GROUPE BRUXELLES LAMBERT NV (GBLB.BR) Stock Fundamental Analysis
EBR:GBLB - Euronext Brussels - BE0003797140 - Common Stock - Currency: EUR
GBLB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. GBLB has an average financial health and profitability rating. GBLB has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year GBLB was profitable.
GBLB had a positive operating cash flow in the past year.
Of the past 5 years GBLB 4 years were profitable.
In the past 5 years GBLB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.89%, GBLB belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
GBLB has a Return On Equity of 21.19%. This is in the better half of the industry: GBLB outperforms 76.60% of its industry peers.
GBLB has a Return On Invested Capital of 3.46%. This is comparable to the rest of the industry: GBLB outperforms 51.06% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GBLB is significantly below the industry average of 11.13%.
The last Return On Invested Capital (3.46%) for GBLB is above the 3 year average (1.25%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.89% | ||
| ROE | 21.19% | ||
| ROIC | 3.46% |
ROA(3y)1.7%
ROA(5y)1.73%
ROE(3y)2.96%
ROE(5y)2.9%
ROIC(3y)1.25%
ROIC(5y)1.7%
1.3 Margins
GBLB has a Profit Margin of 29.68%. This is in the better half of the industry: GBLB outperforms 72.34% of its industry peers.
In the last couple of years the Profit Margin of GBLB has grown nicely.
Looking at the Operating Margin, with a value of 10.98%, GBLB is in line with its industry, outperforming 51.06% of the companies in the same industry.
GBLB's Operating Margin has declined in the last couple of years.
The Gross Margin of GBLB (66.73%) is better than 68.09% of its industry peers.
In the last couple of years the Gross Margin of GBLB has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.98% | ||
| PM (TTM) | 29.68% | ||
| GM | 66.73% |
OM growth 3Y-11.68%
OM growth 5Y-9.77%
PM growth 3Y62.81%
PM growth 5Y16.66%
GM growth 3Y-4.61%
GM growth 5Y-0.81%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GBLB is destroying value.
The number of shares outstanding for GBLB has been reduced compared to 1 year ago.
GBLB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GBLB has been reduced compared to a year ago.
2.2 Solvency
GBLB has an Altman-Z score of 1.46. This is a bad value and indicates that GBLB is not financially healthy and even has some risk of bankruptcy.
GBLB has a Altman-Z score of 1.46. This is comparable to the rest of the industry: GBLB outperforms 53.19% of its industry peers.
The Debt to FCF ratio of GBLB is 28.56, which is on the high side as it means it would take GBLB, 28.56 years of fcf income to pay off all of its debts.
GBLB has a worse Debt to FCF ratio (28.56) than 70.21% of its industry peers.
GBLB has a Debt/Equity ratio of 0.50. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of GBLB (0.50) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 28.56 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.56
WACC6.14%
2.3 Liquidity
GBLB has a Current Ratio of 1.93. This is a normal value and indicates that GBLB is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of GBLB (1.93) is better than 74.47% of its industry peers.
A Quick Ratio of 1.52 indicates that GBLB should not have too much problems paying its short term obligations.
GBLB has a Quick ratio of 1.52. This is in the better half of the industry: GBLB outperforms 72.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.93 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
GBLB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.37%.
GBLB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.38% yearly.
Looking at the last year, GBLB shows a decrease in Revenue. The Revenue has decreased by -6.44% in the last year.
GBLB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.89% yearly.
EPS 1Y (TTM)0.37%
EPS 3Y67.6%
EPS 5Y23.38%
EPS Q2Q%-119.34%
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y0.7%
Revenue growth 5Y3.89%
Sales Q2Q%-6.44%
3.2 Future
GBLB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -31.01% yearly.
The Revenue is expected to decrease by -3.72% on average over the next years.
EPS Next Y-69.84%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EPS Next 5YN/A
Revenue Next Year-10.75%
Revenue Next 2Y-5.53%
Revenue Next 3Y-3.72%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 6.67, the valuation of GBLB can be described as very cheap.
Based on the Price/Earnings ratio, GBLB is valued a bit cheaper than 76.60% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.07, GBLB is valued rather cheaply.
A Price/Forward Earnings ratio of 24.58 indicates a rather expensive valuation of GBLB.
The rest of the industry has a similar Price/Forward Earnings ratio as GBLB.
