SAF-HOLLAND SE (SFQ.DE) Stock Fundamental Analysis
Europe - FRA:SFQ - DE000SAFH001 - Common Stock
14.3 EUR
+0.18 (+1.27%)
We assign a fundamental rating of 5 out of 10 to SFQ. SFQ was compared to 31 industry peers in the Automobile Components industry. While SFQ belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. SFQ has a valuation in line with the averages, but on the other hand it scores bad on growth. SFQ also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SFQ was profitable.
In the past year SFQ had a positive cash flow from operations.
Each year in the past 5 years SFQ has been profitable.
In the past 5 years SFQ always reported a positive cash flow from operatings.
1.2 Ratios
SFQ's Return On Assets of 3.05% is fine compared to the rest of the industry. SFQ outperforms 74.19% of its industry peers.
With an excellent Return On Equity value of 11.00%, SFQ belongs to the best of the industry, outperforming 83.87% of the companies in the same industry.
With an excellent Return On Invested Capital value of 8.27%, SFQ belongs to the best of the industry, outperforming 80.65% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SFQ is in line with the industry average of 6.79%.
The last Return On Invested Capital (8.27%) for SFQ is above the 3 year average (8.10%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 11% | ||
| ROIC | 8.27% |
ROA(3y)4.47%
ROA(5y)3.7%
ROE(3y)15.18%
ROE(5y)12.02%
ROIC(3y)8.1%
ROIC(5y)6.98%
1.3 Margins
SFQ has a better Profit Margin (2.91%) than 77.42% of its industry peers.
SFQ's Profit Margin has improved in the last couple of years.
SFQ has a Operating Margin of 8.08%. This is amongst the best in the industry. SFQ outperforms 87.10% of its industry peers.
In the last couple of years the Operating Margin of SFQ has grown nicely.
With a Gross Margin value of 22.70%, SFQ perfoms like the industry average, outperforming 41.94% of the companies in the same industry.
In the last couple of years the Gross Margin of SFQ has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.08% | ||
| PM (TTM) | 2.91% | ||
| GM | 22.7% |
OM growth 3Y13.88%
OM growth 5Y11.46%
PM growth 3Y11.83%
PM growth 5Y42.59%
GM growth 3Y9.76%
GM growth 5Y5.87%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SFQ is creating some value.
Compared to 1 year ago, SFQ has about the same amount of shares outstanding.
Compared to 5 years ago, SFQ has about the same amount of shares outstanding.
SFQ has a worse debt/assets ratio than last year.
2.2 Solvency
SFQ has an Altman-Z score of 2.24. This is not the best score and indicates that SFQ is in the grey zone with still only limited risk for bankruptcy at the moment.
SFQ has a Altman-Z score of 2.24. This is in the better half of the industry: SFQ outperforms 77.42% of its industry peers.
SFQ has a debt to FCF ratio of 7.36. This is a slightly negative value and a sign of low solvency as SFQ would need 7.36 years to pay back of all of its debts.
The Debt to FCF ratio of SFQ (7.36) is better than 64.52% of its industry peers.
SFQ has a Debt/Equity ratio of 1.18. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.18, SFQ is in line with its industry, outperforming 41.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | 7.36 | ||
| Altman-Z | 2.24 |
ROIC/WACC1.52
WACC5.45%
2.3 Liquidity
SFQ has a Current Ratio of 1.54. This is a normal value and indicates that SFQ is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of SFQ (1.54) is better than 80.65% of its industry peers.
A Quick Ratio of 0.99 indicates that SFQ may have some problems paying its short term obligations.
SFQ has a Quick ratio of 0.99. This is in the better half of the industry: SFQ outperforms 64.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
SFQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -45.19%.
Measured over the past years, SFQ shows a very strong growth in Earnings Per Share. The EPS has been growing by 55.08% on average per year.
SFQ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.69%.
The Revenue has been growing slightly by 7.88% on average over the past years.
EPS 1Y (TTM)-45.19%
EPS 3Y28.17%
EPS 5Y55.08%
EPS Q2Q%-44.93%
Revenue 1Y (TTM)-15.69%
Revenue growth 3Y14.61%
Revenue growth 5Y7.88%
Sales Q2Q%-12.76%
3.2 Future
Based on estimates for the next years, SFQ will show a small growth in Earnings Per Share. The EPS will grow by 4.98% on average per year.
Based on estimates for the next years, SFQ will show a small growth in Revenue. The Revenue will grow by 4.51% on average per year.
EPS Next Y-12.85%
EPS Next 2Y2.99%
EPS Next 3Y4.98%
EPS Next 5YN/A
Revenue Next Year-3.64%
Revenue Next 2Y1.73%
Revenue Next 3Y3.04%
Revenue Next 5Y4.51%
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
With a Price/Earnings ratio of 12.77, SFQ is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as SFQ.
