FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis
AMS:FLOW - Euronext Amsterdam - BMG3602E1084 - Common Stock - Currency: EUR
FLOW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 109 industry peers in the Capital Markets industry. While FLOW belongs to the best of the industry regarding profitability, there are concerns on its financial health. FLOW is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year FLOW was profitable.
FLOW had a positive operating cash flow in the past year.
FLOW had positive earnings in each of the past 5 years.
Each year in the past 5 years FLOW had a positive operating cash flow.
1.2 Ratios
FLOW has a Return On Assets of 1.88%. This is comparable to the rest of the industry: FLOW outperforms 54.13% of its industry peers.
FLOW's Return On Equity of 31.69% is amongst the best of the industry. FLOW outperforms 96.33% of its industry peers.
FLOW has a Return On Invested Capital of 6.94%. This is in the better half of the industry: FLOW outperforms 76.15% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FLOW is below the industry average of 8.40%.
The last Return On Invested Capital (6.94%) for FLOW is above the 3 year average (3.99%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 31.69% | ||
| ROIC | 6.94% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.99%
ROIC(5y)7.99%
1.3 Margins
Looking at the Profit Margin, with a value of 23.25%, FLOW is in the better half of the industry, outperforming 66.97% of the companies in the same industry.
In the last couple of years the Profit Margin of FLOW has grown nicely.
With a decent Operating Margin value of 28.55%, FLOW is doing good in the industry, outperforming 67.89% of the companies in the same industry.
FLOW's Operating Margin has improved in the last couple of years.
FLOW has a Gross Margin of 44.77%. This is in the better half of the industry: FLOW outperforms 63.30% of its industry peers.
In the last couple of years the Gross Margin of FLOW has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.55% | ||
| PM (TTM) | 23.25% | ||
| GM | 44.77% |
OM growth 3Y-4.03%
OM growth 5Y4.85%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
2. Health
2.1 Basic Checks
Compared to 1 year ago, FLOW has about the same amount of shares outstanding.
Compared to 5 years ago, FLOW has less shares outstanding
FLOW has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.21, we must say that FLOW is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.21, FLOW perfoms like the industry average, outperforming 41.28% of the companies in the same industry.
The Debt to FCF ratio of FLOW is 76.98, which is on the high side as it means it would take FLOW, 76.98 years of fcf income to pay off all of its debts.
FLOW has a Debt to FCF ratio of 76.98. This is in the better half of the industry: FLOW outperforms 60.55% of its industry peers.
FLOW has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.
FLOW has a Debt to Equity ratio of 2.56. This is in the lower half of the industry: FLOW underperforms 61.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 76.98 | ||
| Altman-Z | -0.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.53 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Current ratio (0.53) which is in line with its industry peers.
FLOW has a Quick Ratio of 0.53. This is a bad value and indicates that FLOW is not financially healthy enough and could expect problems in meeting its short term obligations.
FLOW's Quick ratio of 0.53 is in line compared to the rest of the industry. FLOW outperforms 49.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 344.44% over the past year.
FLOW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.64% yearly.
Looking at the last year, FLOW shows a very strong growth in Revenue. The Revenue has grown by 38.15%.
The Revenue has been growing by 17.83% on average over the past years. This is quite good.
EPS 1Y (TTM)344.44%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%914.29%
Revenue 1Y (TTM)38.15%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%114%
3.2 Future
The Earnings Per Share is expected to decrease by -2.62% on average over the next years.
Based on estimates for the next years, FLOW will show a small growth in Revenue. The Revenue will grow by 3.33% on average per year.
EPS Next Y-13.93%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
EPS Next 5Y-2.62%
Revenue Next Year30.05%
Revenue Next 2Y12.91%
Revenue Next 3Y11.07%
Revenue Next 5Y3.33%
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
Based on the Price/Earnings ratio of 7.46, the valuation of FLOW can be described as very cheap.
FLOW's Price/Earnings ratio is rather cheap when compared to the industry. FLOW is cheaper than 91.74% of the companies in the same industry.
FLOW is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.66 indicates a reasonable valuation of FLOW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLOW indicates a rather cheap valuation: FLOW is cheaper than 89.91% of the companies listed in the same industry.
FLOW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.46 | ||
| Fwd PE | 8.66 |
4.2 Price Multiples
FLOW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FLOW is cheaper than 91.74% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLOW indicates a somewhat cheap valuation: FLOW is cheaper than 62.39% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.1 | ||
| EV/EBITDA | 4.18 |
4.3 Compensation for Growth
The decent profitability rating of FLOW may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.61%, FLOW has a reasonable but not impressive dividend return.
FLOW's Dividend Yield is comparable with the industry average which is at 5.85.
FLOW's Dividend Yield is slightly below the S&P500 average, which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
5.2 History
The dividend of FLOW decreases each year by -35.52%.
Dividend Growth(5Y)-35.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FLOW pays out 2.67% of its income as dividend. This is a sustainable payout ratio.
