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GIMV NV (GIMB.BR) Stock Fundamental Analysis

EBR:GIMB - Euronext Brussels - BE0003699130 - Common Stock - Currency: EUR

44.65  +0.45 (+1.02%)

Fundamental Rating

5

Overall GIMB gets a fundamental rating of 5 out of 10. We evaluated GIMB against 107 industry peers in the Capital Markets industry. GIMB has an excellent profitability rating, but there are some minor concerns on its financial health. While showing a medium growth rate, GIMB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

GIMB had positive earnings in the past year.
In the past year GIMB has reported a negative cash flow from operations.
Of the past 5 years GIMB 4 years were profitable.
In the past 5 years GIMB always reported negative operating cash flow.
GIMB.BR Yearly Net Income VS EBIT VS OCF VS FCFGIMB.BR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M 300M 400M

1.2 Ratios

Looking at the Return On Assets, with a value of 9.26%, GIMB belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
GIMB has a better Return On Equity (11.49%) than 66.67% of its industry peers.
With an excellent Return On Invested Capital value of 13.32%, GIMB belongs to the best of the industry, outperforming 89.81% of the companies in the same industry.
GIMB had an Average Return On Invested Capital over the past 3 years of 11.04%. This is above the industry average of 8.19%.
The 3 year average ROIC (11.04%) for GIMB is below the current ROIC(13.32%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 9.26%
ROE 11.49%
ROIC 13.32%
ROA(3y)5.71%
ROA(5y)7.66%
ROE(3y)7.18%
ROE(5y)10%
ROIC(3y)11.04%
ROIC(5y)11.38%
GIMB.BR Yearly ROA, ROE, ROICGIMB.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10 15

1.3 Margins

Looking at the Profit Margin, with a value of 44.41%, GIMB belongs to the top of the industry, outperforming 87.96% of the companies in the same industry.
GIMB's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 83.40%, GIMB belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.
In the last couple of years the Operating Margin of GIMB has grown nicely.
The Gross Margin of GIMB (96.40%) is better than 94.44% of its industry peers.
In the last couple of years the Gross Margin of GIMB has grown nicely.
Industry RankSector Rank
OM 83.4%
PM (TTM) 44.41%
GM 96.4%
OM growth 3Y0.34%
OM growth 5Y2.87%
PM growth 3Y-6.42%
PM growth 5YN/A
GM growth 3Y0.67%
GM growth 5Y1.88%
GIMB.BR Yearly Profit, Operating, Gross MarginsGIMB.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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6

2. Health

2.1 Basic Checks

GIMB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for GIMB has been increased compared to 5 years ago.
The debt/assets ratio for GIMB has been reduced compared to a year ago.
GIMB.BR Yearly Shares OutstandingGIMB.BR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GIMB.BR Yearly Total Debt VS Total AssetsGIMB.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

An Altman-Z score of 3.95 indicates that GIMB is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.95, GIMB is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
GIMB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.19, GIMB is doing good in the industry, outperforming 72.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Altman-Z 3.95
ROIC/WACCN/A
WACCN/A
GIMB.BR Yearly LT Debt VS Equity VS FCFGIMB.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

GIMB has a Current Ratio of 14.79. This indicates that GIMB is financially healthy and has no problem in meeting its short term obligations.
GIMB has a Current ratio of 14.79. This is amongst the best in the industry. GIMB outperforms 97.22% of its industry peers.
A Quick Ratio of 14.79 indicates that GIMB has no problem at all paying its short term obligations.
GIMB has a better Quick ratio (14.79) than 97.22% of its industry peers.
Industry RankSector Rank
Current Ratio 14.79
Quick Ratio 14.79
GIMB.BR Yearly Current Assets VS Current LiabilitesGIMB.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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4

