FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
AMS:FLOW - Euronext Amsterdam - BMG3602E1084 - Common Stock - Currency: EUR
Overall FLOW gets a fundamental rating of 5 out of 10. We evaluated FLOW against 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.
FLOW had positive earnings in each of the past 5 years.
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 57.27% of the companies in the same industry.
The Return On Equity of FLOW (31.69%) is better than 97.27% of its industry peers.
The Return On Invested Capital of FLOW (6.94%) is better than 77.27% 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 7.99%.
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
With a decent Profit Margin value of 23.25%, FLOW is doing good in the industry, outperforming 70.00% of the companies in the same industry.
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 70.91% of its industry peers.
In the last couple of years the Operating Margin of FLOW has grown nicely.
FLOW's Gross Margin of 44.77% is fine compared to the rest of the industry. FLOW outperforms 64.55% of its industry peers.
FLOW's Gross Margin has been stable in the last couple of years.
| 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.
The debt/assets ratio for FLOW has been reduced compared to a year ago.
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.
The Altman-Z score of FLOW (-0.20) is comparable to the rest of the industry.
The Debt to FCF ratio of FLOW is 76.98, which is on the high side as it means it would take FLOW, 76.98 years of fcf income to pay off all of its debts.
FLOW has a better Debt to FCF ratio (76.98) than 63.64% 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 worse Debt to Equity ratio (2.56) than 61.82% of 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
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.
FLOW has a Current ratio (0.53) which is in line with its industry peers.
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.
FLOW has a Quick ratio of 0.53. This is comparable to the rest of the industry: FLOW outperforms 49.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 344.44% over the past year.
The Earnings Per Share has been growing by 25.64% on average over the past years. This is a very strong growth
FLOW shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.15%.
The Revenue has been growing by 17.83% on average over the past years. This is quite good.
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.
Based on estimates for the next years, FLOW will show a small growth in Revenue. The Revenue will grow by 3.70% 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 5Y3.7%
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
FLOW is valuated reasonably with a Price/Earnings ratio of 8.16.
Compared to the rest of the industry, the Price/Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 88.18% of the companies listed in the same industry.
FLOW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
Based on the Price/Forward Earnings ratio of 9.48, the valuation of FLOW can be described as reasonable.
Based on the Price/Forward Earnings ratio, FLOW is valued cheaply inside the industry as 84.55% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FLOW to the average of the S&P500 Index (22.19), we can say FLOW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.16 | ||
| Fwd PE | 9.48 |
4.2 Price Multiples
FLOW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FLOW is cheaper than 91.82% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FLOW is valued a bit cheaper than 65.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 52.66 | ||
| EV/EBITDA | 4.41 |
4.3 Compensation for Growth
The decent profitability rating of FLOW may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
5. Dividend
5.1 Amount
FLOW has a Yearly Dividend Yield of 1.55%.
FLOW's Dividend Yield is comparable with the industry average which is at 4.96.
Compared to the average S&P500 Dividend Yield of 2.40, FLOW is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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
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 (6/19/2025, 7:00:00 PM)
29.38
-0.14 (-0.47%)
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 Cap1.34B
Analysts76
Price Target29.63 (0.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)2.89%
PT rev (3m)24.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)75.79%
EPS NY rev (1m)0%
EPS NY rev (3m)21.07%
Revenue NQ rev (1m)-4.93%
Revenue NQ rev (3m)28.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)23.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.16 | ||
| Fwd PE | 9.48 | ||
| P/S | 1.28 | ||
| P/FCF | 52.66 | ||
| P/OCF | 41.85 | ||
| P/B | 1.75 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | 4.41 |
EPS(TTM)3.6
EY12.25%
EPS(NY)3.1
Fwd EY10.55%
FCF(TTM)0.56
FCFY1.9%
OCF(TTM)0.7
OCFY2.39%
SpS22.88
BVpS16.79
TBVpS16.74
PEG (NY)N/A
PEG (5Y)0.32
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 5Y3.7%
EBIT growth 1Y199.92%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
EBIT Next 5Y5.21%
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%