HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
139.2 EUR
+1 (+0.72%)
We assign a fundamental rating of 6 out of 10 to HAL. HAL was compared to 53 industry peers in the Financial Services industry. While HAL belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HAL may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make HAL a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year HAL was profitable.
HAL had a positive operating cash flow in the past year.
HAL had positive earnings in each of the past 5 years.
Each year in the past 5 years HAL had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.27%, HAL belongs to the top of the industry, outperforming 88.68% of the companies in the same industry.
HAL's Return On Equity of 11.44% is fine compared to the rest of the industry. HAL outperforms 71.70% of its industry peers.
The Return On Invested Capital of HAL (7.40%) is better than 75.47% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HAL is below the industry average of 8.74%.
The 3 year average ROIC (4.86%) for HAL is below the current ROIC(7.40%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROIC | 7.4% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.83%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
1.3 Margins
Looking at the Profit Margin, with a value of 13.14%, HAL is in the better half of the industry, outperforming 66.04% of the companies in the same industry.
In the last couple of years the Profit Margin of HAL has declined.
HAL has a better Operating Margin (15.22%) than 62.26% of its industry peers.
In the last couple of years the Operating Margin of HAL has grown nicely.
With a decent Gross Margin value of 58.42%, HAL is doing good in the industry, outperforming 64.15% of the companies in the same industry.
In the last couple of years the Gross Margin of HAL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% |
OM growth 3Y6.91%
OM growth 5Y4.41%
PM growth 3Y-45.09%
PM growth 5Y-5.59%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
2. Health
2.1 Basic Checks
HAL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
HAL has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, HAL has more shares outstanding
Compared to 1 year ago, HAL has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.59, we must say that HAL is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.59, HAL is doing good in the industry, outperforming 60.38% of the companies in the same industry.
The Debt to FCF ratio of HAL is 4.10, which is a neutral value as it means it would take HAL, 4.10 years of fcf income to pay off all of its debts.
HAL's Debt to FCF ratio of 4.10 is fine compared to the rest of the industry. HAL outperforms 69.81% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that HAL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.31, HAL is in the better half of the industry, outperforming 60.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.59 |
ROIC/WACC1.03
WACC7.21%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HAL should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.48, HAL is doing good in the industry, outperforming 62.26% of the companies in the same industry.
A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.30, HAL is in line with its industry, outperforming 54.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
HAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.06%, which is quite impressive.
The Earnings Per Share has been growing by 12.56% on average over the past years. This is quite good.
HAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.38%.
Measured over the past years, HAL shows a quite strong growth in Revenue. The Revenue has been growing by 19.38% on average per year.
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
3.2 Future
HAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.61% yearly.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 3.56% on average per year.
EPS Next Y-17.37%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y3.78%
Revenue Next 3Y3.56%
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
A Price/Earnings ratio of 7.27 indicates a rather cheap valuation of HAL.
Compared to the rest of the industry, the Price/Earnings ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 86.79% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of HAL to the average of the S&P500 Index (25.98), we can say HAL is valued rather cheaply.
A Price/Forward Earnings ratio of 10.13 indicates a reasonable valuation of HAL.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 71.70% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.79, HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.27 | ||
| Fwd PE | 10.13 |
4.2 Price Multiples
83.02% of the companies in the same industry are more expensive than HAL, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than 69.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.75 | ||
| EV/EBITDA | 3.29 |
4.3 Compensation for Growth
HAL has a very decent profitability rating, which may justify a higher PE ratio.
HAL's earnings are expected to decrease with -7.61% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.11%.
Compared to an average industry Dividend Yield of 3.54, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
5.2 History
The dividend of HAL has a limited annual growth rate of 3.20%.
Dividend Growth(5Y)3.2%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
HAL pays out 15.23% of its income as dividend. This is a sustainable payout ratio.
DP15.23%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
AMS:HAL (11/26/2025, 5:27:12 PM)
139.2
+1 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.2%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.58B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target162.52 (16.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend2.86
Dividend Growth(5Y)3.2%
DP15.23%
Div Incr Years1
Div Non Decr Years1
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)10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)22.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.27 | ||
| Fwd PE | 10.13 | ||
| P/S | 0.96 | ||
| P/FCF | 10.75 | ||
| P/OCF | 4.89 | ||
| P/B | 0.84 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.29 |
EPS(TTM)19.14
EY13.75%
EPS(NY)13.74
Fwd EY9.87%
FCF(TTM)12.95
FCFY9.3%
OCF(TTM)28.47
OCFY20.45%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.58
Graham Number267.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROCE | 9.15% | ||
| ROIC | 7.4% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 10.89% | ||
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% | ||
| FCFM | 8.92% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.83%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
ROICexc(3y)6.26%
ROICexc(5y)5.15%
ROICexgc(3y)7.93%
ROICexgc(5y)6.38%
ROCE(3y)5.96%
ROCE(5y)4.86%
ROICexgc growth 3Y18.15%
ROICexgc growth 5Y19.86%
ROICexc growth 3Y16.74%
ROICexc growth 5Y16.84%
OM growth 3Y6.91%
OM growth 5Y4.41%
PM growth 3Y-45.09%
PM growth 5Y-5.59%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
F-Score8
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 107.27% | ||
| Cap/Sales | 10.69% | ||
| Interest Coverage | 7.24 | ||
| Cash Conversion | 77.86% | ||
| Profit Quality | 67.89% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 1.59 |
F-Score8
WACC7.21%
ROIC/WACC1.03
Cap/Depr(3y)80.63%
Cap/Depr(5y)93%
Cap/Sales(3y)9.49%
Cap/Sales(5y)10.9%
Profit Quality(3y)106.37%
Profit Quality(5y)101.55%
High Growth Momentum
Growth
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
EPS Next Y-17.37%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year4.19%
Revenue Next 2Y3.78%
Revenue Next 3Y3.56%
Revenue Next 5YN/A
EBIT growth 1Y39.07%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.74%
EBIT Next 3Y12.47%
EBIT Next 5YN/A
FCF growth 1Y49.51%
FCF growth 3Y19.86%
FCF growth 5Y9.61%
OCF growth 1Y30.76%
OCF growth 3Y20.81%
OCF growth 5Y6.87%
HAL TRUST / HAL.AS FAQ
Can you provide the ChartMill fundamental rating for HAL TRUST?
ChartMill assigns a fundamental rating of 6 / 10 to HAL.AS.
What is the valuation status for HAL stock?
ChartMill assigns a valuation rating of 7 / 10 to HAL TRUST (HAL.AS). This can be considered as Undervalued.
What is the profitability of HAL stock?
HAL TRUST (HAL.AS) has a profitability rating of 7 / 10.
Can you provide the financial health for HAL stock?
The financial health rating of HAL TRUST (HAL.AS) is 5 / 10.
Can you provide the expected EPS growth for HAL stock?
The Earnings per Share (EPS) of HAL TRUST (HAL.AS) is expected to decline by -17.37% in the next year.