GBLB is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.05, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 24.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GBLB is valued a bit cheaper than 68.09% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GBLB indicates a slightly more expensive valuation: GBLB is more expensive than 63.83% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.79 | ||
| EV/EBITDA | 7.93 |
4.3 Compensation for Growth
The decent profitability rating of GBLB may justify a higher PE ratio.
A cheap valuation may be justified as GBLB's earnings are expected to decrease with -31.01% in the coming years.
PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
5. Dividend
5.1 Amount
GBLB has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
GBLB's Dividend Yield is a higher than the industry average which is at 3.76.
GBLB's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
5.2 History
The dividend of GBLB decreases each year by -1.44%.
Dividend Growth(5Y)-1.44%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
11.75% of the earnings are spent on dividend by GBLB. This is a low number and sustainable payout ratio.
The Dividend Rate of GBLB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP11.75%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EBR:GBLB (3/26/2025, 5:35:15 PM)
70.7
-0.25 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners26.32%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap9.78B
Analysts83.08
Price Target90.74 (28.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend2.81
Dividend Growth(5Y)-1.44%
DP11.75%
Div Incr Years0
Div Non Decr Years3
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)-2.96%
PT rev (3m)-0.05%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-14.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.02%
Revenue NY rev (3m)5.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 24.58 | ||
| P/S | 0.96 | ||
| P/FCF | 33.79 | ||
| P/OCF | 11.57 | ||
| P/B | 0.69 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 7.93 |
EPS(TTM)10.6
EY14.99%
EPS(NY)2.88
Fwd EY4.07%
FCF(TTM)2.09
FCFY2.96%
OCF(TTM)6.11
OCFY8.65%
SpS73.57
BVpS103.05
TBVpS54.56
PEG (NY)N/A
PEG (5Y)0.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.89% | ||
| ROE | 21.19% | ||
| ROCE | 4.48% | ||
| ROIC | 3.46% | ||
| ROICexc | 3.91% | ||
| ROICexgc | 5.6% | ||
| OM | 10.98% | ||
| PM (TTM) | 29.68% | ||
| GM | 66.73% | ||
| FCFM | 2.84% |
ROA(3y)1.7%
ROA(5y)1.73%
ROE(3y)2.96%
ROE(5y)2.9%
ROIC(3y)1.25%
ROIC(5y)1.7%
ROICexc(3y)1.4%
ROICexc(5y)1.87%
ROICexgc(3y)1.88%
ROICexgc(5y)2.41%
ROCE(3y)1.62%
ROCE(5y)2.22%
ROICexcg growth 3Y-3.39%
ROICexcg growth 5Y-4.94%
ROICexc growth 3Y-7.07%
ROICexc growth 5Y-7.91%
OM growth 3Y-11.68%
OM growth 5Y-9.77%
PM growth 3Y62.81%
PM growth 5Y16.66%
GM growth 3Y-4.61%
GM growth 5Y-0.81%
F-Score6
Asset Turnover0.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 28.56 | ||
| Debt/EBITDA | 4.14 | ||
| Cap/Depr | 92.58% | ||
| Cap/Sales | 5.46% | ||
| Interest Coverage | 3.19 | ||
| Cash Conversion | 49.21% | ||
| Profit Quality | 9.58% | ||
| Current Ratio | 1.93 | ||
| Quick Ratio | 1.52 | ||
| Altman-Z | 1.46 |
F-Score6
WACC6.14%
ROIC/WACC0.56
Cap/Depr(3y)89.52%
Cap/Depr(5y)85.68%
Cap/Sales(3y)9.29%
Cap/Sales(5y)8.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.37%
EPS 3Y67.6%
EPS 5Y23.38%
EPS Q2Q%-119.34%
EPS Next Y-69.84%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y0.7%
Revenue growth 5Y3.89%
Sales Q2Q%-6.44%
Revenue Next Year-10.75%
Revenue Next 2Y-5.53%
Revenue Next 3Y-3.72%
Revenue Next 5YN/A
EBIT growth 1Y44.25%
EBIT growth 3Y-11.06%
EBIT growth 5Y-6.26%
EBIT Next Year156.62%
EBIT Next 3Y22.85%
EBIT Next 5YN/A
FCF growth 1Y-33.52%
FCF growth 3Y-18.79%
FCF growth 5Y-2.32%
OCF growth 1Y-11.91%
OCF growth 3Y-3.01%
OCF growth 5Y4.18%