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FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis

AMS:FLOW - Euronext Amsterdam - BMG3602E1084 - Common Stock - Currency: EUR

26.78  +0.06 (+0.22%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FLOW. FLOW was compared to 109 industry peers in the Capital Markets industry. While FLOW has a great profitability rating, there are quite some concerns on its financial health. FLOW is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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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.
FLOW had positive earnings in each of the past 5 years.
Each year in the past 5 years FLOW had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

FLOW has a Return On Assets (1.88%) which is comparable to the rest of the industry.
FLOW's Return On Equity of 31.69% is amongst the best of the industry. FLOW outperforms 96.33% of its industry peers.
FLOW's Return On Invested Capital of 6.94% is fine compared to the rest of the industry. FLOW outperforms 78.90% of its industry peers.
FLOW had an Average Return On Invested Capital over the past 3 years of 3.99%. This is below the industry average of 8.01%.
The 3 year average ROIC (3.99%) for FLOW is below the current ROIC(6.94%), indicating increased profibility in the last year.
Industry RankSector 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%
FLOW.AS Yearly ROA, ROE, ROICFLOW.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

The Profit Margin of FLOW (23.25%) is better than 67.89% of its industry peers.
In the last couple of years the Profit Margin of FLOW has grown nicely.
FLOW's Operating Margin of 28.55% is fine compared to the rest of the industry. FLOW outperforms 69.72% of its industry peers.
In the last couple of years the Operating Margin of FLOW has grown nicely.
FLOW has a better Gross Margin (44.77%) than 65.14% 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 RankSector 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%
FLOW.AS Yearly Profit, Operating, Gross MarginsFLOW.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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3

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.
The debt/assets ratio for FLOW has been reduced compared to a year ago.
FLOW.AS Yearly Shares OutstandingFLOW.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

FLOW has an Altman-Z score of -0.21. 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 -0.21, FLOW is in line with its industry, outperforming 41.28% of the companies in the same 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 has a better Debt to FCF ratio (76.98) than 61.47% of its industry peers.
A Debt/Equity ratio of 2.56 is on the high side and indicates that FLOW has dependencies on debt financing.
With a Debt to Equity ratio value of 2.56, FLOW is not doing good in the industry: 60.55% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.56
Debt/FCF 76.98
Altman-Z -0.21
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

A Current Ratio of 0.53 indicates that FLOW may have some problems paying its short term obligations.
FLOW's Current ratio of 0.53 is in line compared to the rest of the industry. FLOW outperforms 50.46% of its industry peers.
A Quick Ratio of 0.53 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Quick ratio (0.53) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.53
Quick Ratio 0.53
FLOW.AS Yearly Current Assets VS Current LiabilitesFLOW.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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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 176.42%, which is quite impressive.
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 35.65% in the past year. This is a very strong growth!
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)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

Based on estimates for the next years, FLOW will show a decrease in Earnings Per Share. The EPS will decrease by -2.62% on average per year.
Based on estimates for the next years, FLOW will show a small growth in Revenue. The Revenue will grow by 3.33% on average per year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
FLOW.AS Yearly Revenue VS EstimatesFLOW.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 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 7.88, the valuation of FLOW can be described as very cheap.
FLOW's Price/Earnings ratio is rather cheap when compared to the industry. FLOW is cheaper than 91.74% of the companies in the same industry.
When comparing the Price/Earnings ratio of FLOW to the average of the S&P500 Index (28.04), we can say FLOW is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.99, the valuation of FLOW can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 94.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.64. FLOW is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.88
Fwd PE 7.99
FLOW.AS Price Earnings VS Forward Price EarningsFLOW.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 92.66% of the companies listed in the same industry.
66.06% of the companies in the same industry are more expensive than FLOW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 48
EV/EBITDA 4.01
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

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%

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3

5. Dividend

5.1 Amount

FLOW has a Yearly Dividend Yield of 1.68%.
FLOW's Dividend Yield is comparable with the industry average which is at 5.91.
Compared to the average S&P500 Dividend Yield of 2.35, FLOW is paying slightly less dividend.
Industry RankSector 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
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

2.67% of the earnings are spent on dividend by FLOW. This is a low number and 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%
FLOW.AS Yearly Income VS Free CF VS DividendFLOW.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
FLOW.AS Dividend Payout.FLOW.AS Dividend Payout, showing the Payout Ratio.FLOW.AS Dividend Payout.PayoutRetained Earnings

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FLOW TRADERS LTD

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)05-28 2025-05-28/dmh
Earnings (Next)07-31 2025-07-31
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 RankSector 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)24.5%
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)23.54%
Valuation
Industry RankSector 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 RankSector 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 RankSector 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%