TRIODOS BANK NV (TRIO.AS) Fundamental Analysis & Valuation

AMS:TRIO • NL0010407946

Current stock price

28.4 EUR
-0.1 (-0.35%)
Last:

This TRIO.AS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. TRIO.AS Profitability Analysis

1.1 Basic Checks

  • In the past year TRIO has reported negative net income.
  • TRIO had a positive operating cash flow in the past year.
  • In multiple years TRIO reported negative net income over the last 5 years.
  • 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 2025 0 500M -500M 1B -1B -1.5B

1.2 Ratios

  • The Return On Assets of TRIO (-0.14%) is worse than 96.23% of its industry peers.
  • TRIO's Return On Equity of -2.10% is on the low side compared to the rest of the industry. TRIO is outperformed by 96.23% of its industry peers.
Industry RankSector Rank
ROA -0.14%
ROE -2.1%
ROIC N/A
ROA(3y)0.11%
ROA(5y)0.19%
ROE(3y)1.21%
ROE(5y)2.33%
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 2025 0 2 -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 2025 0 5 -5 10 15

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3

2. TRIO.AS Health Analysis

2.1 Basic Checks

  • TRIO has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for TRIO remains at a similar level 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 2025 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 2025 5B 10B 15B

2.2 Solvency

  • TRIO has a debt to FCF ratio of 4.66. This is a neutral value as TRIO would need 4.66 years to pay back of all of its debts.
  • TRIO's Debt to FCF ratio of 4.66 is amongst the best of the industry. TRIO outperforms 88.68% of its industry peers.
  • A Debt/Equity ratio of 0.77 indicates that TRIO is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.77, TRIO is in the better half of the industry, outperforming 78.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 4.66
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 2025 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 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TRIO.AS Growth Analysis

3.1 Past

  • The earnings per share for TRIO have decreased strongly by -739.67% in the last year.
  • The Revenue has decreased by -5.03% in the past year.
  • The Revenue has been growing slightly by 7.71% on average over the past years.
EPS 1Y (TTM)-739.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.37%
Revenue 1Y (TTM)-5.03%
Revenue growth 3Y5.23%
Revenue growth 5Y7.71%
Sales Q2Q%-3.45%

3.2 Future

  • TRIO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 192.09% yearly.
  • Based on estimates for the next years, TRIO will show a small growth in Revenue. The Revenue will grow by 1.94% on average per year.
EPS Next Y2018.07%
EPS Next 2Y389.73%
EPS Next 3Y192.09%
EPS Next 5YN/A
Revenue Next Year3.4%
Revenue Next 2Y3.51%
Revenue Next 3Y1.94%
Revenue Next 5YN/A

3.3 Evolution

  • 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.
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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6

4. TRIO.AS Valuation Analysis

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 6.47, the valuation of TRIO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, TRIO is valued cheaply inside the industry as 97.17% of the companies are valued more expensively.
  • TRIO is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 6.47
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

  • TRIO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TRIO is cheaper than 93.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.04
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

  • TRIO's 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 192.09% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y389.73%
EPS Next 3Y192.09%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TRIO.AS Dividend Analysis

5.1 Amount

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

More info and screens

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TRIO.AS Fundamentals: All Metrics, Ratios and Statistics

TRIODOS BANK NV

AMS:TRIO (4/10/2026, 2:44:01 PM)

28.4

-0.1 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners5.37%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap0
Revenue(TTM)454.75M
Net Income(TTM)-25.04M
Analysts80
Price Target35.9 (26.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP-34.01%
Div Incr Years0
Div Non Decr Years0
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)-3.12%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.47
P/S 0.89
P/FCF 2.04
P/OCF 1.86
P/B 0.34
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)-1.76
EYN/A
EPS(NY)4.39
Fwd EY15.47%
FCF(TTM)13.94
FCFY49.07%
OCF(TTM)15.29
OCFY53.84%
SpS32.06
BVpS84
TBVpS80.6
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -2.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 43.47%
ROA(3y)0.11%
ROA(5y)0.19%
ROE(3y)1.21%
ROE(5y)2.33%
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-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 4.66
Debt/EBITDA N/A
Cap/Depr 76.57%
Cap/Sales 4.23%
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-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)72.42%
Cap/Sales(3y)4.07%
Cap/Sales(5y)4.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-739.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.37%
EPS Next Y2018.07%
EPS Next 2Y389.73%
EPS Next 3Y192.09%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.03%
Revenue growth 3Y5.23%
Revenue growth 5Y7.71%
Sales Q2Q%-3.45%
Revenue Next Year3.4%
Revenue Next 2Y3.51%
Revenue Next 3Y1.94%
Revenue Next 5YN/A
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 1Y142.74%
FCF growth 3YN/A
FCF growth 5Y-20.71%
OCF growth 1Y148.85%
OCF growth 3YN/A
OCF growth 5Y-19.68%

TRIODOS BANK NV / TRIO.AS Fundamental Analysis FAQ

What is the fundamental rating for TRIO stock?

ChartMill assigns a fundamental rating of 3 / 10 to TRIO.AS.


Can you provide the valuation status for TRIODOS BANK NV?

ChartMill assigns a valuation rating of 6 / 10 to TRIODOS BANK NV (TRIO.AS). This can be considered as Fairly Valued.


What is the profitability of TRIO stock?

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


What is the expected EPS growth for TRIODOS BANK NV (TRIO.AS) stock?

The Earnings per Share (EPS) of TRIODOS BANK NV (TRIO.AS) is expected to grow by 2018.07% in the next year.


How sustainable is the dividend of TRIODOS BANK NV (TRIO.AS) stock?

The dividend rating of TRIODOS BANK NV (TRIO.AS) is 0 / 10 and the dividend payout ratio is -34.01%.