HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
139 EUR
+0.8 (+0.58%)
Overall HAL gets a fundamental rating of 5 out of 10. We evaluated HAL against 59 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, HAL could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
In the past year HAL was profitable.
In the past year HAL had a positive cash flow from operations.
HAL had positive earnings in each of the past 5 years.
HAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 6.27%, HAL belongs to the best of the industry, outperforming 86.44% of the companies in the same industry.
With a decent Return On Equity value of 11.44%, HAL is doing good in the industry, outperforming 66.10% of the companies in the same industry.
The Return On Invested Capital of HAL (7.40%) is better than 71.19% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HAL is below the industry average of 9.75%.
The last Return On Invested Capital (7.40%) for HAL is above the 3 year average (4.86%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROIC | 7.4% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.83%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
1.3 Margins
HAL has a Profit Margin (13.14%) which is in line with its industry peers.
In the last couple of years the Profit Margin of HAL has declined.
HAL's Operating Margin of 15.22% is in line compared to the rest of the industry. HAL outperforms 54.24% of its industry peers.
HAL's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 58.42%, HAL is in line with its industry, outperforming 57.63% of the companies in the same industry.
In the last couple of years the Gross Margin of HAL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% |
OM growth 3Y6.91%
OM growth 5Y4.41%
PM growth 3Y-45.09%
PM growth 5Y-5.59%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HAL is still creating some value.
Compared to 1 year ago, HAL has less shares outstanding
The number of shares outstanding for HAL has been increased compared to 5 years ago.
Compared to 1 year ago, HAL has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.59, we must say that HAL is in the distress zone and has some risk of bankruptcy.
HAL has a better Altman-Z score (1.59) than 61.02% of its industry peers.
HAL has a debt to FCF ratio of 4.10. This is a neutral value as HAL would need 4.10 years to pay back of all of its debts.
HAL has a better Debt to FCF ratio (4.10) than 69.49% of its industry peers.
HAL has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
HAL's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. HAL outperforms 66.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.59 |
ROIC/WACC1.01
WACC7.31%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HAL should not have too much problems paying its short term obligations.
HAL has a better Current ratio (1.48) than 64.41% of its industry peers.
A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
The Quick ratio of HAL (1.30) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 80.06% over the past year.
Measured over the past years, HAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.56% on average per year.
HAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.38%.
HAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.38% yearly.
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
3.2 Future
Based on estimates for the next years, HAL will show a decrease in Earnings Per Share. The EPS will decrease by -8.99% on average per year.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 3.32% on average per year.
EPS Next Y-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.26 indicates a rather cheap valuation of HAL.
HAL's Price/Earnings ratio is rather cheap when compared to the industry. HAL is cheaper than 86.44% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. HAL is valued rather cheaply when compared to this.
HAL is valuated reasonably with a Price/Forward Earnings ratio of 9.39.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 69.49% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.26 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 84.75% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than the industry average as 69.49% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.73 | ||
| EV/EBITDA | 3.29 |
4.3 Compensation for Growth
The decent profitability rating of HAL may justify a higher PE ratio.
A cheap valuation may be justified as HAL's earnings are expected to decrease with -8.99% in the coming years.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.01, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
The dividend of HAL has a limited annual growth rate of 3.20%.
Dividend Growth(5Y)3.2%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
HAL pays out 15.23% of its income as dividend. This is a sustainable payout ratio.
DP15.23%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
AMS:HAL (12/22/2025, 5:29:50 PM)
139
+0.8 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.27%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.56B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target167.28 (20.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend2.86
Dividend Growth(5Y)3.2%
DP15.23%
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)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)2.93%
PT rev (3m)2.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.41%
EPS NY rev (3m)23.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.26 | ||
| Fwd PE | 9.39 | ||
| P/S | 0.96 | ||
| P/FCF | 10.73 | ||
| P/OCF | 4.88 | ||
| P/B | 0.83 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.29 |
EPS(TTM)19.14
EY13.77%
EPS(NY)14.81
Fwd EY10.65%
FCF(TTM)12.95
FCFY9.32%
OCF(TTM)28.47
OCFY20.48%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.58
Graham Number267.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROCE | 9.15% | ||
| ROIC | 7.4% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 10.89% | ||
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% | ||
| FCFM | 8.92% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.83%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
ROICexc(3y)6.26%
ROICexc(5y)5.15%
ROICexgc(3y)7.93%
ROICexgc(5y)6.38%
ROCE(3y)5.96%
ROCE(5y)4.86%
ROICexgc growth 3Y18.15%
ROICexgc growth 5Y19.86%
ROICexc growth 3Y16.74%
ROICexc growth 5Y16.84%
OM growth 3Y6.91%
OM growth 5Y4.41%
PM growth 3Y-45.09%
PM growth 5Y-5.59%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
F-Score8
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 107.27% | ||
| Cap/Sales | 10.69% | ||
| Interest Coverage | 7.24 | ||
| Cash Conversion | 77.86% | ||
| Profit Quality | 67.89% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 1.59 |
F-Score8
WACC7.31%
ROIC/WACC1.01
Cap/Depr(3y)80.63%
Cap/Depr(5y)93%
Cap/Sales(3y)9.49%
Cap/Sales(5y)10.9%
Profit Quality(3y)106.37%
Profit Quality(5y)101.55%
High Growth Momentum
Growth
EPS 1Y (TTM)80.06%
EPS 3Y-34.07%
EPS 5Y12.56%
EPS Q2Q%101.6%
EPS Next Y-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y39.07%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.7%
EBIT Next 3Y10.87%
EBIT Next 5YN/A
FCF growth 1Y49.51%
FCF growth 3Y19.86%
FCF growth 5Y9.61%
OCF growth 1Y30.76%
OCF growth 3Y20.81%
OCF growth 5Y6.87%
HAL TRUST / HAL.AS FAQ
Can you provide the ChartMill fundamental rating for HAL TRUST?
ChartMill assigns a fundamental rating of 5 / 10 to HAL.AS.
What is the valuation status for HAL stock?
ChartMill assigns a valuation rating of 7 / 10 to HAL TRUST (HAL.AS). This can be considered as Undervalued.
What is the profitability of HAL stock?
HAL TRUST (HAL.AS) has a profitability rating of 6 / 10.
Can you provide the financial health for HAL stock?
The financial health rating of HAL TRUST (HAL.AS) is 5 / 10.
Can you provide the expected EPS growth for HAL stock?
The Earnings per Share (EPS) of HAL TRUST (HAL.AS) is expected to decline by -17.03% in the next year.