HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
136.4 EUR
+1.2 (+0.89%)
Overall HAL gets a fundamental rating of 5 out of 10. We evaluated HAL against 50 industry peers in the Financial Services industry. HAL has an excellent profitability rating, but there are some minor concerns on its financial health. HAL may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year HAL was profitable.
In the past year HAL had a positive cash flow from operations.
HAL had positive earnings in each of the past 5 years.
HAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of HAL (6.27%) is better than 86.00% of its industry peers.
HAL has a Return On Equity of 11.44%. This is in the better half of the industry: HAL outperforms 68.00% of its industry peers.
HAL's Return On Invested Capital of 7.40% is fine compared to the rest of the industry. HAL outperforms 72.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HAL is below the industry average of 8.73%.
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)6.82%
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 66.00% of the companies in the same industry.
In the last couple of years the Profit Margin of HAL has declined.
Looking at the Operating Margin, with a value of 15.22%, HAL is in the better half of the industry, outperforming 62.00% of the companies in the same industry.
In the last couple of years the Operating Margin of HAL has grown nicely.
The Gross Margin of HAL (58.42%) is better than 62.00% of its industry peers.
HAL's Gross Margin has declined in the last couple of years.
| 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-5.6%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HAL is still creating some value.
HAL has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, HAL has more shares outstanding
The debt/assets ratio for HAL has been reduced compared to a year ago.
2.2 Solvency
HAL has an Altman-Z score of 1.57. This is a bad value and indicates that HAL is not financially healthy and even has some risk of bankruptcy.
HAL has a Altman-Z score (1.57) which is comparable to the rest of the industry.
HAL has a debt to FCF ratio of 4.10. This is a neutral value as HAL would need 4.10 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.10, HAL is doing good in the industry, outperforming 68.00% of the companies in the same industry.
HAL has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.31, HAL is in line with its industry, outperforming 56.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.57 |
ROIC/WACC1.03
WACC7.19%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HAL should not have too much problems paying its short term obligations.
The Current ratio of HAL (1.48) is comparable to the rest of the industry.
HAL has a Quick Ratio of 1.30. This is a normal value and indicates that HAL is financially healthy and should not expect problems in meeting its short term obligations.
HAL has a Quick ratio (1.30) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 79.49% over the past year.
HAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.47% yearly.
The Revenue has been growing slightly by 4.38% in the past year.
The Revenue has been growing by 19.38% on average over the past years. This is quite good.
EPS 1Y (TTM)79.49%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%100.95%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
3.2 Future
The Earnings Per Share is expected to decrease by -7.61% on average over the next years.
HAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.56% yearly.
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
The EPS growth rate is decreasing: in the next years the growth will be less 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 7.15, the valuation of HAL can be described as very cheap.
Based on the Price/Earnings ratio, HAL is valued cheaply inside the industry as 86.00% of the companies are valued more expensively.
HAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
A Price/Forward Earnings ratio of 9.93 indicates a reasonable valuation of HAL.
72.00% of the companies in the same industry are more expensive than HAL, based on the Price/Forward Earnings ratio.
HAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 9.93 |
4.2 Price Multiples
HAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HAL is cheaper than 82.00% of the companies in the same industry.
72.00% of the companies in the same industry are more expensive than HAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.54 | ||
| EV/EBITDA | 3.21 |
4.3 Compensation for Growth
HAL has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as HAL's earnings are expected to decrease with -7.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.13%, HAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.62, HAL pays a bit more dividend than its industry peers.
HAL's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
5.2 History
The dividend of HAL has a limited annual growth rate of 3.12%.
Dividend Growth(5Y)3.12%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
HAL pays out 15.21% of its income as dividend. This is a sustainable payout ratio.
DP15.21%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
AMS:HAL (10/20/2025, 5:29:41 PM)
136.4
+1.2 (+0.89%)
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 Cap12.33B
Analysts82.86
Price Target162.52 (19.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Yearly Dividend2.85
Dividend Growth(5Y)3.12%
DP15.21%
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)22.7%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.15 | ||
| Fwd PE | 9.93 | ||
| P/S | 0.94 | ||
| P/FCF | 10.54 | ||
| P/OCF | 4.79 | ||
| P/B | 0.82 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | 3.21 |
EPS(TTM)19.08
EY13.99%
EPS(NY)13.74
Fwd EY10.07%
FCF(TTM)12.95
FCFY9.49%
OCF(TTM)28.47
OCFY20.87%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROCE | 9.15% | ||
| ROIC | 7.4% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 10.88% | ||
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% | ||
| FCFM | 8.92% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.82%
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%
ROICexcg growth 3Y18.16%
ROICexcg 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-5.6%
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 | 107.31% | ||
| Cap/Sales | 10.69% | ||
| Interest Coverage | 7.24 | ||
| Cash Conversion | 77.86% | ||
| Profit Quality | 67.88% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 1.57 |
F-Score8
WACC7.19%
ROIC/WACC1.03
Cap/Depr(3y)80.65%
Cap/Depr(5y)93.01%
Cap/Sales(3y)9.49%
Cap/Sales(5y)10.91%
Profit Quality(3y)106.36%
Profit Quality(5y)101.55%
High Growth Momentum
Growth
EPS 1Y (TTM)79.49%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%100.95%
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 1Y39.08%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.74%
EBIT Next 3Y12.47%
EBIT Next 5YN/A
FCF growth 1Y49.45%
FCF growth 3Y19.84%
FCF growth 5Y9.6%
OCF growth 1Y30.75%
OCF growth 3Y20.81%
OCF growth 5Y6.87%