The Dividend Rate of FLOW has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP2.67%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
AMS:FLOW (7/4/2025, 7:00:00 PM)
26.84
-1.12 (-4.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners15.71%
Inst Owner ChangeN/A
Ins Owners22.78%
Ins Owner ChangeN/A
Market Cap1.23B
Analysts76
Price Target29.63 (10.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
Yearly Dividend0.15
Dividend Growth(5Y)-35.52%
DP2.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)114.07%
Min EPS beat(2)104.13%
Max EPS beat(2)124.01%
EPS beat(4)3
Avg EPS beat(4)86.84%
Min EPS beat(4)-39.25%
Max EPS beat(4)158.46%
EPS beat(8)4
Avg EPS beat(8)7.52%
EPS beat(12)7
Avg EPS beat(12)13.73%
EPS beat(16)8
Avg EPS beat(16)8.8%
Revenue beat(2)2
Avg Revenue beat(2)36.18%
Min Revenue beat(2)32.29%
Max Revenue beat(2)40.08%
Revenue beat(4)2
Avg Revenue beat(4)8.17%
Min Revenue beat(4)-31.67%
Max Revenue beat(4)40.08%
Revenue beat(8)2
Avg Revenue beat(8)-2.1%
Revenue beat(12)6
Avg Revenue beat(12)50.96%
Revenue beat(16)9
Avg Revenue beat(16)66.51%
PT rev (1m)2.89%
PT rev (3m)24.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)75.79%
EPS NY rev (1m)0%
EPS NY rev (3m)8.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)28.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)23.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.46 | ||
| Fwd PE | 8.66 | ||
| P/S | 1.17 | ||
| P/FCF | 48.1 | ||
| P/OCF | 38.23 | ||
| P/B | 1.6 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 4.18 |
EPS(TTM)3.6
EY13.41%
EPS(NY)3.1
Fwd EY11.54%
FCF(TTM)0.56
FCFY2.08%
OCF(TTM)0.7
OCFY2.62%
SpS22.88
BVpS16.79
TBVpS16.74
PEG (NY)N/A
PEG (5Y)0.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.88% | ||
| ROE | 31.69% | ||
| ROCE | 18.72% | ||
| ROIC | 6.94% | ||
| ROICexc | 6.96% | ||
| ROICexgc | 6.96% | ||
| OM | 28.55% | ||
| PM (TTM) | 23.25% | ||
| GM | 44.77% | ||
| FCFM | 2.44% |
ROA(3y)0.9%
ROA(5y)1.83%
ROE(3y)15.97%
ROE(5y)29.85%
ROIC(3y)3.99%
ROIC(5y)7.99%
ROICexc(3y)4%
ROICexc(5y)8.02%
ROICexgc(3y)4.01%
ROICexgc(5y)8.02%
ROCE(3y)13.82%
ROCE(5y)30.24%
ROICexcg growth 3Y-2.99%
ROICexcg growth 5Y10.2%
ROICexc growth 3Y-2.98%
ROICexc growth 5Y10.2%
OM growth 3Y-4.03%
OM growth 5Y4.85%
PM growth 3Y-2.04%
PM growth 5Y5.74%
GM growth 3Y-6.21%
GM growth 5Y-0.99%
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.56 | ||
| Debt/FCF | 76.98 | ||
| Debt/EBITDA | 6.22 | ||
| Cap/Depr | 38.06% | ||
| Cap/Sales | 0.63% | ||
| Interest Coverage | 334.05 | ||
| Cash Conversion | 10.16% | ||
| Profit Quality | 10.49% | ||
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 | ||
| Altman-Z | -0.21 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)49.72%
Cap/Depr(5y)47.95%
Cap/Sales(3y)1.34%
Cap/Sales(5y)1.18%
Profit Quality(3y)90.14%
Profit Quality(5y)106.89%
High Growth Momentum
Growth
EPS 1Y (TTM)344.44%
EPS 3Y12.48%
EPS 5Y25.64%
EPS Q2Q%914.29%
EPS Next Y-13.93%
EPS Next 2Y-3.5%
EPS Next 3Y1.45%
EPS Next 5Y-2.62%
Revenue 1Y (TTM)38.15%
Revenue growth 3Y13.87%
Revenue growth 5Y17.83%
Sales Q2Q%114%
Revenue Next Year30.05%
Revenue Next 2Y12.91%
Revenue Next 3Y11.07%
Revenue Next 5Y3.33%
EBIT growth 1Y199.92%
EBIT growth 3Y9.28%
EBIT growth 5Y23.55%
EBIT Next Year62.82%
EBIT Next 3Y17.91%
EBIT Next 5Y4.84%
FCF growth 1Y-62.21%
FCF growth 3Y-52.52%
FCF growth 5Y-17.48%
OCF growth 1Y-59.66%
OCF growth 3Y-49.21%
OCF growth 5Y-16.54%