Overall NATL gets a fundamental rating of 4 out of 10. We evaluated NATL against 97 industry peers in the Financial Services industry. While NATL is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on NATL.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year NATL was profitable.
NATL had a positive operating cash flow in the past year.
Of the past 5 years NATL 4 years were profitable.
Each year in the past 5 years NATL had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 2.51%, NATL is doing good in the industry, outperforming 68.04% of the companies in the same industry.
The Return On Equity of NATL (43.03%) is better than 94.85% of its industry peers.
Looking at the Return On Invested Capital, with a value of 11.63%, NATL belongs to the top of the industry, outperforming 87.63% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for NATL is in line with the industry average of 8.44%.
The last Return On Invested Capital (11.63%) for NATL is above the 3 year average (7.73%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	2.51%
ROE	43.03%
ROIC	11.63%

ROA(3y)0.39%

ROA(5y)N/A

ROE(3y)-5.39%

ROE(5y)N/A

ROIC(3y)7.73%

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 2.68%, NATL is not doing good in the industry: 65.98% of the companies in the same industry are doing better.
NATL's Profit Margin has declined in the last couple of years.
NATL has a Operating Margin of 10.76%. This is comparable to the rest of the industry: NATL outperforms 42.27% of its industry peers.
In the last couple of years the Operating Margin of NATL has grown nicely.
NATL has a Gross Margin (24.33%) which is in line with its industry peers.
NATL's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	10.76%
PM (TTM)	2.68%
GM	24.33%

OM growth 3Y5.46%

OM growth 5YN/A

PM growth 3Y-26.18%

PM growth 5YN/A

GM growth 3Y-1.62%

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NATL is creating value.
The number of shares outstanding for NATL has been increased compared to 1 year ago.
Compared to 1 year ago, NATL has a worse debt to assets ratio.

2.2 Solvency

NATL has an Altman-Z score of 1.66. This is a bad value and indicates that NATL is not financially healthy and even has some risk of bankruptcy.
NATL has a Altman-Z score of 1.66. This is in the better half of the industry: NATL outperforms 69.07% of its industry peers.
The Debt to FCF ratio of NATL is 52.16, which is on the high side as it means it would take NATL, 52.16 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 52.16, NATL is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
NATL has a Debt/Equity ratio of 8.45. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 8.45, NATL is not doing good in the industry: 84.54% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	8.45
Debt/FCF	52.16
Altman-Z	1.66

ROIC/WACC1.89

WACC6.16%

2.3 Liquidity

A Current Ratio of 1.02 indicates that NATL should not have too much problems paying its short term obligations.
NATL has a Current ratio (1.02) which is comparable to the rest of the industry.
A Quick Ratio of 0.80 indicates that NATL may have some problems paying its short term obligations.
NATL's Quick ratio of 0.80 is in line compared to the rest of the industry. NATL outperforms 44.33% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.02
Quick Ratio	0.8

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 34.64% over the past year.
Measured over the past years, NATL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -22.55% on average per year.
NATL shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.82%.
The Revenue has been growing slightly by 6.75% on average over the past years.

EPS 1Y (TTM)34.64%

EPS 3Y-22.55%

EPS 5YN/A

EPS Q2Q%22.47%

Revenue 1Y (TTM)22.82%

Revenue growth 3Y6.75%

Revenue growth 5YN/A

Sales Q2Q%3.99%

3.2 Future

The Earnings Per Share is expected to grow by 23.46% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 3.13% on average over the next years.

EPS Next Y27.11%

EPS Next 2Y24.75%

EPS Next 3Y23.46%

EPS Next 5YN/A

Revenue Next Year0.93%

Revenue Next 2Y2.44%

Revenue Next 3Y3.13%

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 accelerating.
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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.98 indicates a reasonable valuation of NATL.
Based on the Price/Earnings ratio, NATL is valued a bit cheaper than 64.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.21, NATL is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.51, the valuation of NATL can be described as very cheap.
Based on the Price/Forward Earnings ratio, NATL is valued a bit cheaper than the industry average as 73.20% of the companies are valued more expensively.
NATL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.

		Industry Rank	Sector Rank
PE	9.98
Fwd PE	7.51

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, NATL is valued cheaply inside the industry as 87.63% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, NATL is valued a bit more expensive than the industry average as 60.82% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	50.56
EV/EBITDA	6.17

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of NATL may justify a higher PE ratio.
NATL's earnings are expected to grow with 23.46% in the coming years. This may justify a more expensive valuation.