ZYA Fundamental Analysis - STATE STREET CORP

Fundamental Rating

Overall ZYA gets a fundamental rating of 4 out of 10. We evaluated ZYA against 107 industry peers in the Capital Markets industry. ZYA may be in some trouble as it scores bad on both profitability and health. ZYA has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

ZYA had positive earnings in the past year.

ZYA had a negative operating cash flow in the past year.

Each year in the past 5 years ZYA has been profitable.

In multiple years ZYA reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.70%, ZYA is in line with its industry, outperforming 46.43% of the companies in the same industry.

ZYA's Return On Equity of 9.66% is in line compared to the rest of the industry. ZYA outperforms 57.14% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.7%
ROE	9.66%
ROIC	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ZYA's Profit Margin of 19.68% is fine compared to the rest of the industry. ZYA outperforms 64.29% of its industry peers.

ZYA's Profit Margin has improved in the last couple of years.

ZYA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.68%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, ZYA has less shares outstanding

Compared to 5 years ago, ZYA has less shares outstanding

ZYA has a worse debt/assets ratio than last year.

2.2 Solvency

ZYA has a Debt/Equity ratio of 1.40. This is a high value indicating a heavy dependency on external financing.

ZYA has a Debt to Equity ratio of 1.40. This is comparable to the rest of the industry: ZYA outperforms 47.32% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ZYA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.74%, which is quite impressive.

ZYA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.08% yearly.

ZYA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.11%.

The Revenue has been growing slightly by 2.03% on average over the past years.

EPS 1Y (TTM)20.74%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%17.67%

Revenue 1Y (TTM)11.11%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%8.05%

3.2 Future

ZYA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.31% yearly.

Based on estimates for the next years, ZYA will show a small growth in Revenue. The Revenue will grow by 3.00% on average per year.

EPS Next Y14.2%

EPS Next 2Y12.45%

EPS Next 3Y12.76%

EPS Next 5Y9.31%

Revenue Next Year6.02%

Revenue Next 2Y4.73%

Revenue Next 3Y4.4%

Revenue Next 5Y3%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.20, the valuation of ZYA can be described as correct.

ZYA's Price/Earnings ratio is a bit cheaper when compared to the industry. ZYA is cheaper than 77.68% of the companies in the same industry.

ZYA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.

A Price/Forward Earnings ratio of 10.45 indicates a reasonable valuation of ZYA.

89.29% of the companies in the same industry are more expensive than ZYA, based on the Price/Forward Earnings ratio.

ZYA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.

		Industry Rank	Sector Rank
PE	12.2
Fwd PE	10.45

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.

ZYA's earnings are expected to grow with 12.76% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.86

PEG (5Y)1.72

EPS Next 2Y12.45%

EPS Next 3Y12.76%

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5. Dividend

5.1 Amount

ZYA has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.

ZYA's Dividend Yield is a higher than the industry average which is at 6.04.

ZYA's Dividend Yield is a higher than the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	2.99%

5.2 History

On average, the dividend of ZYA grows each year by 6.75%, which is quite nice.

Dividend Growth(5Y)6.75%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

40.79% of the earnings are spent on dividend by ZYA. This is a bit on the high side, but may be sustainable.

The dividend of ZYA is growing, but earnings are growing more, so the dividend growth is sustainable.

DP40.79%

EPS Next 2Y12.45%

EPS Next 3Y12.76%

More info and screens

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STATE STREET CORP

FRA:ZYA (8/25/2025, 7:00:00 PM)

99.07

+3.35 (+3.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)07-15 2025-07-15/bmo

Earnings (Next)10-13 2025-10-13/amc

Inst Owners91.74%

Inst Owner ChangeN/A

Ins Owners0.34%

Ins Owner ChangeN/A

Market Cap28.11B

Analysts73.33

Price Target102.54 (3.5%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.99%

Yearly Dividend3.01

Dividend Growth(5Y)6.75%

DP40.79%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.78%

Min EPS beat(2)0.96%

Max EPS beat(2)6.61%

EPS beat(4)4

Avg EPS beat(4)4.73%

Min EPS beat(4)0.96%

Max EPS beat(4)6.61%

EPS beat(8)8

Avg EPS beat(8)6.45%

EPS beat(12)11

Avg EPS beat(12)4.16%

EPS beat(16)15

Avg EPS beat(16)4.71%

Revenue beat(2)1

Avg Revenue beat(2)-0.11%

Min Revenue beat(2)-2.06%

Max Revenue beat(2)1.83%

Revenue beat(4)3

Avg Revenue beat(4)0.65%

Min Revenue beat(4)-2.06%

Max Revenue beat(4)1.83%

Revenue beat(8)6

Avg Revenue beat(8)-0.27%

Revenue beat(12)7

Avg Revenue beat(12)-0.41%

Revenue beat(16)10

Avg Revenue beat(16)-0.39%

PT rev (1m)8.22%

PT rev (3m)9.92%

EPS NQ rev (1m)1.05%

EPS NQ rev (3m)-0.16%

EPS NY rev (1m)2.76%

EPS NY rev (3m)4.75%

Revenue NQ rev (1m)0.26%

Revenue NQ rev (3m)1.52%

Revenue NY rev (1m)1.52%

Revenue NY rev (3m)2.29%

Valuation

		Industry Rank	Sector Rank
PE	12.2
Fwd PE	10.45
P/S	2.43
P/FCF	N/A
P/OCF	N/A
P/B	1.19
P/tB	1.78
EV/EBITDA	N/A

EPS(TTM)8.12

EY8.2%

EPS(NY)9.48

Fwd EY9.57%

FCF(TTM)-35.82

FCFYN/A

OCF(TTM)-32.69

OCFYN/A

SpS40.7

BVpS82.92

TBVpS55.8

PEG (NY)0.86

PEG (5Y)1.72

Profitability

		Industry Rank	Sector Rank
ROA	0.7%
ROE	9.66%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.68%
GM	N/A
FCFM	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	219.66%
Cap/Sales	7.67%
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-Score4

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)103.02%

Cap/Depr(5y)79.65%

Cap/Sales(3y)6.67%

Cap/Sales(5y)6.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)20.74%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%17.67%

EPS Next Y14.2%

EPS Next 2Y12.45%

EPS Next 3Y12.76%

EPS Next 5Y9.31%

Revenue 1Y (TTM)11.11%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%8.05%

Revenue Next Year6.02%

Revenue Next 2Y4.73%

Revenue Next 3Y4.4%

Revenue Next 5Y3%

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-267.95%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-238.23%

OCF growth 3YN/A

OCF growth 5YN/A

STATE STREET CORP (ZYA.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens