HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
137.8 EUR
0 (0%)
Overall HAL gets a fundamental rating of 5 out of 10. We evaluated HAL against 57 industry peers in the Financial Services industry. Both the profitability and the financial health of HAL get a neutral evaluation. Nothing too spectacular is happening here. HAL is valued quite cheap, while showing a decent growth score. This is a good combination! This makes HAL very considerable for value investing!
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.
Each year in the past 5 years HAL has been profitable.
HAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 6.27%, HAL belongs to the best of the industry, outperforming 82.46% of the companies in the same industry.
HAL's Return On Equity of 11.44% is fine compared to the rest of the industry. HAL outperforms 64.91% of its industry peers.
HAL's Return On Invested Capital of 7.40% is fine compared to the rest of the industry. HAL outperforms 68.42% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HAL is significantly below the industry average of 11.23%.
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)6.83%
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 line with its industry, outperforming 57.89% of the companies in the same industry.
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 56.14% of its industry peers.
HAL's Operating Margin has improved in the last couple of years.
HAL has a Gross Margin (58.42%) which is in line with 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-5.59%
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.
Compared to 1 year ago, HAL has less shares outstanding
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 1.58, we must say that HAL is in the distress zone and has some risk of bankruptcy.
HAL has a Altman-Z score (1.58) which is comparable to the rest of the industry.
The Debt to FCF ratio of HAL is 4.10, which is a neutral value as it means it would take HAL, 4.10 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 4.10, HAL is doing good in the industry, outperforming 68.42% 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 better Debt to Equity ratio (0.31) than 63.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.58 |
ROIC/WACC1.01
WACC7.33%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HAL should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.48, HAL is doing good in the industry, outperforming 61.40% of the companies in the same industry.
A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.30, HAL perfoms like the industry average, outperforming 54.39% of the companies in the same 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 80.06% over the past year.
Measured over the past years, HAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.56% on average per year.
HAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.38%.
The Revenue has been growing by 19.38% on average over the past years. This is quite good.
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
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 -8.99% on average per year.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 3.32% on average per year.
EPS Next Y-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
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 cheaply with a Price/Earnings ratio of 7.20.
HAL's Price/Earnings ratio is rather cheap when compared to the industry. HAL is cheaper than 85.96% of the companies in the same industry.
HAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.43.
A Price/Forward Earnings ratio of 9.31 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 70.18% of the companies in the same industry.
HAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.66, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HAL is valued cheaply inside the industry as 84.21% 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 68.42% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.64 | ||
| EV/EBITDA | 3.28 |
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 -8.99% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.09%.
Compared to an average industry Dividend Yield of 1.97, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
5.2 History
The dividend of HAL has a limited annual growth rate of 3.20%.
Dividend Growth(5Y)3.2%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
15.23% of the earnings are spent on dividend by HAL. This is a low number and sustainable payout ratio.
DP15.23%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
AMS:HAL (12/17/2025, 10:28:00 AM)
137.8
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.27%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.45B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target167.28 (21.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
Yearly Dividend2.86
Dividend Growth(5Y)3.2%
DP15.23%
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)2.93%
PT rev (3m)2.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.41%
EPS NY rev (3m)23.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 9.31 | ||
| P/S | 0.95 | ||
| P/FCF | 10.64 | ||
| P/OCF | 4.84 | ||
| P/B | 0.83 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 3.28 |
EPS(TTM)19.14
EY13.89%
EPS(NY)14.81
Fwd EY10.74%
FCF(TTM)12.95
FCFY9.4%
OCF(TTM)28.47
OCFY20.66%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.57
Graham Number267.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROCE | 9.15% | ||
| ROIC | 7.4% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 10.89% | ||
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% | ||
| FCFM | 8.92% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.83%
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 3Y18.15%
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-5.59%
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 | 107.27% | ||
| Cap/Sales | 10.69% | ||
| Interest Coverage | 7.24 | ||
| Cash Conversion | 77.86% | ||
| Profit Quality | 67.89% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 1.58 |
F-Score8
WACC7.33%
ROIC/WACC1.01
Cap/Depr(3y)80.63%
Cap/Depr(5y)93%
Cap/Sales(3y)9.49%
Cap/Sales(5y)10.9%
Profit Quality(3y)106.37%
Profit Quality(5y)101.55%
High Growth Momentum
Growth
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
EPS Next Y-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y39.07%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.7%
EBIT Next 3Y10.87%
EBIT Next 5YN/A
FCF growth 1Y49.51%
FCF growth 3Y19.86%
FCF growth 5Y9.61%
OCF growth 1Y30.76%
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 5 / 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 -17.03% in the next year.