FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
AMS:FLOW - BMG3602E1084 - Common Stock
25.14 EUR
+0.14 (+0.56%)
We assign a fundamental rating of 5 out of 10 to FLOW. FLOW was compared to 112 industry peers in the Capital Markets industry. FLOW has an excellent profitability rating, 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
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
The Return On Assets of FLOW (1.66%) is comparable to the rest of the industry.
The Return On Equity of FLOW (31.91%) is better than 93.75% of its industry peers.
With a decent Return On Invested Capital value of 6.62%, FLOW is doing good in the industry, outperforming 77.68% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FLOW is below the industry average of 8.47%.
The 3 year average ROIC (3.99%) for FLOW is below the current ROIC(6.62%), indicating increased profibility in the last year.
| 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 66.96% of its industry peers.
FLOW's Profit Margin has improved in the last couple of years.
FLOW has a Operating Margin of 30.88%. This is in the better half of the industry: FLOW outperforms 72.32% of its industry peers.
FLOW's Operating Margin has improved in the last couple of years.
FLOW has a better Gross Margin (41.25%) than 60.71% 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
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.
FLOW has a Altman-Z score of -0.31. This is comparable to the rest of the industry: FLOW outperforms 41.07% of its industry peers.
The Debt to FCF ratio of FLOW is 231.72, which is on the high side as it means it would take FLOW, 231.72 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 231.72, FLOW perfoms like the industry average, outperforming 59.82% of the companies in the same industry.
A Debt/Equity ratio of 3.78 is on the high side and indicates that FLOW has dependencies on debt financing.
FLOW has a worse Debt to Equity ratio (3.78) than 63.39% 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's Current ratio of 0.49 is in line compared to the rest of the industry. FLOW outperforms 49.11% of its industry peers.
A Quick Ratio of 0.49 indicates that FLOW may have some problems paying its short term obligations.
With a Quick ratio value of 0.49, FLOW perfoms like the industry average, outperforming 49.11% of the companies in the same industry.
| 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 165.22%, which is quite impressive.
Measured over the past years, FLOW shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.64% on average per year.
Looking at the last year, FLOW shows a very strong growth in Revenue. The Revenue has grown by 35.26%.
The Revenue has been growing by 17.83% on average over the past years. This is quite good.
EPS 1Y (TTM)165.22%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%300%
Revenue 1Y (TTM)35.26%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%88.85%
3.2 Future
The Earnings Per Share is expected to decrease by -2.62% on average over the next years.
The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y3.33%
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
EPS Next 5Y-2.62%
Revenue Next Year23.1%
Revenue Next 2Y9.53%
Revenue Next 3Y8.95%
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.
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
A Price/Earnings ratio of 5.89 indicates a rather cheap valuation of FLOW.
FLOW's Price/Earnings ratio is rather cheap when compared to the industry. FLOW is cheaper than 95.54% of the companies in the same industry.
FLOW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
The Price/Forward Earnings ratio is 7.23, which indicates a rather cheap valuation of FLOW.
99.11% 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 (35.82), we can say FLOW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 7.23 |
4.2 Price Multiples
93.75% of the companies in the same industry are more expensive than FLOW, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, FLOW is valued a bit cheaper than 61.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 85.84 | ||
| EV/EBITDA | 3.22 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FLOW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.77
PEG (5Y)0.23
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
5. Dividend
5.1 Amount
FLOW has a Yearly Dividend Yield of 6.44%, which is a nice return.
Compared to an average industry Dividend Yield of 5.70, FLOW pays a better dividend. On top of this FLOW pays more dividend than 88.39% 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 2.32.
| 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-1.75%
EPS Next 3Y2.19%
AMS:FLOW (8/22/2025, 7:00:00 PM)
25.14
+0.14 (+0.56%)
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 Cap1.15B
Analysts76
Price Target29.12 (15.83%)
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)-1.72%
PT rev (3m)1.12%
EPS NQ rev (1m)-8.17%
EPS NQ rev (3m)N/A
EPS NY rev (1m)20.06%
EPS NY rev (3m)20.06%
Revenue NQ rev (1m)-7.51%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-5.35%
Revenue NY rev (3m)-5.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 7.23 | ||
| P/S | 1.01 | ||
| P/FCF | 85.84 | ||
| P/OCF | 58.45 | ||
| P/B | 1.4 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 3.22 |
EPS(TTM)4.27
EY16.98%
EPS(NY)3.48
Fwd EY13.82%
FCF(TTM)0.29
FCFY1.17%
OCF(TTM)0.43
OCFY1.71%
SpS24.83
BVpS17.97
TBVpS17.83
PEG (NY)1.77
PEG (5Y)0.23
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%
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 Turnover0.07
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)165.22%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%300%
EPS Next Y3.33%
EPS Next 2Y-1.75%
EPS Next 3Y2.19%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)35.26%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%88.85%
Revenue Next Year23.1%
Revenue Next 2Y9.53%
Revenue Next 3Y8.95%
Revenue Next 5Y3.18%
EBIT growth 1Y118.12%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
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%