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 114 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.
In the past 5 years FLOW has always been profitable.
Each year in the past 5 years FLOW had a positive operating cash flow.
1.2 Ratios
FLOW has a Return On Assets (1.88%) which is in line with its industry peers.
With an excellent Return On Equity value of 31.69%, FLOW belongs to the best of the industry, outperforming 97.37% of the companies in the same industry.
FLOW has a Return On Invested Capital of 6.94%. This is in the better half of the industry: FLOW outperforms 77.19% 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 3 year average ROIC (3.99%) for FLOW is below the current ROIC(6.94%), indicating increased profibility in the last year.
| 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
With a decent Profit Margin value of 23.25%, FLOW is doing good in the industry, outperforming 70.18% of the companies in the same industry.
FLOW's Profit Margin has improved in the last couple of years.
FLOW has a Operating Margin of 28.55%. This is in the better half of the industry: FLOW outperforms 71.05% 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 64.91% 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
FLOW has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, FLOW has less shares outstanding
FLOW has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.20, we must say that FLOW is in the distress zone and has some risk of bankruptcy.
FLOW has a Altman-Z score (-0.20) 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 has a Debt to FCF ratio of 76.98. This is in the better half of the industry: FLOW outperforms 60.53% 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.
FLOW has a Debt to Equity ratio (2.56) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 76.98 | ||
| Altman-Z | -0.2 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.53 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Current ratio of 0.53. This is comparable to the rest of the industry: FLOW outperforms 52.63% of its industry peers.
A Quick Ratio of 0.53 indicates that FLOW may have some problems paying its short term obligations.
With a Quick ratio value of 0.53, FLOW perfoms like the industry average, outperforming 52.63% 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 344.44%, 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
The Revenue has grown by 38.15% 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)344.44%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%914.29%
Revenue 1Y (TTM)38.15%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%114%
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 3.93% on average over the next years.
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 5Y3.93%
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 8.03, which indicates a very decent valuation of FLOW.
Compared to the rest of the industry, the Price/Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 90.35% of the companies listed in the same industry.
FLOW is valuated cheaply when we compare the Price/Earnings ratio to 26.20, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.33, the valuation of FLOW can be described as reasonable.
87.72% of the companies in the same industry are more expensive than FLOW, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, FLOW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
92.11% of the companies in the same industry are more expensive than FLOW, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLOW indicates a somewhat cheap valuation: FLOW is cheaper than 63.16% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 51.83 | ||
| EV/EBITDA | 4.34 |
4.3 Compensation for Growth
The decent profitability rating of FLOW 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 1.62%.
FLOW's Dividend Yield is comparable with the industry average which is at 5.98.
Compared to the average S&P500 Dividend Yield of 2.40, FLOW is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
5.2 History
The dividend of FLOW decreases each year by -35.52%.
Dividend Growth(5Y)-35.52%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
2.67% of the earnings are spent on dividend by FLOW. This is a low number and sustainable payout ratio.
The Dividend Rate of FLOW has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP2.67%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
AMS:FLOW (5/29/2025, 7:00:00 PM)
28.92
-0.08 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.97%
Inst Owner ChangeN/A
Ins Owners22.77%
Ins Owner ChangeN/A
Market Cap1.32B
Analysts76
Price Target28.8 (-0.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.62% |
Yearly Dividend0.15
Dividend Growth(5Y)-35.52%
DP2.67%
Div Incr Years1
Div Non Decr Years1
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)21%
PT rev (3m)33.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)21.07%
Revenue NQ rev (1m)-4.93%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.69%
Revenue NY rev (3m)29.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.03 | ||
| Fwd PE | 9.33 | ||
| P/S | 1.26 | ||
| P/FCF | 51.83 | ||
| P/OCF | 41.2 | ||
| P/B | 1.72 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | 4.34 |
EPS(TTM)3.6
EY12.45%
EPS(NY)3.1
Fwd EY10.71%
FCF(TTM)0.56
FCFY1.93%
OCF(TTM)0.7
OCFY2.43%
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 | -0.2 |
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)344.44%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%914.29%
EPS Next Y-13.93%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)38.15%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%114%
Revenue Next Year30.05%
Revenue Next 2Y12.91%
Revenue Next 3Y11.07%
Revenue Next 5Y3.93%
EBIT growth 1Y199.92%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
EBIT Next 5Y5.45%
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%