GROUPE BRUXELLES LAMBERT NV (GBLB.BR) Stock Fundamental Analysis
Europe - EBR:GBLB - BE0003797140 - Common Stock
75.05 EUR
+0.45 (+0.6%)
Taking everything into account, GBLB scores 3 out of 10 in our fundamental rating. GBLB was compared to 47 industry peers in the Financial Services industry. GBLB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. GBLB is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year GBLB was profitable.
GBLB had a positive operating cash flow in the past year.
GBLB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years GBLB had a positive operating cash flow.
1.2 Ratios
GBLB's Return On Assets of 0.52% is on the low side compared to the rest of the industry. GBLB is outperformed by 61.70% of its industry peers.
GBLB has a Return On Equity of 1.07%. This is comparable to the rest of the industry: GBLB outperforms 40.43% of its industry peers.
With a Return On Invested Capital value of 0.96%, GBLB is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for GBLB is significantly below the industry average of 9.94%.
The 3 year average ROIC (0.81%) for GBLB is below the current ROIC(0.96%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 1.07% | ||
| ROIC | 0.96% |
ROA(3y)1.59%
ROA(5y)1.37%
ROE(3y)2.81%
ROE(5y)2.38%
ROIC(3y)0.81%
ROIC(5y)1.13%
1.3 Margins
GBLB has a Profit Margin of 1.98%. This is in the lower half of the industry: GBLB underperforms 61.70% of its industry peers.
In the last couple of years the Profit Margin of GBLB has declined.
Looking at the Operating Margin, with a value of 5.49%, GBLB is doing worse than 63.83% of the companies in the same industry.
In the last couple of years the Operating Margin of GBLB has declined.
With a decent Gross Margin value of 62.71%, GBLB is doing good in the industry, outperforming 63.83% of the companies in the same industry.
GBLB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.49% | ||
| PM (TTM) | 1.98% | ||
| GM | 62.71% |
OM growth 3Y-18.48%
OM growth 5Y-18.66%
PM growth 3Y-21.26%
PM growth 5Y-30.86%
GM growth 3Y-5.44%
GM growth 5Y-0.69%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GBLB is destroying value.
GBLB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for GBLB has been reduced compared to 5 years ago.
Compared to 1 year ago, GBLB has a worse debt to assets ratio.
2.2 Solvency
GBLB has an Altman-Z score of 1.32. This is a bad value and indicates that GBLB is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.32, GBLB perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
The Debt to FCF ratio of GBLB is 12.98, which is on the high side as it means it would take GBLB, 12.98 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GBLB (12.98) is comparable to the rest of the industry.
GBLB has a Debt/Equity ratio of 0.51. This is a neutral value indicating GBLB is somewhat dependend on debt financing.
GBLB has a Debt to Equity ratio (0.51) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 12.98 | ||
| Altman-Z | 1.32 |
ROIC/WACC0.16
WACC6%
2.3 Liquidity
A Current Ratio of 1.91 indicates that GBLB should not have too much problems paying its short term obligations.
GBLB's Current ratio of 1.91 is fine compared to the rest of the industry. GBLB outperforms 72.34% of its industry peers.
A Quick Ratio of 1.56 indicates that GBLB should not have too much problems paying its short term obligations.
GBLB has a better Quick ratio (1.56) than 72.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.91 | ||
| Quick Ratio | 1.56 |
3. Growth
3.1 Past
GBLB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -91.95%.
Measured over the past years, GBLB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -26.51% on average per year.
The Revenue has decreased by -1.53% in the past year.
The Revenue has been growing slightly by 3.51% on average over the past years.
EPS 1Y (TTM)-91.95%
EPS 3Y-18.6%
EPS 5Y-26.51%
EPS Q2Q%-83.53%
Revenue 1Y (TTM)-1.53%
Revenue growth 3Y-0.95%
Revenue growth 5Y3.51%
Sales Q2Q%-5.29%
3.2 Future
Based on estimates for the next years, GBLB will show a decrease in Earnings Per Share. The EPS will decrease by -6.19% on average per year.
GBLB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.33% yearly.
EPS Next Y-28.35%
EPS Next 2Y-11.43%
EPS Next 3Y-6.19%
EPS Next 5YN/A
Revenue Next Year0.99%
Revenue Next 2Y1.99%
Revenue Next 3Y2.33%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
Based on the Price/Earnings ratio of 78.18, the valuation of GBLB can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of GBLB indicates a slightly more expensive valuation: GBLB is more expensive than 63.83% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GBLB to the average of the S&P500 Index (27.32), we can say GBLB is valued expensively.
