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TRIODOS BANK NV (TRIO.AS) Stock Fundamental Analysis

Europe - Euronext Amsterdam - AMS:TRIO - NL0010407946

29.75 EUR
-0.25 (-0.83%)
Last: 1/13/2026, 7:00:00 PM
Fundamental Rating

2

Overall TRIO gets a fundamental rating of 2 out of 10. We evaluated TRIO against 118 industry peers in the Banks industry. TRIO may be in some trouble as it scores bad on both profitability and health. TRIO is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

TRIO had negative earnings in the past year.
In the past year TRIO has reported a negative cash flow from operations.
Of the past 5 years TRIO 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: TRIO reported negative operating cash flow in multiple years.
TRIO.AS Yearly Net Income VS EBIT VS OCF VS FCFTRIO.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B

1.2 Ratios

TRIO's Return On Assets of -0.13% is on the low side compared to the rest of the industry. TRIO is outperformed by 96.61% of its industry peers.
TRIO has a Return On Equity of -1.78%. This is amonst the worse of the industry: TRIO underperforms 96.61% of its industry peers.
Industry RankSector Rank
ROA -0.13%
ROE -1.78%
ROIC N/A
ROA(3y)0.26%
ROA(5y)0.26%
ROE(3y)3.24%
ROE(5y)3.2%
ROIC(3y)N/A
ROIC(5y)N/A
TRIO.AS Yearly ROA, ROE, ROICTRIO.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 2 4

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for TRIO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TRIO.AS Yearly Profit, Operating, Gross MarginsTRIO.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 5 10 15

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for TRIO remains at a similar level compared to 1 year ago.
The number of shares outstanding for TRIO has been increased compared to 5 years ago.
TRIO has a worse debt/assets ratio than last year.
TRIO.AS Yearly Shares OutstandingTRIO.AS Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 5M 10M
TRIO.AS Yearly Total Debt VS Total AssetsTRIO.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

TRIO has a Debt/Equity ratio of 0.50. This is a neutral value indicating TRIO is somewhat dependend on debt financing.
TRIO has a better Debt to Equity ratio (0.50) than 84.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
TRIO.AS Yearly LT Debt VS Equity VS FCFTRIO.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TRIO.AS Yearly Current Assets VS Current LiabilitesTRIO.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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3

3. Growth

3.1 Past

TRIO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -128.31%.
The Revenue has decreased by -4.82% in the past year.
Measured over the past years, TRIO shows a quite strong growth in Revenue. The Revenue has been growing by 9.82% on average per year.
EPS 1Y (TTM)-128.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-52.94%
Revenue 1Y (TTM)-4.82%
Revenue growth 3Y10.67%
Revenue growth 5Y9.82%
Sales Q2Q%-6.59%

3.2 Future

Based on estimates for the next years, TRIO will show a very strong growth in Earnings Per Share. The EPS will grow by 127.12% on average per year.
The Revenue is expected to decrease by -0.10% on average over the next years.
EPS Next Y1874.46%
EPS Next 2Y383.51%
EPS Next 3Y184.1%
EPS Next 5Y127.12%
Revenue Next Year-2.82%
Revenue Next 2Y-1.19%
Revenue Next 3Y-0.65%
Revenue Next 5Y-0.1%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
TRIO.AS Yearly Revenue VS EstimatesTRIO.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
TRIO.AS Yearly EPS VS EstimatesTRIO.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for TRIO. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 6.63, the valuation of TRIO can be described as very cheap.
Based on the Price/Forward Earnings ratio, TRIO is valued cheaper than 96.61% of the companies in the same industry.
TRIO is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 6.63
TRIO.AS Price Earnings VS Forward Price EarningsTRIO.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TRIO.AS Per share dataTRIO.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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.
A more expensive valuation may be justified as TRIO's earnings are expected to grow with 184.10% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y383.51%
EPS Next 3Y184.1%

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0

5. Dividend

5.1 Amount

No dividends for TRIO!.
Industry RankSector Rank
Dividend Yield 0%

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TRIODOS BANK NV

AMS:TRIO (1/13/2026, 7:00:00 PM)

29.75

-0.25 (-0.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap0
Revenue(TTM)462.91M
Net Income(TTM)-22.15M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.63
P/S 0.91
P/FCF N/A
P/OCF N/A
P/B 0.34
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)-1.56
EYN/A
EPS(NY)4.49
Fwd EY15.09%
FCF(TTM)-18.17
FCFYN/A
OCF(TTM)-16.9
OCFYN/A
SpS32.61
BVpS87.44
TBVpS84.21
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.13%
ROE -1.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.26%
ROA(5y)0.26%
ROE(3y)3.24%
ROE(5y)3.2%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 69.53%
Cap/Sales 3.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.82%
Cap/Depr(5y)72.44%
Cap/Sales(3y)4.33%
Cap/Sales(5y)4.69%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-128.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-52.94%
EPS Next Y1874.46%
EPS Next 2Y383.51%
EPS Next 3Y184.1%
EPS Next 5Y127.12%
Revenue 1Y (TTM)-4.82%
Revenue growth 3Y10.67%
Revenue growth 5Y9.82%
Sales Q2Q%-6.59%
Revenue Next Year-2.82%
Revenue Next 2Y-1.19%
Revenue Next 3Y-0.65%
Revenue Next 5Y-0.1%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-8.9%
OCF growth 3YN/A
OCF growth 5YN/A

TRIODOS BANK NV / TRIO.AS FAQ

What is the fundamental rating for TRIO stock?

ChartMill assigns a fundamental rating of 2 / 10 to TRIO.AS.


Can you provide the valuation status for TRIODOS BANK NV?

ChartMill assigns a valuation rating of 4 / 10 to TRIODOS BANK NV (TRIO.AS). This can be considered as Fairly Valued.


Can you provide the profitability details for TRIODOS BANK NV?

TRIODOS BANK NV (TRIO.AS) has a profitability rating of 1 / 10.


How financially healthy is TRIODOS BANK NV?

The financial health rating of TRIODOS BANK NV (TRIO.AS) is 1 / 10.