FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:FLOW - BMG3602E1084 - Common Stock
25.9 EUR
+0.24 (+0.94%)
FLOW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 120 industry peers in the Capital Markets industry. While FLOW has a great profitability rating, there are quite some concerns on its financial health. FLOW may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year FLOW was profitable.
FLOW had a positive operating cash flow in the past year.
Each year in the past 5 years FLOW has been profitable.
In the past 5 years FLOW always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.68%, FLOW is in line with its industry, outperforming 57.50% of the companies in the same industry.
Looking at the Return On Equity, with a value of 32.16%, FLOW belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
FLOW has a Return On Invested Capital of 6.62%. This is in the better half of the industry: FLOW outperforms 75.83% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FLOW is below the industry average of 8.64%.
The last Return On Invested Capital (6.62%) for FLOW is above the 3 year average (3.98%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.68% | ||
| ROE | 32.16% | ||
| ROIC | 6.62% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.86%
ROIC(3y)3.98%
ROIC(5y)7.99%
1.3 Margins
FLOW has a better Profit Margin (23.28%) than 65.83% of its industry peers.
FLOW's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 30.89%, FLOW is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
In the last couple of years the Operating Margin of FLOW has grown nicely.
The Gross Margin of FLOW (41.25%) is better than 61.67% 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 | 30.89% | ||
| PM (TTM) | 23.28% | ||
| GM | 41.25% |
OM growth 3Y-4.34%
OM growth 5Y4.64%
PM growth 3Y-1.94%
PM growth 5Y5.8%
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.
Compared to 5 years ago, FLOW has less shares outstanding
FLOW has a better debt/assets ratio than last year.
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.
The Altman-Z score of FLOW (-0.31) is comparable to the rest of the industry.
FLOW has a debt to FCF ratio of 225.71. This is a negative value and a sign of low solvency as FLOW would need 225.71 years to pay back of all of its debts.
FLOW's Debt to FCF ratio of 225.71 is in line compared to the rest of the industry. FLOW outperforms 57.50% of its industry peers.
A Debt/Equity ratio of 3.77 is on the high side and indicates that FLOW has dependencies on debt financing.
FLOW has a worse Debt to Equity ratio (3.77) than 60.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 225.71 | ||
| 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.
With a Current ratio value of 0.49, FLOW perfoms like the industry average, outperforming 47.50% of the companies in the same industry.
A Quick Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Quick ratio (0.49) which is in line with its industry peers.
| 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 58.19% 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 24.30% 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)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
Revenue 1Y (TTM)24.3%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
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.
The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y-14.41%
EPS Next 2Y-2.39%
EPS Next 3Y2.2%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.06, the valuation of FLOW can be described as very cheap.
91.67% of the companies in the same industry are more expensive than FLOW, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FLOW to the average of the S&P500 Index (27.00), we can say FLOW is valued rather cheaply.
A Price/Forward Earnings ratio of 7.55 indicates a rather cheap valuation of FLOW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 96.67% of the companies listed in the same industry.
FLOW is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.06 | ||
| Fwd PE | 7.55 |
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.
Based on the Price/Free Cash Flow ratio, FLOW is valued a bit cheaper than 60.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 86.15 | ||
| EV/EBITDA | 3.27 |
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)0.28
EPS Next 2Y-2.39%
EPS Next 3Y2.2%
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 3.25, FLOW pays a better dividend. On top of this FLOW pays more dividend than 91.67% of the companies listed in the same industry.
FLOW's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
5.2 History
The dividend of FLOW decreases each year by -35.49%.
Dividend Growth(5Y)-35.49%
Div Incr Years0
Div Non Decr Years0
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-2.39%
EPS Next 3Y2.2%
AMS:FLOW (1/9/2026, 2:38:20 PM)
25.9
+0.24 (+0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners17.4%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.18B
Revenue(TTM)1.10B
Net Income(TTM)264.00M
Analysts78
Price Target29.24 (12.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.44% |
Yearly Dividend0.15
Dividend Growth(5Y)-35.49%
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)-1.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-23.32%
EPS NY rev (1m)-6.5%
EPS NY rev (3m)-17.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-12.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.06 | ||
| Fwd PE | 7.55 | ||
| P/S | 1.04 | ||
| P/FCF | 86.15 | ||
| P/OCF | 59.14 | ||
| P/B | 1.44 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 3.27 |
EPS(TTM)3.67
EY14.17%
EPS(NY)3.43
Fwd EY13.24%
FCF(TTM)0.3
FCFY1.16%
OCF(TTM)0.44
OCFY1.69%
SpS24.83
BVpS17.95
TBVpS17.81
PEG (NY)N/A
PEG (5Y)0.28
Graham Number38.5
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.68% | ||
| ROE | 32.16% | ||
| ROCE | 27.81% | ||
| ROIC | 6.62% | ||
| ROICexc | 6.63% | ||
| ROICexgc | 6.64% | ||
| OM | 30.89% | ||
| PM (TTM) | 23.28% | ||
| GM | 41.25% | ||
| FCFM | 1.21% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.86%
ROIC(3y)3.98%
ROIC(5y)7.99%
ROICexc(3y)3.99%
ROICexc(5y)8.01%
ROICexgc(3y)4%
ROICexgc(5y)8.02%
ROCE(3y)13.79%
ROCE(5y)30.23%
ROICexgc growth 3Y-3.3%
ROICexgc growth 5Y9.98%
ROICexc growth 3Y-3.29%
ROICexc growth 5Y9.99%
OM growth 3Y-4.34%
OM growth 5Y4.64%
PM growth 3Y-1.94%
PM growth 5Y5.8%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
F-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 225.71 | ||
| Debt/EBITDA | 8.4 | ||
| Cap/Depr | 33.45% | ||
| Cap/Sales | 0.55% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 5.42% | ||
| Profit Quality | 5.2% | ||
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 | ||
| Altman-Z | -0.31 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)48.94%
Cap/Depr(5y)47.48%
Cap/Sales(3y)1.34%
Cap/Sales(5y)1.18%
Profit Quality(3y)89.98%
Profit Quality(5y)106.8%
High Growth Momentum
Growth
EPS 1Y (TTM)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
EPS Next Y-14.41%
EPS Next 2Y-2.39%
EPS Next 3Y2.2%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)24.3%
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 1Y118.23%
EBIT growth 3Y8.92%
EBIT growth 5Y23.3%
EBIT Next Year34%
EBIT Next 3Y14.87%
EBIT Next 5Y4.69%
FCF growth 1Y-87.2%
FCF growth 3Y-52.55%
FCF growth 5Y-17.53%
OCF growth 1Y-82.78%
OCF growth 3Y-49.25%
OCF growth 5Y-16.57%
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 -14.41% 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%.