XIOR STUDENT HOUSING NV (XIOR.BR) Stock Fundamental Analysis
EBR:XIOR - Euronext Brussels - BE0974288202 - REIT - Currency: EUR
We assign a fundamental rating of 4 out of 10 to XIOR. XIOR was compared to 5 industry peers in the Residential REITs industry. XIOR has a medium profitability rating, but doesn't score so well on its financial health evaluation. XIOR is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year XIOR was profitable.
In the past year XIOR had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: XIOR reported negative net income in multiple years.
XIOR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
XIOR has a Return On Assets (1.44%) which is comparable to the rest of the industry.
The Return On Equity of XIOR (3.10%) is comparable to the rest of the industry.
With a decent Return On Invested Capital value of 3.96%, XIOR is doing good in the industry, outperforming 80.00% of the companies in the same industry.
XIOR had an Average Return On Invested Capital over the past 3 years of 2.31%. This is in line with the industry average of 3.37%.
The 3 year average ROIC (2.31%) for XIOR is below the current ROIC(3.96%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 3.1% | ||
| ROIC | 3.96% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.31%
ROE(5y)3.52%
ROIC(3y)2.31%
ROIC(5y)2.45%
1.3 Margins
XIOR has a Profit Margin (20.32%) which is comparable to the rest of the industry.
XIOR's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 59.90%, XIOR is doing worse than 60.00% of the companies in the same industry.
In the last couple of years the Operating Margin of XIOR has declined.
XIOR's Gross Margin of 87.94% is fine compared to the rest of the industry. XIOR outperforms 80.00% of its industry peers.
In the last couple of years the Gross Margin of XIOR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 59.9% | ||
| PM (TTM) | 20.32% | ||
| GM | 87.94% |
OM growth 3Y-6.03%
OM growth 5Y-4.9%
PM growth 3Y-27.12%
PM growth 5Y18.28%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), XIOR is destroying value.
The number of shares outstanding for XIOR has been increased compared to 1 year ago.
XIOR has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, XIOR has an improved debt to assets ratio.
2.2 Solvency
XIOR has an Altman-Z score of 0.66. This is a bad value and indicates that XIOR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.66, XIOR is doing worse than 60.00% of the companies in the same industry.
XIOR has a debt to FCF ratio of 30.54. This is a negative value and a sign of low solvency as XIOR would need 30.54 years to pay back of all of its debts.
XIOR has a worse Debt to FCF ratio (30.54) than 60.00% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that XIOR is somewhat dependend on debt financing.
The Debt to Equity ratio of XIOR (0.97) is worse than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Altman-Z | 0.66 |
ROIC/WACC0.79
WACC5.03%
2.3 Liquidity
A Current Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
XIOR has a Current ratio (0.56) which is in line with its industry peers.
A Quick Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
With a Quick ratio value of 0.56, XIOR perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.56 | ||
| Quick Ratio | 0.56 |
3. Growth
3.1 Past
XIOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 170.11%, which is quite impressive.
XIOR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.32% yearly.
XIOR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.09%.
XIOR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.12% yearly.
EPS 1Y (TTM)170.11%
EPS 3Y-21.25%
EPS 5Y26.32%
EPS Q2Q%137.57%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%0.09%
3.2 Future
Based on estimates for the next years, XIOR will show a decrease in Earnings Per Share. The EPS will decrease by -0.19% on average per year.
The Revenue is expected to grow by 3.72% on average over the next years.
EPS Next Y4.07%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EPS Next 5Y-0.19%
Revenue Next Year10.14%
Revenue Next 2Y8.36%
Revenue Next 3Y7.04%
Revenue Next 5Y3.72%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
XIOR is valuated correctly with a Price/Earnings ratio of 15.67.
XIOR's Price/Earnings ratio is in line with the industry average.
XIOR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.30.
With a Price/Forward Earnings ratio of 12.44, XIOR is valued correctly.
Based on the Price/Forward Earnings ratio, XIOR is valued a bit cheaper than 80.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.76. XIOR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.67 | ||
| Fwd PE | 12.44 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XIOR indicates a slightly more expensive valuation: XIOR is more expensive than 60.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of XIOR indicates a slightly more expensive valuation: XIOR is more expensive than 60.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.44 | ||
| EV/EBITDA | 20.67 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates XIOR does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.85
PEG (5Y)0.6
EPS Next 2Y3.67%
EPS Next 3Y2.2%
5. Dividend
5.1 Amount
XIOR has a Yearly Dividend Yield of 4.00%, which is a nice return.
