HAL TRUST (HAL.AS) Stock Fundamental Analysis
AMS:HAL - BMG455841020 - Common Stock
144.3 EUR
-0.3 (-0.21%)
We assign a fundamental rating of 5 out of 10 to HAL. HAL was compared to 46 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
HAL had positive earnings in the past year.
HAL had a positive operating cash flow in the past year.
In the past 5 years HAL has always been profitable.
In the past 5 years HAL always reported a positive cash flow from operatings.
1.2 Ratios
HAL has a better Return On Assets (6.27%) than 78.26% of its industry peers.
With a Return On Equity value of 11.44%, HAL perfoms like the industry average, outperforming 58.70% of the companies in the same industry.
HAL has a Return On Invested Capital of 7.40%. This is in the better half of the industry: HAL outperforms 65.22% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HAL is significantly below the industry average of 10.94%.
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
HAL has a Profit Margin (13.14%) which is in line with its industry peers.
HAL's Profit Margin has declined in the last couple of years.
HAL has a Operating Margin of 15.22%. This is comparable to the rest of the industry: HAL outperforms 52.17% of its industry peers.
In the last couple of years the Operating Margin of HAL has grown nicely.
HAL has a Gross Margin (58.42%) which is comparable to the rest of the industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HAL is destroying 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
HAL has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.61, we must say that HAL is in the distress zone and has some risk of bankruptcy.
HAL has a Altman-Z score of 1.61. This is comparable to the rest of the industry: HAL outperforms 54.35% of its industry peers.
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.
HAL's Debt to FCF ratio of 4.10 is fine compared to the rest of the industry. HAL outperforms 71.74% of its industry peers.
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 the better half of the industry, outperforming 60.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.61 |
ROIC/WACC0.96
WACC7.7%
2.3 Liquidity
HAL has a Current Ratio of 1.48. 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 better Current ratio (1.48) than 65.22% of its industry peers.
A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
HAL has a Quick ratio of 1.30. This is comparable to the rest of the industry: HAL outperforms 54.35% of its industry peers.
| 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 79.49%, which is quite impressive.
Measured over the past years, HAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.47% on average per year.
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)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
Based on estimates for the next years, HAL will show a decrease in Earnings Per Share. The EPS will decrease by -8.83% on average per year.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 3.44% on average per year.
EPS Next Y-32.66%
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
EPS Next 5YN/A
Revenue Next Year3.59%
Revenue Next 2Y3.69%
Revenue Next 3Y3.44%
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
With a Price/Earnings ratio of 7.56, the valuation of HAL can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 80.43% of the companies listed in the same industry.
HAL is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.91, the valuation of HAL can be described as very reasonable.
HAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HAL is cheaper than 67.39% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.54. HAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HAL is valued a bit cheaper than the industry average as 78.26% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAL indicates a somewhat cheap valuation: HAL is cheaper than 76.09% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.15 | ||
| EV/EBITDA | 3.46 |
4.3 Compensation for Growth
A cheap valuation may be justified as HAL's earnings are expected to decrease with -8.83% in the coming years.
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.52, HAL has a dividend in line with its industry peers.
HAL's Dividend Yield is comparable with the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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-14.19%
EPS Next 3Y-8.83%
AMS:HAL (9/11/2025, 5:29:51 PM)
144.3
-0.3 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.17%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.04B
Analysts82.86
Price Target162.52 (12.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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)10.14%
PT rev (3m)10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-17.27%
EPS NY rev (3m)-17.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 10.91 | ||
| P/S | 0.99 | ||
| P/FCF | 11.15 | ||
| P/OCF | 5.07 | ||
| P/B | 0.87 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | 3.46 |
EPS(TTM)19.08
EY13.22%
EPS(NY)13.23
Fwd EY9.17%
FCF(TTM)12.95
FCFY8.97%
OCF(TTM)28.47
OCFY19.73%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.61
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 | 1.61 |
F-Score8
WACC7.7%
ROIC/WACC0.96
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-32.66%
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year3.59%
Revenue Next 2Y3.69%
Revenue Next 3Y3.44%
Revenue Next 5YN/A
EBIT growth 1Y39.08%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year34.17%
EBIT Next 3Y11.91%
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%