KBC ANCORA (KBCA.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:KBCA - BE0003867844 - Common Stock
73.2 EUR
-0.1 (-0.14%)
KBCA gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 113 industry peers in the Banks industry. KBCA gets an excellent profitability rating and is at the same time showing great financial health properties. KBCA has a decent growth rate and is not valued too expensively. These ratings could make KBCA a good candidate for quality investing.
1. Profitability
1.1 Basic Checks
KBCA had positive earnings in the past year.
KBCA had a positive operating cash flow in the past year.
Each year in the past 5 years KBCA has been profitable.
In the past 5 years KBCA always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.71%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
KBCA's Return On Equity of 8.95% is on the low side compared to the rest of the industry. KBCA is outperformed by 61.06% of its industry peers.
KBCA's Return On Invested Capital of 6.53% is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.71% | ||
| ROE | 8.95% | ||
| ROIC | 6.53% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 97.83%, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
KBCA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 97.83%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
KBCA's Operating Margin has improved in the last couple of years.
KBCA's Gross Margin of 98.66% is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
KBCA's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 97.83% | ||
| PM (TTM) | 97.83% | ||
| GM | 98.66% |
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
2. Health
2.1 Basic Checks
The number of shares outstanding for KBCA remains at a similar level compared to 1 year ago.
The number of shares outstanding for KBCA has been reduced compared to 5 years ago.
KBCA has a better debt/assets ratio than last year.
2.2 Solvency
KBCA has an Altman-Z score of 34.06. This indicates that KBCA is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 34.06, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Debt to FCF ratio of KBCA is 0.31, which is an excellent value as it means it would take KBCA, only 0.31 years of fcf income to pay off all of its debts.
KBCA has a Debt to FCF ratio of 0.31. This is amongst the best in the industry. KBCA outperforms 99.11% of its industry peers.
KBCA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.03, KBCA belongs to the top of the industry, outperforming 94.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.31 | ||
| Altman-Z | 34.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
KBCA has a Current Ratio of 52.73. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 52.73, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
KBCA has a Quick Ratio of 52.73. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 52.73, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 52.73 | ||
| Quick Ratio | 52.73 |
3. Growth
3.1 Past
KBCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.41%.
KBCA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.36% yearly.
The Revenue for KBCA has decreased by -14.55% in the past year. This is quite bad
Measured over the past years, KBCA shows a very strong growth in Revenue. The Revenue has been growing by 33.02% on average per year.
EPS 1Y (TTM)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%
3.2 Future
The Earnings Per Share is expected to grow by 11.59% on average over the next years. This is quite good.
Based on estimates for the next years, KBCA will show a quite strong growth in Revenue. The Revenue will grow by 10.99% on average per year.
EPS Next Y11.37%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EPS Next 5YN/A
Revenue Next Year11.26%
Revenue Next 2Y10.32%
Revenue Next 3Y10.99%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.85, the valuation of KBCA can be described as rather expensive.
Based on the Price/Earnings ratio, KBCA is valued expensively inside the industry as 88.50% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of KBCA to the average of the S&P500 Index (26.29), we can say KBCA is valued slightly cheaper.
KBCA is valuated correctly with a Price/Forward Earnings ratio of 13.57.
78.76% of the companies in the same industry are cheaper than KBCA, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.51. KBCA is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.85 | ||
| Fwd PE | 13.57 |
4.2 Price Multiples
64.60% of the companies in the same industry are more expensive than KBCA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
KBCA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.57
PEG (5Y)0.45
EPS Next 2Y10.88%
EPS Next 3Y11.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.44%, KBCA has a reasonable but not impressive dividend return.
KBCA's Dividend Yield is comparable with the industry average which is at 4.84.
Compared to an average S&P500 Dividend Yield of 2.31, KBCA pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
5.2 History
The dividend of KBCA is nicely growing with an annual growth rate of 6.08%!
Dividend Growth(5Y)6.08%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
KBCA pays out 85.44% of its income as dividend. This is not a sustainable payout ratio.
The dividend of KBCA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP85.44%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EBR:KBCA (12/10/2025, 3:56:21 PM)
73.2
-0.1 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners10.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.64B
Revenue(TTM)323.00M
Net Income(TTM)316.00M
Analysts82.86
Price Target86.7 (18.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
Yearly Dividend3.51
Dividend Growth(5Y)6.08%
DP85.44%
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)41.67%
PT rev (3m)41.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)14.25%
EPS NY rev (3m)14.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)14.01%
Revenue NY rev (3m)14.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.85 | ||
| Fwd PE | 13.57 | ||
| P/S | 17.45 | ||
| P/FCF | 17.67 | ||
| P/OCF | 17.67 | ||
| P/B | 1.6 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.1
EY5.6%
EPS(NY)5.4
Fwd EY7.37%
FCF(TTM)4.14
FCFY5.66%
OCF(TTM)4.14
OCFY5.66%
SpS4.19
BVpS45.81
TBVpS45.81
PEG (NY)1.57
PEG (5Y)0.45
Graham Number65.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.71% | ||
| ROE | 8.95% | ||
| ROCE | 8.71% | ||
| ROIC | 6.53% | ||
| ROICexc | 6.53% | ||
| ROICexgc | 6.53% | ||
| OM | 97.83% | ||
| PM (TTM) | 97.83% | ||
| GM | 98.66% | ||
| FCFM | 98.76% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-27.06%
ROICexgc growth 5Y34.51%
ROICexc growth 3Y-27.06%
ROICexc growth 5Y34.51%
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 77.07 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.95% | ||
| Current Ratio | 52.73 | ||
| Quick Ratio | 52.73 | ||
| Altman-Z | 34.06 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
EPS Next Y11.37%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%
Revenue Next Year11.26%
Revenue Next 2Y10.32%
Revenue Next 3Y10.99%
Revenue Next 5YN/A
EBIT growth 1Y-14.13%
EBIT growth 3Y-26.86%
EBIT growth 5Y38.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-15.83%
FCF growth 3Y-26.92%
FCF growth 5Y39.26%
OCF growth 1Y-15.83%
OCF growth 3Y-26.92%
OCF growth 5Y39.26%
KBC ANCORA / KBCA.BR FAQ
Can you provide the ChartMill fundamental rating for KBC ANCORA?
ChartMill assigns a fundamental rating of 7 / 10 to KBCA.BR.
What is the valuation status for KBCA stock?
ChartMill assigns a valuation rating of 4 / 10 to KBC ANCORA (KBCA.BR). This can be considered as Fairly Valued.
Can you provide the profitability details for KBC ANCORA?
KBC ANCORA (KBCA.BR) has a profitability rating of 8 / 10.
How financially healthy is KBC ANCORA?
The financial health rating of KBC ANCORA (KBCA.BR) is 9 / 10.
Is the dividend of KBC ANCORA sustainable?
The dividend rating of KBC ANCORA (KBCA.BR) is 4 / 10 and the dividend payout ratio is 85.44%.