The average S&P500 Price/Earnings ratio is at 27.77. SFQ is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.91, which indicates a rather cheap valuation of SFQ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SFQ indicates a somewhat cheap valuation: SFQ is cheaper than 77.42% of the companies listed in the same industry.
SFQ is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 5.91 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SFQ is valued a bit more expensive than the industry average as 70.97% of the companies are valued more cheaply.
SFQ's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SFQ is cheaper than 61.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.96 | ||
| EV/EBITDA | 5.12 |
4.3 Compensation for Growth
The excellent profitability rating of SFQ may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y2.99%
EPS Next 3Y4.98%
5. Dividend
5.1 Amount
SFQ has a Yearly Dividend Yield of 5.97%, which is a nice return.
SFQ's Dividend Yield is rather good when compared to the industry average which is at 4.88. SFQ pays more dividend than 96.77% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, SFQ pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.97% |
5.2 History
The dividend of SFQ is nicely growing with an annual growth rate of 13.56%!
Dividend Growth(5Y)13.56%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
75.48% of the earnings are spent on dividend by SFQ. This is not a sustainable payout ratio.
SFQ's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP75.48%
EPS Next 2Y2.99%
EPS Next 3Y4.98%
FRA:SFQ (10/21/2025, 7:00:00 PM)
14.3
+0.18 (+1.27%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupAutomobiles & Components
GICS IndustryAutomobile Components
Earnings (Last)
Earnings (Next)
Inst Owners71.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap649.08M
Analysts80
Price Target20.63 (44.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.97% |
Yearly Dividend0.85
Dividend Growth(5Y)13.56%
DP75.48%
Div Incr Years1
Div Non Decr Years3
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)-3.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.43%
EPS NY rev (3m)-15.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-5.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 5.91 | ||
| P/S | 0.37 | ||
| P/FCF | 5.96 | ||
| P/OCF | 3.85 | ||
| P/B | 1.4 | ||
| P/tB | 12.79 | ||
| EV/EBITDA | 5.12 |
EPS(TTM)1.12
EY7.83%
EPS(NY)2.42
Fwd EY16.91%
FCF(TTM)2.4
FCFY16.78%
OCF(TTM)3.71
OCFY25.97%
SpS38.68
BVpS10.24
TBVpS1.12
PEG (NY)N/A
PEG (5Y)0.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 11% | ||
| ROCE | 12.59% | ||
| ROIC | 8.27% | ||
| ROICexc | 10.48% | ||
| ROICexgc | 19.6% | ||
| OM | 8.08% | ||
| PM (TTM) | 2.91% | ||
| GM | 22.7% | ||
| FCFM | 6.2% |
ROA(3y)4.47%
ROA(5y)3.7%
ROE(3y)15.18%
ROE(5y)12.02%
ROIC(3y)8.1%
ROIC(5y)6.98%
ROICexc(3y)10.45%
ROICexc(5y)8.98%
ROICexgc(3y)17.95%
ROICexgc(5y)15.26%
ROCE(3y)12.33%
ROCE(5y)10.63%
ROICexcg growth 3Y24.17%
ROICexcg growth 5Y7.11%
ROICexc growth 3Y15.88%
ROICexc growth 5Y7.58%
OM growth 3Y13.88%
OM growth 5Y11.46%
PM growth 3Y11.83%
PM growth 5Y42.59%
GM growth 3Y9.76%
GM growth 5Y5.87%
F-Score5
Asset Turnover1.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.18 | ||
| Debt/FCF | 7.36 | ||
| Debt/EBITDA | 2.34 | ||
| Cap/Depr | 65.37% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | 3.7 | ||
| Cash Conversion | 72.29% | ||
| Profit Quality | 213.02% | ||
| Current Ratio | 1.54 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 2.24 |
F-Score5
WACC5.45%
ROIC/WACC1.52
Cap/Depr(3y)74.62%
Cap/Depr(5y)66.51%
Cap/Sales(3y)2.77%
Cap/Sales(5y)2.57%
Profit Quality(3y)184.46%
Profit Quality(5y)283.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-45.19%
EPS 3Y28.17%
EPS 5Y55.08%
EPS Q2Q%-44.93%
EPS Next Y-12.85%
EPS Next 2Y2.99%
EPS Next 3Y4.98%
EPS Next 5YN/A
Revenue 1Y (TTM)-15.69%
Revenue growth 3Y14.61%
Revenue growth 5Y7.88%
Sales Q2Q%-12.76%
Revenue Next Year-3.64%
Revenue Next 2Y1.73%
Revenue Next 3Y3.04%
Revenue Next 5Y4.51%
EBIT growth 1Y-21.3%
EBIT growth 3Y30.52%
EBIT growth 5Y20.24%
EBIT Next Year41.16%
EBIT Next 3Y18.61%
EBIT Next 5YN/A
FCF growth 1Y-21.42%
FCF growth 3Y112.16%
FCF growth 5Y30.69%
OCF growth 1Y-5.44%
OCF growth 3Y71.68%
OCF growth 5Y17.25%