GROUPE BRUXELLES LAMBERT NV (GBLB.BR) Stock Fundamental Analysis
EBR:GBLB - Euronext Brussels - BE0003797140 - Common Stock - Currency: EUR
Taking everything into account, GBLB scores 4 out of 10 in our fundamental rating. GBLB was compared to 50 industry peers in the Financial Services industry. Both the profitability and the financial health of GBLB get a neutral evaluation. Nothing too spectacular is happening here. GBLB has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year GBLB was profitable.
In the past year GBLB had a positive cash flow from operations.
GBLB had positive earnings in 4 of the past 5 years.
In the past 5 years GBLB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.89%, GBLB belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
GBLB has a Return On Equity of 21.19%. This is in the better half of the industry: GBLB outperforms 80.00% of its industry peers.
GBLB has a Return On Invested Capital (3.46%) which is comparable to the rest of the industry.
GBLB had an Average Return On Invested Capital over the past 3 years of 1.25%. This is significantly below the industry average of 11.19%.
The 3 year average ROIC (1.25%) for GBLB is below the current ROIC(3.46%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.89% | ||
| ROE | 21.19% | ||
| ROIC | 3.46% |
ROA(3y)1.7%
ROA(5y)1.73%
ROE(3y)2.96%
ROE(5y)2.9%
ROIC(3y)1.25%
ROIC(5y)1.7%
1.3 Margins
GBLB has a better Profit Margin (29.68%) than 72.00% of its industry peers.
GBLB's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 10.98%, GBLB is in line with its industry, outperforming 50.00% of the companies in the same industry.
GBLB's Operating Margin has declined in the last couple of years.
The Gross Margin of GBLB (66.73%) is better than 70.00% of its industry peers.
GBLB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.98% | ||
| PM (TTM) | 29.68% | ||
| GM | 66.73% |
OM growth 3Y-11.68%
OM growth 5Y-9.77%
PM growth 3Y62.81%
PM growth 5Y16.66%
GM growth 3Y-4.61%
GM growth 5Y-0.81%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GBLB is destroying value.
GBLB has less shares outstanding than it did 1 year ago.
GBLB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GBLB has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.46, we must say that GBLB is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.46, GBLB perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
The Debt to FCF ratio of GBLB is 28.56, which is on the high side as it means it would take GBLB, 28.56 years of fcf income to pay off all of its debts.
GBLB's Debt to FCF ratio of 28.56 is on the low side compared to the rest of the industry. GBLB is outperformed by 70.00% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that GBLB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.50, GBLB is in line with its industry, outperforming 42.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 28.56 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.56
WACC6.23%
2.3 Liquidity
A Current Ratio of 1.93 indicates that GBLB should not have too much problems paying its short term obligations.
GBLB has a better Current ratio (1.93) than 74.00% of its industry peers.
A Quick Ratio of 1.52 indicates that GBLB should not have too much problems paying its short term obligations.
GBLB's Quick ratio of 1.52 is fine compared to the rest of the industry. GBLB outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.93 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
GBLB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.37%.
Measured over the past years, GBLB shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.38% on average per year.
GBLB shows a decrease in Revenue. In the last year, the revenue decreased by -6.44%.
The Revenue has been growing slightly by 3.89% on average over the past years.
EPS 1Y (TTM)0.37%
EPS 3Y67.6%
EPS 5Y23.38%
EPS Q2Q%-119.34%
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y0.7%
Revenue growth 5Y3.89%
Sales Q2Q%-6.44%
3.2 Future
Based on estimates for the next years, GBLB will show a very negative growth in Earnings Per Share. The EPS will decrease by -31.01% on average per year.
Based on estimates for the next years, GBLB will show a decrease in Revenue. The Revenue will decrease by -3.72% on average per year.
EPS Next Y-69.84%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EPS Next 5YN/A
Revenue Next Year-10.75%
Revenue Next 2Y-5.53%
Revenue Next 3Y-3.72%
Revenue Next 5YN/A
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
The Price/Earnings ratio is 6.65, which indicates a rather cheap valuation of GBLB.
Based on the Price/Earnings ratio, GBLB is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
GBLB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
The Price/Forward Earnings ratio is 24.51, which indicates a rather expensive current valuation of GBLB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GBLB is on the same level as its industry peers.
GBLB is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.65 | ||
| Fwd PE | 24.51 |
4.2 Price Multiples
GBLB's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GBLB is cheaper than 70.00% of the companies in the same industry.
