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FLOW TRADERS LTD (FLOW.AS) Stock Fundamental Analysis

AMS:FLOW - Euronext Amsterdam - BMG3602E1084 - Common Stock - Currency: EUR

25.7  -0.04 (-0.16%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FLOW. FLOW was compared to 102 industry peers in the Capital Markets industry. There are concerns on the financial health of FLOW while its profitability can be described as average. FLOW is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

FLOW had positive earnings in the past year.
Each year in the past 5 years FLOW has been profitable.
FLOW had a positive operating cash flow in 4 of the past 5 years.
FLOW.AS Yearly Net Income VS EBIT VS OCF VS FCFFLOW.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.47%, FLOW is in the better half of the industry, outperforming 62.86% of the companies in the same industry.
FLOW's Return On Equity of 38.14% is amongst the best of the industry. FLOW outperforms 97.14% of its industry peers.
FLOW has a better Return On Invested Capital (6.32%) than 77.14% of its industry peers.
Industry RankSector Rank
ROA 1.47%
ROE 38.14%
ROIC 6.32%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FLOW.AS Yearly ROA, ROE, ROICFLOW.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

The Profit Margin of FLOW (27.53%) is better than 73.33% of its industry peers.
In the last couple of years the Profit Margin of FLOW has grown nicely.
With a decent Operating Margin value of 34.54%, FLOW is doing good in the industry, outperforming 76.19% of the companies in the same industry.
FLOW's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 34.54%
PM (TTM) 27.53%
GM N/A
OM growth 3Y14.34%
OM growth 5Y16.47%
PM growth 3Y16.23%
PM growth 5Y17.16%
GM growth 3YN/A
GM growth 5YN/A
FLOW.AS Yearly Profit, Operating, Gross MarginsFLOW.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for FLOW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FLOW.AS Yearly Shares OutstandingFLOW.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
FLOW.AS Yearly Total Debt VS Total AssetsFLOW.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.2 Solvency

Based on the Altman-Z score of -0.20, we must say that FLOW is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.20, FLOW is in line with its industry, outperforming 47.62% of the companies in the same industry.
FLOW has a Debt/Equity ratio of 4.37. This is a high value indicating a heavy dependency on external financing.
FLOW has a Debt to Equity ratio (4.37) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 4.37
Debt/FCF N/A
Altman-Z -0.2
ROIC/WACCN/A
WACCN/A
FLOW.AS Yearly LT Debt VS Equity VS FCFFLOW.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.3 Liquidity

A Current Ratio of 0.64 indicates that FLOW may have some problems paying its short term obligations.
FLOW has a Current ratio (0.64) which is in line with its industry peers.
FLOW has a Quick Ratio of 0.64. 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 has a Quick ratio (0.64) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.64
Quick Ratio 0.64
FLOW.AS Yearly Current Assets VS Current LiabilitesFLOW.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

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5

3. Growth

3.1 Past

FLOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 244.84%, which is quite impressive.
Measured over the past years, FLOW shows a very strong growth in Earnings Per Share. The EPS has been growing by 25.44% on average per year.
FLOW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.78%.
Measured over the past years, FLOW shows a small growth in Revenue. The Revenue has been growing by 6.34% on average per year.
EPS 1Y (TTM)244.84%
EPS 3Y12.22%
EPS 5Y25.44%
EPS Q2Q%661.96%
Revenue 1Y (TTM)16.78%
Revenue growth 3Y-4.04%
Revenue growth 5Y6.34%
Sales Q2Q%268.1%

3.2 Future

Based on estimates for the next years, FLOW will show a small growth in Earnings Per Share. The EPS will grow by 2.03% on average per year.
Based on estimates for the next years, FLOW will show a small growth in Revenue. The Revenue will grow by 0.33% on average per year.
EPS Next Y-10.21%
EPS Next 2Y0.98%
EPS Next 3Y8.25%
EPS Next 5Y2.03%
Revenue Next Year5.27%
Revenue Next 2Y7.81%
Revenue Next 3Y8.3%
Revenue Next 5Y0.33%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
FLOW.AS Yearly Revenue VS EstimatesFLOW.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 200M 400M 600M 800M 1B
FLOW.AS Yearly EPS VS EstimatesFLOW.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

