XIOR STUDENT HOUSING NV (XIOR.BR) Stock Fundamental Analysis
EBR:XIOR - Euronext Brussels - BE0974288202 - REIT - Currency: EUR
XIOR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 6 industry peers in the Residential REITs industry. There are concerns on the financial health of XIOR while its profitability can be described as average. XIOR has a correct valuation and a medium 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.
In multiple years XIOR reported negative net income over the last 5 years.
XIOR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
XIOR's Return On Assets of 1.44% is fine compared to the rest of the industry. XIOR outperforms 66.67% of its industry peers.
XIOR has a better Return On Equity (3.10%) than 66.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.96%, XIOR belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for XIOR 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
The Profit Margin of XIOR (20.32%) is better than 66.67% of its industry peers.
XIOR's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 59.90%, XIOR perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of XIOR has declined.
With an excellent Gross Margin value of 87.94%, XIOR belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
XIOR's Gross Margin has declined in the last couple of years.
| 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.
Compared to 5 years ago, XIOR has more shares outstanding
The debt/assets ratio for XIOR has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.67, we must say that XIOR is in the distress zone and has some risk of bankruptcy.
XIOR's Altman-Z score of 0.67 is in line compared to the rest of the industry. XIOR outperforms 50.00% of its industry peers.
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 Debt to FCF ratio of 30.54. This is comparable to the rest of the industry: XIOR outperforms 50.00% of its industry peers.
XIOR has a Debt/Equity ratio of 0.97. This is a neutral value indicating XIOR is somewhat dependend on debt financing.
XIOR's Debt to Equity ratio of 0.97 is on the low side compared to the rest of the industry. XIOR is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Altman-Z | 0.67 |
ROIC/WACC0.72
WACC5.5%
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 of 0.56. This is in the better half of the industry: XIOR outperforms 66.67% of its industry peers.
A Quick Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.56, XIOR is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.56 | ||
| Quick Ratio | 0.56 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 170.11% over the past year.
XIOR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.32% yearly.
The Revenue has grown by 10.09% in the past year. This is quite good.
Measured over the past years, XIOR shows a very strong growth in Revenue. The Revenue has been growing by 30.12% on average per year.
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 small growth in Earnings Per Share. The EPS will grow by 0.16% on average per year.
XIOR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.72% yearly.
EPS Next Y4.07%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EPS Next 5Y0.16%
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.
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
A Price/Earnings ratio of 16.39 indicates a correct valuation of XIOR.
Based on the Price/Earnings ratio, XIOR is valued a bit cheaper than 66.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. XIOR is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 13.01 indicates a correct valuation of XIOR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of XIOR indicates a rather cheap valuation: XIOR is cheaper than 83.33% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. XIOR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.39 | ||
| Fwd PE | 13.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, XIOR is valued a bit cheaper than 66.67% of the companies in the same industry.
XIOR's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 26.1 | ||
| EV/EBITDA | 20.9 |
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.
The decent profitability rating of XIOR may justify a higher PE ratio.
PEG (NY)4.03
PEG (5Y)0.62
EPS Next 2Y3.67%
EPS Next 3Y2.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.91%, XIOR has a reasonable but not impressive dividend return.
XIOR's Dividend Yield is slightly below the industry average, which is at 5.55.
XIOR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
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 growing slower than its dividend. This means the dividend growth is not sustainable.
DP91.6%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EBR:XIOR (6/20/2025, 5:08:41 PM)
31.625
+0.02 (+0.08%)
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 Cap1.45B
Analysts81.18
Price Target35.7 (12.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.91% |
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)-0.77%
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)-1.13%
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 | 16.39 | ||
| Fwd PE | 13.01 | ||
| P/S | 5.81 | ||
| P/FCF | 26.1 | ||
| P/OCF | 25.23 | ||
| P/B | 0.89 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | 20.9 |
EPS(TTM)1.93
EY6.1%
EPS(NY)2.43
Fwd EY7.69%
FCF(TTM)1.21
FCFY3.83%
OCF(TTM)1.25
OCFY3.96%
SpS5.45
BVpS35.65
TBVpS35.55
PEG (NY)4.03
PEG (5Y)0.62
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 | 0.67 |
F-Score6
WACC5.5%
ROIC/WACC0.72
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 5Y0.16%
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 5Y4.64%
FCF growth 1Y129.38%
FCF growth 3Y22.02%
FCF growth 5YN/A
OCF growth 1Y116.9%
OCF growth 3Y22.86%
OCF growth 5YN/A