GBLB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GBLB is more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.69 | ||
| EV/EBITDA | 7.89 |
4.3 Compensation for Growth
GBLB has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as GBLB's earnings are expected to decrease with -31.01% in the coming years.
PEG (NY)N/A
PEG (5Y)0.28
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
5. Dividend
5.1 Amount
GBLB has a Yearly Dividend Yield of 2.74%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.76, GBLB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, GBLB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
5.2 History
The dividend of GBLB decreases each year by -1.44%.
Dividend Growth(5Y)-1.44%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
GBLB pays out 11.75% of its income as dividend. This is a sustainable payout ratio.
The Dividend Rate of GBLB has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP11.75%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EBR:GBLB (3/7/2025, 7:00:00 PM)
70.5
+0.3 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners26.32%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap9.76B
Analysts83.08
Price Target90.74 (28.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend2.81
Dividend Growth(5Y)-1.44%
DP11.75%
Div Incr Years0
Div Non Decr Years3
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)-2.96%
PT rev (3m)-0.05%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-14.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.02%
Revenue NY rev (3m)5.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.65 | ||
| Fwd PE | 24.51 | ||
| P/S | 0.96 | ||
| P/FCF | 33.69 | ||
| P/OCF | 11.53 | ||
| P/B | 0.68 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | 7.89 |
EPS(TTM)10.6
EY15.04%
EPS(NY)2.88
Fwd EY4.08%
FCF(TTM)2.09
FCFY2.97%
OCF(TTM)6.11
OCFY8.67%
SpS73.57
BVpS103.05
TBVpS54.56
PEG (NY)N/A
PEG (5Y)0.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.89% | ||
| ROE | 21.19% | ||
| ROCE | 4.48% | ||
| ROIC | 3.46% | ||
| ROICexc | 3.91% | ||
| ROICexgc | 5.6% | ||
| OM | 10.98% | ||
| PM (TTM) | 29.68% | ||
| GM | 66.73% | ||
| FCFM | 2.84% |
ROA(3y)1.7%
ROA(5y)1.73%
ROE(3y)2.96%
ROE(5y)2.9%
ROIC(3y)1.25%
ROIC(5y)1.7%
ROICexc(3y)1.4%
ROICexc(5y)1.87%
ROICexgc(3y)1.88%
ROICexgc(5y)2.41%
ROCE(3y)1.62%
ROCE(5y)2.22%
ROICexcg growth 3Y-3.39%
ROICexcg growth 5Y-4.94%
ROICexc growth 3Y-7.07%
ROICexc growth 5Y-7.91%
OM growth 3Y-11.68%
OM growth 5Y-9.77%
PM growth 3Y62.81%
PM growth 5Y16.66%
GM growth 3Y-4.61%
GM growth 5Y-0.81%
F-Score6
Asset Turnover0.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 28.56 | ||
| Debt/EBITDA | 4.14 | ||
| Cap/Depr | 92.58% | ||
| Cap/Sales | 5.46% | ||
| Interest Coverage | 3.19 | ||
| Cash Conversion | 49.21% | ||
| Profit Quality | 9.58% | ||
| Current Ratio | 1.93 | ||
| Quick Ratio | 1.52 | ||
| Altman-Z | 1.46 |
F-Score6
WACC6.23%
ROIC/WACC0.56
Cap/Depr(3y)89.52%
Cap/Depr(5y)85.68%
Cap/Sales(3y)9.29%
Cap/Sales(5y)8.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.37%
EPS 3Y67.6%
EPS 5Y23.38%
EPS Q2Q%-119.34%
EPS Next Y-69.84%
EPS Next 2Y-43.88%
EPS Next 3Y-31.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.44%
Revenue growth 3Y0.7%
Revenue growth 5Y3.89%
Sales Q2Q%-6.44%
Revenue Next Year-10.75%
Revenue Next 2Y-5.53%
Revenue Next 3Y-3.72%
Revenue Next 5YN/A
EBIT growth 1Y44.25%
EBIT growth 3Y-11.06%
EBIT growth 5Y-6.26%
EBIT Next Year156.62%
EBIT Next 3Y22.85%
EBIT Next 5YN/A
FCF growth 1Y-33.52%
FCF growth 3Y-18.79%
FCF growth 5Y-2.32%
OCF growth 1Y-11.91%
OCF growth 3Y-3.01%
OCF growth 5Y4.18%