FORIS AG (FRS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:FRS - DE0005775803 - Common Stock
3.26 EUR
-0.08 (-2.4%)
Taking everything into account, FRS scores 4 out of 10 in our fundamental rating. FRS was compared to 58 industry peers in the Financial Services industry. FRS has a great financial health rating, but its profitability evaluates not so good. FRS does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year FRS was profitable.
FRS had a positive operating cash flow in the past year.
In multiple years FRS reported negative net income over the last 5 years.
FRS had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.29%, FRS is in line with its industry, outperforming 51.72% of the companies in the same industry.
Looking at the Return On Equity, with a value of 1.55%, FRS is in line with its industry, outperforming 44.83% of the companies in the same industry.
FRS has a Return On Invested Capital (1.66%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for FRS is below the industry average of 8.80%.
The last Return On Invested Capital (1.66%) for FRS is well below the 3 year average (6.20%), which needs to be investigated, but indicates that FRS had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 1.55% | ||
| ROIC | 1.66% |
ROA(3y)6.62%
ROA(5y)0.48%
ROE(3y)8.12%
ROE(5y)0.53%
ROIC(3y)6.2%
ROIC(5y)N/A
1.3 Margins
FRS has a worse Profit Margin (1.07%) than 63.79% of its industry peers.
In the last couple of years the Profit Margin of FRS has grown nicely.
FRS has a Operating Margin of 1.63%. This is in the lower half of the industry: FRS underperforms 67.24% of its industry peers.
FRS's Operating Margin has improved in the last couple of years.
The Gross Margin of FRS (22.62%) is worse than 60.34% of its industry peers.
FRS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.63% | ||
| PM (TTM) | 1.07% | ||
| GM | 22.62% |
OM growth 3YN/A
OM growth 5Y19.14%
PM growth 3YN/A
PM growth 5Y17%
GM growth 3Y20.6%
GM growth 5Y0.07%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FRS is destroying value.
Compared to 1 year ago, FRS has less shares outstanding
Compared to 5 years ago, FRS has less shares outstanding
Compared to 1 year ago, FRS has an improved debt to assets ratio.
2.2 Solvency
FRS has an Altman-Z score of 4.77. This indicates that FRS is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of FRS (4.77) is better than 82.76% of its industry peers.
FRS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.38 | ||
| Altman-Z | 4.77 |
ROIC/WACC0.25
WACC6.64%
2.3 Liquidity
FRS has a Current Ratio of 4.03. This indicates that FRS is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of FRS (4.03) is better than 82.76% of its industry peers.
A Quick Ratio of 1.14 indicates that FRS should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.14, FRS perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.03 | ||
| Quick Ratio | 1.14 |
3. Growth
3.1 Past
The earnings per share for FRS have decreased strongly by -88.74% in the last year.
FRS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.07% yearly.
FRS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.27%.
FRS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.97% yearly.
EPS 1Y (TTM)-88.74%
EPS 3YN/A
EPS 5Y24.07%
EPS Q2Q%-131.24%
Revenue 1Y (TTM)-10.27%
Revenue growth 3Y12.73%
Revenue growth 5Y5.97%
Sales Q2Q%-37.87%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
FRS is valuated quite expensively with a Price/Earnings ratio of 65.20.
FRS's Price/Earnings ratio is a bit more expensive when compared to the industry. FRS is more expensive than 63.79% of the companies in the same industry.
FRS's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 65.2 | ||
| Fwd PE | N/A |
4.2 Price Multiples
FRS's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, FRS is valued cheaper than 93.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.72 | ||
| EV/EBITDA | 26.02 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.71
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
FRS has a Yearly Dividend Yield of 4.49%, which is a nice return.
Compared to an average industry Dividend Yield of 1.97, FRS pays a better dividend. On top of this FRS pays more dividend than 82.76% of the companies listed in the same industry.
FRS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
FRA:FRS (1/13/2026, 7:00:00 PM)
3.26
-0.08 (-2.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners36.95%
Ins Owner ChangeN/A
Market Cap15.09M
Revenue(TTM)24.01M
Net Income(TTM)258.00K
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 65.2 | ||
| Fwd PE | N/A | ||
| P/S | 0.63 | ||
| P/FCF | 2.72 | ||
| P/OCF | 2.66 | ||
| P/B | 0.91 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 26.02 |
EPS(TTM)0.05
EY1.53%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.2
FCFY36.74%
OCF(TTM)1.22
OCFY37.56%
SpS5.19
BVpS3.59
TBVpS3.53
PEG (NY)N/A
PEG (5Y)2.71
Graham Number2.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.29% | ||
| ROE | 1.55% | ||
| ROCE | 2.36% | ||
| ROIC | 1.66% | ||
| ROICexc | 1.88% | ||
| ROICexgc | 1.91% | ||
| OM | 1.63% | ||
| PM (TTM) | 1.07% | ||
| GM | 22.62% | ||
| FCFM | 23.09% |
ROA(3y)6.62%
ROA(5y)0.48%
ROE(3y)8.12%
ROE(5y)0.53%
ROIC(3y)6.2%
ROIC(5y)N/A
ROICexc(3y)7.83%
ROICexc(5y)N/A
ROICexgc(3y)7.98%
ROICexgc(5y)N/A
ROCE(3y)8.81%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y19.51%
ROICexc growth 3YN/A
ROICexc growth 5Y22.41%
OM growth 3YN/A
OM growth 5Y19.14%
PM growth 3YN/A
PM growth 5Y17%
GM growth 3Y20.6%
GM growth 5Y0.07%
F-Score6
Asset Turnover1.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.38 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 59.05% | ||
| Cap/Sales | 0.52% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 941.69% | ||
| Profit Quality | 2149.22% | ||
| Current Ratio | 4.03 | ||
| Quick Ratio | 1.14 | ||
| Altman-Z | 4.77 |
F-Score6
WACC6.64%
ROIC/WACC0.25
Cap/Depr(3y)58.1%
Cap/Depr(5y)38%
Cap/Sales(3y)0.48%
Cap/Sales(5y)0.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-88.74%
EPS 3YN/A
EPS 5Y24.07%
EPS Q2Q%-131.24%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.27%
Revenue growth 3Y12.73%
Revenue growth 5Y5.97%
Sales Q2Q%-37.87%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-84.82%
EBIT growth 3YN/A
EBIT growth 5Y26.25%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y255.76%
FCF growth 3YN/A
FCF growth 5Y160.07%
OCF growth 1Y265.42%
OCF growth 3YN/A
OCF growth 5Y124.67%
FORIS AG / FRS.DE FAQ
What is the ChartMill fundamental rating of FORIS AG (FRS.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FRS.DE.
Can you provide the valuation status for FORIS AG?
ChartMill assigns a valuation rating of 2 / 10 to FORIS AG (FRS.DE). This can be considered as Overvalued.
What is the profitability of FRS stock?
FORIS AG (FRS.DE) has a profitability rating of 3 / 10.
What is the financial health of FORIS AG (FRS.DE) stock?
The financial health rating of FORIS AG (FRS.DE) is 8 / 10.