HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
136.2 EUR
+1 (+0.74%)
HAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. HAL scores excellent on profitability, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on HAL.
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.
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
The Return On Assets of HAL (6.27%) is better than 86.00% of its industry peers.
With a decent Return On Equity value of 11.44%, HAL is doing good in the industry, outperforming 68.00% of the companies in the same industry.
The Return On Invested Capital of HAL (7.40%) is better than 72.00% of its industry peers.
HAL had an Average Return On Invested Capital over the past 3 years of 4.86%. This is below the industry average of 8.73%.
The last Return On Invested Capital (7.40%) for HAL is above the 3 year average (4.86%), which is a sign of increasing profitability.
| 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.
HAL's Profit Margin has declined in the last couple of years.
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.
HAL's Gross Margin of 58.42% is fine compared to the rest of the industry. HAL outperforms 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HAL is creating some value.
The number of shares outstanding for HAL remains at a similar level compared to 1 year ago.
HAL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for HAL has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.57, we must say that HAL is in the distress zone and 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.
Looking at the Debt to FCF ratio, with a value of 4.10, HAL is in the better half of 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.
HAL has a Debt to Equity ratio of 0.31. This is comparable to the rest of the industry: HAL outperforms 56.00% of its industry peers.
| 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.
HAL has a Current ratio of 1.48. This is comparable to the rest of the industry: HAL outperforms 54.00% of its industry peers.
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.
With a Quick ratio value of 1.30, HAL perfoms like the industry average, outperforming 48.00% 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 79.49%, which is quite impressive.
HAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.47% yearly.
Looking at the last year, HAL shows a small growth in Revenue. The Revenue has grown by 4.38% in the last year.
HAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.38% yearly.
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.
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
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
A Price/Earnings ratio of 7.14 indicates a rather cheap valuation of HAL.
Based on the Price/Earnings ratio, HAL is valued cheaply inside the industry as 86.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.42, HAL is valued rather cheaply.
A Price/Forward Earnings ratio of 9.92 indicates a reasonable valuation of HAL.
HAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. HAL is cheaper than 72.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.14 | ||
| Fwd PE | 9.92 |
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 82.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than the industry average as 72.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.52 | ||
| EV/EBITDA | 3.21 |
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)0.57
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.13%. Purely for dividend investing, there may be better candidates out there.
HAL's Dividend Yield is a higher than the industry average which is at 3.62.
Compared to an average S&P500 Dividend Yield of 2.36, HAL has a dividend comparable with the average S&P500 company.
| 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
15.21% of the earnings are spent on dividend by HAL. This is a low number and sustainable payout ratio.
DP15.21%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
AMS:HAL (10/20/2025, 11:57:15 AM)
136.2
+1 (+0.74%)
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 Cap12.31B
Analysts82.86
Price Target162.52 (19.32%)
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 | 7.14 | ||
| Fwd PE | 9.92 | ||
| P/S | 0.94 | ||
| P/FCF | 10.52 | ||
| P/OCF | 4.78 | ||
| P/B | 0.82 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | 3.21 |
EPS(TTM)19.08
EY14.01%
EPS(NY)13.74
Fwd EY10.09%
FCF(TTM)12.95
FCFY9.5%
OCF(TTM)28.47
OCFY20.9%
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%