Based on the Price/Forward Earnings ratio of 21.49, the valuation of GBLB can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GBLB is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.89. GBLB is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.18 | ||
| Fwd PE | 21.49 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as GBLB.
The rest of the industry has a similar Price/Free Cash Flow ratio as GBLB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.97 | ||
| EV/EBITDA | 13.06 |
4.3 Compensation for Growth
GBLB's earnings are expected to decrease with -6.19% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.43%
EPS Next 3Y-6.19%
5. Dividend
5.1 Amount
GBLB has a Yearly Dividend Yield of 4.67%, which is a nice return.
GBLB's Dividend Yield is rather good when compared to the industry average which is at 3.85. GBLB pays more dividend than 80.85% of the companies in the same industry.
GBLB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
5.2 History
The dividend of GBLB decreases each year by -2.00%.
Dividend Growth(5Y)-2%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
468.18% of the earnings are spent on dividend by GBLB. This is not a 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.
DP468.18%
EPS Next 2Y-11.43%
EPS Next 3Y-6.19%
EBR:GBLB (9/26/2025, 7:00:00 PM)
75.05
+0.45 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners25.81%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap10.00B
Analysts83.08
Price Target85.48 (13.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.67% |
Yearly Dividend2.78
Dividend Growth(5Y)-2%
DP468.18%
Div Incr Years1
Div Non Decr Years4
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)0%
PT rev (3m)-2.85%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-9.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.18 | ||
| Fwd PE | 21.49 | ||
| P/S | 1.5 | ||
| P/FCF | 16.97 | ||
| P/OCF | 8.3 | ||
| P/B | 0.81 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 13.06 |
EPS(TTM)0.96
EY1.28%
EPS(NY)3.49
Fwd EY4.65%
FCF(TTM)4.42
FCFY5.89%
OCF(TTM)9.05
OCFY12.06%
SpS50.19
BVpS92.77
TBVpS39.46
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 1.07% | ||
| ROCE | 1.63% | ||
| ROIC | 0.96% | ||
| ROICexc | 1.13% | ||
| ROICexgc | 1.79% | ||
| OM | 5.49% | ||
| PM (TTM) | 1.98% | ||
| GM | 62.71% | ||
| FCFM | 8.81% |
ROA(3y)1.59%
ROA(5y)1.37%
ROE(3y)2.81%
ROE(5y)2.38%
ROIC(3y)0.81%
ROIC(5y)1.13%
ROICexc(3y)0.92%
ROICexc(5y)1.25%
ROICexgc(3y)1.32%
ROICexgc(5y)1.66%
ROCE(3y)1.37%
ROCE(5y)1.91%
ROICexcg growth 3Y-6.63%
ROICexcg growth 5Y-8.4%
ROICexc growth 3Y-11.16%
ROICexc growth 5Y-11.6%
OM growth 3Y-18.48%
OM growth 5Y-18.66%
PM growth 3Y-21.26%
PM growth 5Y-30.86%
GM growth 3Y-5.44%
GM growth 5Y-0.69%
F-Score5
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 12.98 | ||
| Debt/EBITDA | 6.63 | ||
| Cap/Depr | 104.99% | ||
| Cap/Sales | 9.21% | ||
| Interest Coverage | 0.96 | ||
| Cash Conversion | 126.32% | ||
| Profit Quality | 445.28% | ||
| Current Ratio | 1.91 | ||
| Quick Ratio | 1.56 | ||
| Altman-Z | 1.32 |
F-Score5
WACC6%
ROIC/WACC0.16
Cap/Depr(3y)97.68%
Cap/Depr(5y)87.97%
Cap/Sales(3y)10%
Cap/Sales(5y)8.4%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-91.95%
EPS 3Y-18.6%
EPS 5Y-26.51%
EPS Q2Q%-83.53%
EPS Next Y-28.35%
EPS Next 2Y-11.43%
EPS Next 3Y-6.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.53%
Revenue growth 3Y-0.95%
Revenue growth 5Y3.51%
Sales Q2Q%-5.29%
Revenue Next Year0.99%
Revenue Next 2Y1.99%
Revenue Next 3Y2.33%
Revenue Next 5YN/A
EBIT growth 1Y-41.9%
EBIT growth 3Y-19.25%
EBIT growth 5Y-15.81%
EBIT Next Year9.24%
EBIT Next 3Y5.06%
EBIT Next 5YN/A
FCF growth 1Y82.78%
FCF growth 3Y8.34%
FCF growth 5Y2.47%
OCF growth 1Y13.85%
OCF growth 3Y8.48%
OCF growth 5Y4.55%