Compared to an average industry Dividend Yield of 5.72, XIOR's dividend is way lower than its industry peers. On top of this 80.00% of the companies listed in the same industry pay a better dividend than XIOR!
Compared to an average S&P500 Dividend Yield of 2.35, XIOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
5.2 History
The dividend of XIOR is nicely growing with an annual growth rate of 20.29%!
Dividend Growth(5Y)20.29%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
XIOR pays out 91.60% of its income as dividend. This is not a sustainable payout ratio.
XIOR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP91.6%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EBR:XIOR (7/11/2025, 7:00:00 PM)
30.25
-0.15 (-0.49%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)
Earnings (Next)
Inst Owners23.65%
Inst Owner ChangeN/A
Ins Owners10.94%
Ins Owner ChangeN/A
Market Cap1.41B
Analysts82.5
Price Target35.7 (18.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
Yearly Dividend1.15
Dividend Growth(5Y)20.29%
DP91.6%
Div Incr Years2
Div Non Decr Years2
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)-3.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.67 | ||
| Fwd PE | 12.44 | ||
| P/S | 5.66 | ||
| P/FCF | 25.44 | ||
| P/OCF | 24.59 | ||
| P/B | 0.86 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | 20.67 |
EPS(TTM)1.93
EY6.38%
EPS(NY)2.43
Fwd EY8.04%
FCF(TTM)1.19
FCFY3.93%
OCF(TTM)1.23
OCFY4.07%
SpS5.35
BVpS34.98
TBVpS34.88
PEG (NY)3.85
PEG (5Y)0.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 3.1% | ||
| ROCE | 4.52% | ||
| ROIC | 3.96% | ||
| ROICexc | 3.97% | ||
| ROICexgc | 3.98% | ||
| OM | 59.9% | ||
| PM (TTM) | 20.32% | ||
| GM | 87.94% | ||
| FCFM | 22.24% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.31%
ROE(5y)3.52%
ROIC(3y)2.31%
ROIC(5y)2.45%
ROICexc(3y)2.31%
ROICexc(5y)2.46%
ROICexgc(3y)2.32%
ROICexgc(5y)2.47%
ROCE(3y)2.63%
ROCE(5y)2.8%
ROICexcg growth 3Y-0.66%
ROICexcg growth 5Y1.19%
ROICexc growth 3Y-0.7%
ROICexc growth 5Y1.17%
OM growth 3Y-6.03%
OM growth 5Y-4.9%
PM growth 3Y-27.12%
PM growth 5Y18.28%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Debt/EBITDA | 10.57 | ||
| Cap/Depr | 479.25% | ||
| Cap/Sales | 0.77% | ||
| Interest Coverage | 2.78 | ||
| Cash Conversion | 38.31% | ||
| Profit Quality | 109.47% | ||
| Current Ratio | 0.56 | ||
| Quick Ratio | 0.56 | ||
| Altman-Z | 0.66 |
F-Score6
WACC5.03%
ROIC/WACC0.79
Cap/Depr(3y)534.68%
Cap/Depr(5y)391.43%
Cap/Sales(3y)1.98%
Cap/Sales(5y)1.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)170.11%
EPS 3Y-21.25%
EPS 5Y26.32%
EPS Q2Q%137.57%
EPS Next Y4.07%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EPS Next 5Y-0.19%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%0.09%
Revenue Next Year10.14%
Revenue Next 2Y8.36%
Revenue Next 3Y7.04%
Revenue Next 5Y3.72%
EBIT growth 1Y-6.8%
EBIT growth 3Y20.43%
EBIT growth 5Y23.75%
EBIT Next Year10.26%
EBIT Next 3Y7.43%
EBIT Next 5Y4.26%
FCF growth 1Y129.38%
FCF growth 3Y22.02%
FCF growth 5YN/A
OCF growth 1Y116.9%
OCF growth 3Y22.86%
OCF growth 5YN/A