3. Growth

3.1 Past

GIMB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.31%.
GIMB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.29% yearly.
The Revenue has grown by 26.23% in the past year. This is a very strong growth!
Measured over the past years, GIMB shows a very strong growth in Revenue. The Revenue has been growing by 27.65% on average per year.
EPS 1Y (TTM)-2.31%
EPS 3Y5.29%
EPS 5YN/A
EPS Q2Q%22.75%
Revenue 1Y (TTM)26.23%
Revenue growth 3Y15.31%
Revenue growth 5Y27.65%
Sales Q2Q%59.17%

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.
GIMB.BR Yearly Revenue VS EstimatesGIMB.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
GIMB.BR Yearly EPS VS EstimatesGIMB.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2024 2025 2 4 6

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.95, the valuation of GIMB can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of GIMB indicates a rather cheap valuation: GIMB is cheaper than 93.52% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.52. GIMB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.95
Fwd PE N/A
GIMB.BR Price Earnings VS Forward Price EarningsGIMB.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GIMB.BR Per share dataGIMB.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40 50

4.3 Compensation for Growth

GIMB has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

GIMB has a Yearly Dividend Yield of 4.12%, which is a nice return.
Compared to an average industry Dividend Yield of 6.28, GIMB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, GIMB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.12%

5.2 History

The dividend of GIMB decreases each year by -14.48%.
Dividend Growth(5Y)-14.48%
Div Incr Years0
Div Non Decr Years6
GIMB.BR Yearly Dividends per shareGIMB.BR Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

GIMB pays out 16.83% of its income as dividend. This is a sustainable payout ratio.
DP16.83%
EPS Next 2YN/A
EPS Next 3YN/A
GIMB.BR Yearly Income VS Free CF VS DividendGIMB.BR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M
GIMB.BR Dividend Payout.GIMB.BR Dividend Payout, showing the Payout Ratio.GIMB.BR Dividend Payout.PayoutRetained Earnings

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GIMV NV

EBR:GIMB (6/6/2025, 7:00:00 PM)

44.65

+0.45 (+1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)05-22 2025-05-22
Earnings (Next)11-19 2025-11-19
Inst Owners7.74%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap1.60B
Analysts84
Price Target49.79 (11.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.12%
Yearly Dividend1.14
Dividend Growth(5Y)-14.48%
DP16.83%
Div Incr Years0
Div Non Decr Years6
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)-1.18%
PT rev (3m)-1.18%
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 RankSector Rank
PE 5.95
Fwd PE N/A
P/S 3.24
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)7.5
EY16.8%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.36
FCFYN/A
OCF(TTM)-1.36
OCFYN/A
SpS13.79
BVpS53.31
TBVpS53.3
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.26%
ROE 11.49%
ROCE 17.76%
ROIC 13.32%
ROICexc 18.73%
ROICexgc 18.73%
OM 83.4%
PM (TTM) 44.41%
GM 96.4%
FCFM N/A
ROA(3y)5.71%
ROA(5y)7.66%
ROE(3y)7.18%
ROE(5y)10%
ROIC(3y)11.04%
ROIC(5y)11.38%
ROICexc(3y)15.32%
ROICexc(5y)15.69%
ROICexgc(3y)15.33%
ROICexgc(5y)15.69%
ROCE(3y)14.71%
ROCE(5y)15.18%
ROICexcg growth 3Y10.61%
ROICexcg growth 5Y19.17%
ROICexc growth 3Y10.62%
ROICexc growth 5Y19.18%
OM growth 3Y0.34%
OM growth 5Y2.87%
PM growth 3Y-6.42%
PM growth 5YN/A
GM growth 3Y0.67%
GM growth 5Y1.88%
F-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 14.79
Quick Ratio 14.79
Altman-Z 3.95
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.31%
EPS 3Y5.29%
EPS 5YN/A
EPS Q2Q%22.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.23%
Revenue growth 3Y15.31%
Revenue growth 5Y27.65%
Sales Q2Q%59.17%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y28.43%
EBIT growth 3Y15.7%
EBIT growth 5Y31.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.25%
OCF growth 3YN/A
OCF growth 5YN/A