XIOR STUDENT HOUSING NV (XIOR.BR) Stock Fundamental Analysis
EBR:XIOR - Euronext Brussels - BE0974288202 - REIT - Currency: EUR
Taking everything into account, XIOR scores 4 out of 10 in our fundamental rating. XIOR was compared to 6 industry peers in the Residential REITs industry. While XIOR is still in line with the averages on profitability rating, there are concerns on its financial health. XIOR has a decent growth rate and is not valued too expensively.
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.
In the past 5 years XIOR always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.44%, XIOR is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
XIOR's Return On Equity of 3.10% is fine compared to the rest of the industry. XIOR outperforms 66.67% of its industry peers.
XIOR has a Return On Invested Capital of 3.96%. This is amongst the best in the industry. XIOR outperforms 83.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XIOR is in line with the industry average of 3.41%.
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 of 20.32%. This is in the better half of the industry: XIOR outperforms 66.67% of its industry peers.
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 in line with its industry, outperforming 50.00% of the companies in the same industry.
XIOR's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 87.94%, XIOR belongs to the top 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
XIOR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
Based on the Altman-Z score of 0.66, we must say that XIOR is in the distress zone and has some risk of bankruptcy.
XIOR's Altman-Z score of 0.66 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's Debt to FCF ratio of 30.54 is in line compared 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.
Looking at the Debt to Equity ratio, with a value of 0.97, XIOR is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Altman-Z | 0.66 |
ROIC/WACC0.79
WACC5.04%
2.3 Liquidity
A Current Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
Looking at the Current 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.
A Quick Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
XIOR has a Quick ratio of 0.56. This is in the better half of the industry: XIOR outperforms 66.67% of its industry peers.
| 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.
The Earnings Per Share has been growing by 26.32% on average over the past years. This is a very strong growth
The Revenue has grown by 10.09% in the past year. This is quite good.
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.
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 5Y-0.19%
Revenue Next Year9.25%
Revenue Next 2Y7.91%
Revenue Next 3Y7.14%
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
A Price/Earnings ratio of 15.75 indicates a correct valuation of XIOR.
Based on the Price/Earnings ratio, XIOR is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
XIOR is valuated rather cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
XIOR is valuated correctly with a Price/Forward Earnings ratio of 12.51.
Based on the Price/Forward Earnings ratio, XIOR is valued a bit cheaper than 66.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of XIOR to the average of the S&P500 Index (35.78), we can say XIOR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.75 | ||
| Fwd PE | 12.51 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as XIOR.
The rest of the industry has a similar Price/Free Cash Flow ratio as XIOR.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.57 | ||
| EV/EBITDA | 20.68 |
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.
XIOR has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.87
PEG (5Y)0.6
EPS Next 2Y3.67%
EPS Next 3Y2.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.92%, XIOR has a reasonable but not impressive dividend return.
XIOR's Dividend Yield is slightly below the industry average, which is at 5.42.
XIOR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
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
91.60% of the earnings are spent on dividend by XIOR. This is not a sustainable payout ratio.
The Dividend Rate of XIOR has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP91.6%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EBR:XIOR (8/13/2025, 7:00:00 PM)
30.4
+0.1 (+0.33%)
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 Cap1.42B
Analysts82.5
Price Target36.62 (20.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
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)2.57%
PT rev (3m)1.26%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.81%
Revenue NY rev (3m)-0.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.75 | ||
| Fwd PE | 12.51 | ||
| P/S | 5.69 | ||
| P/FCF | 25.57 | ||
| P/OCF | 24.72 | ||
| P/B | 0.87 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | 20.68 |
EPS(TTM)1.93
EY6.35%
EPS(NY)2.43
Fwd EY8%
FCF(TTM)1.19
FCFY3.91%
OCF(TTM)1.23
OCFY4.05%
SpS5.35
BVpS34.98
TBVpS34.88
PEG (NY)3.87
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
WACC5.04%
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 Year9.25%
Revenue Next 2Y7.91%
Revenue Next 3Y7.14%
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