5 out of 10 to FLOW. FLOW was compared to 110 industry peers in the Capital Markets industry. While FLOW has a great profitability rating, there are quite some 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.
Each year in the past 5 years FLOW has been profitable.
Each year in the past 5 years FLOW had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.66%, FLOW is in line with its industry, outperforming 57.27% of the companies in the same industry.
FLOW has a Return On Equity of 31.91%. This is amongst the best in the industry. FLOW outperforms 93.64% of its industry peers.
The Return On Invested Capital of FLOW (6.62%) is better than 78.18% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FLOW is below the industry average of 8.35%.
The last Return On Invested Capital (6.62%) for FLOW is above the 3 year average (3.99%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.66% | ||
| ROE | 31.91% | ||
| ROIC | 6.62% |
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
Looking at the Profit Margin, with a value of 23.09%, FLOW is in the better half of the industry, outperforming 67.27% of the companies in the same industry.
In the last couple of years the Profit Margin of FLOW has grown nicely.
The Operating Margin of FLOW (30.88%) is better than 74.55% of its industry peers.
In the last couple of years the Operating Margin of FLOW has grown nicely.
The Gross Margin of FLOW (41.25%) is better than 62.73% of its industry peers.
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 | 30.88% | ||
| PM (TTM) | 23.09% | ||
| GM | 41.25% |
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
The number of shares outstanding for FLOW remains at a similar level compared to 1 year ago.
The number of shares outstanding for FLOW has been reduced compared to 5 years ago.
The debt/assets ratio for FLOW has been reduced compared to a year ago.
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.
Looking at the Altman-Z score, with a value of -0.31, FLOW is in line with its industry, outperforming 40.91% of the companies in the same industry.
FLOW has a debt to FCF ratio of 231.72. This is a negative value and a sign of low solvency as FLOW would need 231.72 years to pay back of all of its debts.
With a Debt to FCF ratio value of 231.72, FLOW perfoms like the industry average, outperforming 58.18% of the companies in the same industry.
FLOW has a Debt/Equity ratio of 3.78. This is a high value indicating a heavy dependency on external financing.
FLOW has a worse Debt to Equity ratio (3.78) than 60.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.78 | ||
| Debt/FCF | 231.72 | ||
| Altman-Z | -0.31 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Current ratio (0.49) which is in line with its industry peers.
A Quick Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.49, FLOW is in line with its industry, outperforming 49.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 165.22% over the past year.
FLOW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.64% yearly.
The Revenue has grown by 35.26% in the past year. This is a very strong growth!
FLOW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.83% yearly.
EPS 1Y (TTM)165.22%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%300%
Revenue 1Y (TTM)35.26%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%88.85%
3.2 Future
The Earnings Per Share is expected to decrease by -2.62% on average over the next years.
Based on estimates for the next years, FLOW will show a small growth in Revenue. The Revenue will grow by 3.18% on average per year.
EPS Next Y3.33%
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
EPS Next 5Y-2.62%
Revenue Next Year23.1%
Revenue Next 2Y9.53%
Revenue Next 3Y8.95%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.33, which indicates a rather cheap valuation of FLOW.
93.64% of the companies in the same industry are more expensive than FLOW, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.41, FLOW is valued rather cheaply.
FLOW is valuated cheaply with a Price/Forward Earnings ratio of 7.77.
Based on the Price/Forward Earnings ratio, FLOW is valued cheaper than 96.36% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FLOW to the average of the S&P500 Index (22.87), we can say FLOW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.33 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
93.64% of the companies in the same industry are more expensive than FLOW, based on the Enterprise Value to EBITDA ratio.
FLOW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 92.25 | ||
| EV/EBITDA | 3.49 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
FLOW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.9
PEG (5Y)0.25
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.44%, FLOW is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.15, FLOW pays a better dividend. On top of this FLOW pays more dividend than 90.91% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, FLOW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
5.2 History
The dividend of FLOW decreases each year by -35.52%.
Dividend Growth(5Y)-35.52%
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-1.75%
EPS Next 3Y2.19%
AMS:FLOW (9/23/2025, 11:36:03 AM)
27.02
-0.3 (-1.1%)
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 Cap1.23B
Analysts76
Price Target29.12 (7.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-1.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)20.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.33 | ||
| Fwd PE | 7.77 | ||
| P/S | 1.09 | ||
| P/FCF | 92.25 | ||
| P/OCF | 62.82 | ||
| P/B | 1.5 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 3.49 |
EPS(TTM)4.27
EY15.8%
EPS(NY)3.48
Fwd EY12.86%
FCF(TTM)0.29
FCFY1.08%
OCF(TTM)0.43
OCFY1.59%
SpS24.83
BVpS17.97
TBVpS17.83
PEG (NY)1.9
PEG (5Y)0.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.66% | ||
| ROE | 31.91% | ||
| ROCE | 27.79% | ||
| ROIC | 6.62% | ||
| ROICexc | 6.63% | ||
| ROICexgc | 6.64% | ||
| OM | 30.88% | ||
| PM (TTM) | 23.09% | ||
| GM | 41.25% | ||
| FCFM | 1.18% |
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 Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.78 | ||
| Debt/FCF | 231.72 | ||
| Debt/EBITDA | 8.41 | ||
| Cap/Depr | 34.23% | ||
| Cap/Sales | 0.55% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 5.33% | ||
| Profit Quality | 5.11% | ||
| 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)165.22%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%300%
EPS Next Y3.33%
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)35.26%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%88.85%
Revenue Next Year23.1%
Revenue Next 2Y9.53%
Revenue Next 3Y8.95%
Revenue Next 5Y3.18%
EBIT growth 1Y118.12%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
EBIT Next 5Y4.69%
FCF growth 1Y-87.5%
FCF growth 3Y-52.52%
FCF growth 5Y-17.48%
OCF growth 1Y-83.05%
OCF growth 3Y-49.21%
OCF growth 5Y-16.54%