FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
Europe - AMS:FLOW - BMG3602E1084 - Common Stock
23.62 EUR
-0.06 (-0.25%)
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. FLOW scores excellent on profitability, but there are concerns on its financial health. FLOW is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
FLOW had positive earnings in the past year.
FLOW had a positive operating cash flow in the past year.
Each year in the past 5 years FLOW has been profitable.
FLOW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FLOW has a Return On Assets (1.66%) which is comparable to the rest of the industry.
With an excellent Return On Equity value of 31.91%, FLOW belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
FLOW's Return On Invested Capital of 6.62% is fine compared to the rest of the industry. FLOW outperforms 75.44% 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 8.46%.
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
FLOW has a better Profit Margin (23.09%) than 66.67% of its industry peers.
In the last couple of years the Profit Margin of FLOW has grown nicely.
With a decent Operating Margin value of 30.88%, FLOW is doing good in the industry, outperforming 74.56% of the companies in the same industry.
FLOW's Operating Margin has improved in the last couple of years.
FLOW has a Gross Margin of 41.25%. This is comparable to the rest of the industry: FLOW outperforms 58.77% 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
Compared to 1 year ago, FLOW has about the same amount of shares outstanding.
The number of shares outstanding for FLOW has been reduced compared to 5 years ago.
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.
Looking at the Altman-Z score, with a value of -0.31, FLOW is doing worse than 64.04% 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.
The Debt to FCF ratio of FLOW (231.72) is comparable to the rest of the industry.
A Debt/Equity ratio of 3.78 is on the high side and indicates that FLOW has dependencies on debt financing.
The Debt to Equity ratio of FLOW (3.78) is worse than 64.04% 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 of 0.49. This is comparable to the rest of the industry: FLOW outperforms 44.74% of its industry peers.
A Quick Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
FLOW's Quick ratio of 0.49 is in line compared to the rest of the industry. FLOW outperforms 45.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.49 | ||
| Quick Ratio | 0.49 |
3. Growth
3.1 Past
FLOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.19%, 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.
Looking at the last year, FLOW shows a very strong growth in Revenue. The Revenue has grown by 38.76%.
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)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
Revenue 1Y (TTM)38.76%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
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 Y-10.86%
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
EPS Next 5Y-2.62%
Revenue Next Year19.47%
Revenue Next 2Y11.07%
Revenue Next 3Y10.18%
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
The Price/Earnings ratio is 6.44, which indicates a rather cheap valuation of FLOW.
Based on the Price/Earnings ratio, FLOW is valued cheaper than 92.98% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.06, FLOW is valued rather cheaply.
The Price/Forward Earnings ratio is 6.68, which indicates a rather cheap valuation of FLOW.
97.37% of the companies in the same industry are more expensive than FLOW, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FLOW to the average of the S&P500 Index (32.73), we can say FLOW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 6.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FLOW is valued cheaply inside the industry as 95.61% of the companies are valued more expensively.
60.53% of the companies in the same industry are more expensive than FLOW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 80.65 | ||
| EV/EBITDA | 3.04 |
4.3 Compensation for Growth
The decent profitability rating of FLOW may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
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 5.73, FLOW pays a better dividend. On top of this FLOW pays more dividend than 92.11% 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 2.36.
| 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-0.9%
EPS Next 3Y2.83%
AMS:FLOW (11/10/2025, 11:45:02 AM)
23.62
-0.06 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners17.69%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.08B
Revenue(TTM)800.77M
Net Income(TTM)261.89M
Analysts78
Price Target29.67 (25.61%)
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)0.23%
PT rev (3m)1.9%
EPS NQ rev (1m)-23.32%
EPS NQ rev (3m)-29.59%
EPS NY rev (1m)-14.26%
EPS NY rev (3m)3.57%
Revenue NQ rev (1m)-12.78%
Revenue NQ rev (3m)-19.33%
Revenue NY rev (1m)-2.59%
Revenue NY rev (3m)-3.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.44 | ||
| Fwd PE | 6.68 | ||
| P/S | 0.95 | ||
| P/FCF | 80.65 | ||
| P/OCF | 54.91 | ||
| P/B | 1.31 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | 3.04 |
EPS(TTM)3.67
EY15.54%
EPS(NY)3.54
Fwd EY14.97%
FCF(TTM)0.29
FCFY1.24%
OCF(TTM)0.43
OCFY1.82%
SpS24.83
BVpS17.97
TBVpS17.83
PEG (NY)N/A
PEG (5Y)0.25
Graham Number38.52
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%
ROICexgc growth 3Y-2.99%
ROICexgc 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)58.19%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%-70.59%
EPS Next Y-10.86%
EPS Next 2Y-0.9%
EPS Next 3Y2.83%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)38.76%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%-29.76%
Revenue Next Year19.47%
Revenue Next 2Y11.07%
Revenue Next 3Y10.18%
Revenue Next 5Y3.18%
EBIT growth 1Y118.12%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year40.69%
EBIT Next 3Y14.34%
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%
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.
Can you provide the valuation status for FLOW TRADERS LTD?
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 valuation of FLOW TRADERS LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FLOW TRADERS LTD (FLOW.AS) is 6.44 and the Price/Book (PB) ratio is 1.31.
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 -10.86% in the next year.