FLOW is valuated cheaply with a Price/Earnings ratio of 4.75.
FLOW's Price/Earnings ratio is rather cheap when compared to the industry. FLOW is cheaper than 96.19% of the companies in the same industry.
FLOW is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.04 indicates a reasonable valuation of FLOW.
Based on the Price/Forward Earnings ratio, FLOW is valued cheaper than 86.67% of the companies in the same industry.
FLOW is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.75
Fwd PE 10.04
FLOW.AS Price Earnings VS Forward Price EarningsFLOW.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FLOW.AS Per share dataFLOW.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The decent profitability rating of FLOW may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.19
EPS Next 2Y0.98%
EPS Next 3Y8.25%

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2

5. Dividend

5.1 Amount

FLOW has a Yearly Dividend Yield of 1.75%.
Compared to an average industry Dividend Yield of 6.34, FLOW has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.33, FLOW is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.75%

5.2 History

The dividend of FLOW decreases each year by -8.17%.
Dividend Growth(5Y)-8.17%
Div Incr Years1
Div Non Decr Years1
FLOW.AS Yearly Dividends per shareFLOW.AS Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2Y0.98%
EPS Next 3Y8.25%
FLOW.AS Yearly Income VS Free CF VS DividendFLOW.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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FLOW TRADERS LTD

AMS:FLOW (3/7/2025, 7:00:00 PM)

25.7

-0.04 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-13 2025-02-13
Earnings (Next)07-23 2025-07-23
Inst Owners15.97%
Inst Owner ChangeN/A
Ins Owners22.77%
Ins Owner ChangeN/A
Market Cap1.17B
Analysts45.45
Price Target23.8 (-7.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.75%
Yearly Dividend1.11
Dividend Growth(5Y)-8.17%
DP0%
Div Incr Years1
Div Non Decr Years1
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)2
Avg Revenue beat(2)86.62%
Min Revenue beat(2)32.29%
Max Revenue beat(2)140.95%
Revenue beat(4)2
Avg Revenue beat(4)33.39%
Min Revenue beat(4)-31.67%
Max Revenue beat(4)140.95%
Revenue beat(8)2
Avg Revenue beat(8)10.51%
Revenue beat(12)6
Avg Revenue beat(12)59.36%
Revenue beat(16)9
Avg Revenue beat(16)72.81%
PT rev (1m)14.19%
PT rev (3m)17.25%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)7.08%
EPS NY rev (3m)13.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)8.39%
Revenue NY rev (3m)12.09%
Valuation
Industry RankSector Rank
PE 4.75
Fwd PE 10.04
P/S 1.33
P/FCF N/A
P/OCF N/A
P/B 1.84
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)5.41
EY21.05%
EPS(NY)2.56
Fwd EY9.96%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS19.34
BVpS13.96
TBVpS13.91
PEG (NY)N/A
PEG (5Y)0.19
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 38.14%
ROCE 25.38%
ROIC 6.32%
ROICexc 6.33%
ROICexgc 6.34%
OM 34.54%
PM (TTM) 27.53%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y14.34%
OM growth 5Y16.47%
PM growth 3Y16.23%
PM growth 5Y17.16%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 4.37
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.64
Quick Ratio 0.64
Altman-Z -0.2
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)244.84%
EPS 3Y12.22%
EPS 5Y25.44%
EPS Q2Q%661.96%
EPS Next Y-10.21%
EPS Next 2Y0.98%
EPS Next 3Y8.25%
EPS Next 5Y2.03%
Revenue 1Y (TTM)16.78%
Revenue growth 3Y-4.04%
Revenue growth 5Y6.34%
Sales Q2Q%268.1%
Revenue Next Year5.27%
Revenue Next 2Y7.81%
Revenue Next 3Y8.3%
Revenue Next 5Y0.33%
EBIT growth 1Y206.73%
EBIT growth 3Y9.73%
EBIT growth 5Y23.85%
EBIT Next Year-0.4%
EBIT Next 3Y6.48%
EBIT Next 5Y2.53%
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A