HAL TRUST (HAL.AS) Stock Fundamental Analysis
AMS:HAL - Euronext Amsterdam - BMG455841020 - Common Stock - Currency: EUR
HAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years HAL had a positive operating cash flow.
1.2 Ratios
HAL has a better Return On Assets (4.42%) than 66.67% of its industry peers.
With a Return On Equity value of 8.19%, HAL perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
HAL has a better Return On Invested Capital (5.74%) than 60.78% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HAL is below the industry average of 9.04%.
The 3 year average ROIC (4.86%) for HAL is below the current ROIC(5.74%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 8.19% | ||
| ROIC | 5.74% |
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 (9.63%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of HAL has declined.
The Operating Margin of HAL (12.03%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of HAL has grown nicely.
HAL has a Gross Margin (55.45%) 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 | 12.03% | ||
| PM (TTM) | 9.63% | ||
| GM | 55.45% |
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
HAL has an Altman-Z score of 1.40. 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 of 1.40. This is comparable to the rest of the industry: HAL outperforms 45.10% of its industry peers.
The Debt to FCF ratio of HAL is 3.70, which is a good value as it means it would take HAL, 3.70 years of fcf income to pay off all of its debts.
HAL has a better Debt to FCF ratio (3.70) than 72.55% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that HAL is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.28, HAL is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 3.7 | ||
| Altman-Z | 1.4 |
ROIC/WACC0.73
WACC7.91%
2.3 Liquidity
A Current Ratio of 1.37 indicates that HAL should not have too much problems paying its short term obligations.
HAL's Current ratio of 1.37 is fine compared to the rest of the industry. HAL outperforms 68.63% of its industry peers.
HAL has a Quick Ratio of 1.19. 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 Quick ratio (1.19) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.37 | ||
| Quick Ratio | 1.19 |
3. Growth
3.1 Past
HAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.63%, which is quite good.
The Earnings Per Share has been growing by 12.47% on average over the past years. This is quite good.
HAL shows a decrease in Revenue. In the last year, the revenue decreased by -0.60%.
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)19.63%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%55.23%
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%-0.03%
3.2 Future
HAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.33% yearly.
HAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.37% yearly.
EPS Next Y-18.61%
EPS Next 2Y-6.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.9%
Revenue Next 2Y4.37%
Revenue Next 3YN/A
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.
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
HAL is valuated reasonably with a Price/Earnings ratio of 9.19.
76.47% of the companies in the same industry are more expensive than HAL, based on the Price/Earnings ratio.
HAL is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.41, the valuation of HAL can be described as very reasonable.
HAL's Price/Forward Earnings ratio is rather cheap when compared to the industry. HAL is cheaper than 80.39% of the companies in the same industry.
HAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 8.41 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 80.39% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, HAL is valued cheaper than 82.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.53 | ||
| EV/EBITDA | 3.3 |
4.3 Compensation for Growth
HAL's earnings are expected to decrease with -6.33% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y-6.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.93, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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 21.29% of its income as dividend. This is a sustainable payout ratio.
DP21.29%
EPS Next 2Y-6.33%
EPS Next 3YN/A
AMS:HAL (7/11/2025, 7:00:00 PM)
123
+0.2 (+0.16%)
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 Cap11.12B
Analysts80
Price Target147.56 (19.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
Yearly Dividend2.85
Dividend Growth(5Y)3.12%
DP21.29%
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)2.97%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 8.41 | ||
| P/S | 0.88 | ||
| P/FCF | 8.53 | ||
| P/OCF | 4.24 | ||
| P/B | 0.75 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | 3.3 |
EPS(TTM)13.39
EY10.89%
EPS(NY)14.62
Fwd EY11.89%
FCF(TTM)14.42
FCFY11.73%
OCF(TTM)29.04
OCFY23.61%
SpS139.04
BVpS163.51
TBVpS124.05
PEG (NY)N/A
PEG (5Y)0.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 8.19% | ||
| ROCE | 7.02% | ||
| ROIC | 5.74% | ||
| ROICexc | 7.14% | ||
| ROICexgc | 8.93% | ||
| OM | 12.03% | ||
| PM (TTM) | 9.63% | ||
| GM | 55.45% | ||
| FCFM | 10.37% |
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-Score6
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 3.7 | ||
| Debt/EBITDA | 1.48 | ||
| Cap/Depr | 101.01% | ||
| Cap/Sales | 10.51% | ||
| Interest Coverage | 7.57 | ||
| Cash Conversion | 93.08% | ||
| Profit Quality | 107.75% | ||
| Current Ratio | 1.37 | ||
| Quick Ratio | 1.19 | ||
| Altman-Z | 1.4 |
F-Score6
WACC7.91%
ROIC/WACC0.73
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)19.63%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%55.23%
EPS Next Y-18.61%
EPS Next 2Y-6.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%-0.03%
Revenue Next Year4.9%
Revenue Next 2Y4.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.36%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year34.17%
EBIT Next 3Y11.91%
EBIT Next 5YN/A
FCF growth 1Y3.77%
FCF growth 3Y19.84%
FCF growth 5Y9.6%
OCF growth 1Y8.66%
OCF growth 3Y20.81%
OCF growth 5Y6.87%