HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
136.2 EUR
-1.2 (-0.87%)
We assign a fundamental rating of 5 out of 10 to HAL. HAL was compared to 51 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
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 86.27% of the companies in the same industry.
HAL has a Return On Equity of 11.44%. This is in the better half of the industry: HAL outperforms 68.63% of its industry peers.
HAL has a Return On Invested Capital of 7.40%. This is in the better half of the industry: HAL outperforms 68.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HAL is significantly below the industry average of 10.03%.
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 64.71% of the companies in the same industry.
HAL's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 15.22%, HAL perfoms like the industry average, outperforming 58.82% of the companies in the same industry.
HAL's Operating Margin has improved in the last couple of years.
HAL's Gross Margin of 58.42% is in line compared to the rest of the industry. HAL outperforms 58.82% of its industry peers.
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-5.6%
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 about the same amout of shares outstanding than it did 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
HAL has an Altman-Z score of 1.58. 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 1.58. This is comparable to the rest of the industry: HAL outperforms 47.06% 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 has a Debt to FCF ratio of 4.10. This is in the better half of the industry: HAL outperforms 66.67% 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 line with its industry, outperforming 58.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.58 |
ROIC/WACC1.03
WACC7.17%
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 (1.48) which is in line with 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.
The Quick ratio of HAL (1.30) 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.
Looking at the last year, HAL shows a small growth in Revenue. The Revenue has grown by 4.38% in the last 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.
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.
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
The Price/Earnings ratio is 7.14, which indicates a rather cheap valuation of HAL.
86.27% of the companies in the same industry are more expensive than HAL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HAL to the average of the S&P500 Index (26.76), we can say HAL is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.92, the valuation of HAL can be described as very reasonable.
70.59% of the companies in the same industry are more expensive than HAL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.14 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HAL is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.52 | ||
| EV/EBITDA | 3.27 |
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 2.10%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, HAL pays a bit more dividend than its industry peers.
HAL's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
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 (10/29/2025, 5:29:57 PM)
136.2
-1.2 (-0.87%)
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
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target162.52 (19.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
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)0%
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 | 3.27 |
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
Graham Number267.52
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%
ROICexgc growth 3Y18.16%
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-5.6%
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 | 1.58 |
F-Score8
WACC7.17%
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%
HAL TRUST / HAL.AS FAQ
Can you provide the ChartMill fundamental rating for HAL TRUST?
ChartMill assigns a fundamental rating of 5 / 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 6 / 10.
Can you provide the financial health for HAL stock?
The financial health rating of HAL TRUST (HAL.AS) is 4 / 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.