HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
152 EUR
+0.4 (+0.26%)
Taking everything into account, HAL scores 5 out of 10 in our fundamental rating. HAL was compared to 58 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make HAL suitable for value investing!
1. Profitability
1.1 Basic Checks
- HAL had positive earnings in the past year.
- HAL had a positive operating cash flow in the past year.
- In the past 5 years HAL has always been profitable.
- In the past 5 years HAL always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of HAL (6.27%) is better than 86.21% of its industry peers.
- HAL has a Return On Equity of 11.44%. This is in the better half of the industry: HAL outperforms 67.24% of its industry peers.
- HAL has a Return On Invested Capital of 7.40%. This is in the better half of the industry: HAL outperforms 72.41% of its industry peers.
- HAL had an Average Return On Invested Capital over the past 3 years of 4.86%. This is below the industry average of 8.80%.
- The 3 year average ROIC (4.86%) for HAL is below the current ROIC(7.40%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROIC | 7.4% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.82%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
1.3 Margins
- Looking at the Profit Margin, with a value of 13.14%, HAL is in line with its industry, outperforming 56.90% of the companies in the same industry.
- In the last couple of years the Profit Margin of HAL has declined.
- HAL has a Operating Margin (15.22%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of HAL has grown nicely.
- The Gross Margin of HAL (58.42%) is comparable to the rest of the 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-5.6%
GM growth 3Y-1.5%
GM growth 5Y-4.02%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HAL is destroying value.
- HAL has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, HAL has more shares outstanding
- Compared to 1 year ago, HAL has an improved debt to assets ratio.
2.2 Solvency
- HAL has an Altman-Z score of 1.64. This is a bad value and indicates that HAL is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.64, HAL is in line with its industry, outperforming 58.62% of the companies in the same industry.
- The Debt to FCF ratio of HAL is 4.10, which is a neutral value as it means it would take HAL, 4.10 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.10, HAL is in the better half of the industry, outperforming 70.69% of the companies in the same industry.
- HAL has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.31, HAL is doing good in the industry, outperforming 63.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.64 |
ROIC/WACC0.93
WACC7.93%
2.3 Liquidity
- HAL has a Current Ratio of 1.48. This is a normal value and indicates that HAL is financially healthy and should not expect problems in meeting its short term obligations.
- HAL has a better Current ratio (1.48) than 62.07% of its industry peers.
- A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
- HAL has a Quick ratio (1.30) which is in line with its industry peers.
| 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 79.49% 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 12.47% on average per year.
- The Revenue has been growing slightly by 4.38% in the past year.
- Measured over the past years, HAL shows a quite strong growth in Revenue. The Revenue has been growing by 19.38% on average per year.
EPS 1Y (TTM)79.49%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%100.95%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
3.2 Future
- HAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -8.99% yearly.
- 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.
- 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
- A Price/Earnings ratio of 7.97 indicates a rather cheap valuation of HAL.
- Based on the Price/Earnings ratio, HAL is valued cheaply inside the industry as 86.21% of the companies are valued more expensively.
- HAL is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.27, the valuation of HAL can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 63.79% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | 10.27 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HAL is valued cheaply inside the industry as 86.21% of the companies are valued more expensively.
- 65.52% of the companies in the same industry are more expensive than HAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.74 | ||
| EV/EBITDA | 3.65 |
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)0.64
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
5. Dividend
5.1 Amount
- HAL has a Yearly Dividend Yield of 2.00%. Purely for dividend investing, there may be better candidates out there.
- HAL's Dividend Yield is a higher than the industry average which is at 1.97.
- Compared to an average S&P500 Dividend Yield of 1.92, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
5.2 History
- The dividend of HAL has a limited annual growth rate of 3.12%.
Dividend Growth(5Y)3.12%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- HAL pays out 15.21% of its income as dividend. This is a sustainable payout ratio.
DP15.21%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
AMS:HAL (1/15/2026, 7:00:00 PM)
152
+0.4 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-26 2025-11-26
Earnings (Next)03-27 2026-03-27
Inst Owners1.27%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.74B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target167.28 (10.05%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
Yearly Dividend2.85
Dividend Growth(5Y)3.12%
DP15.21%
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)0%
PT rev (3m)2.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.97 | ||
| Fwd PE | 10.27 | ||
| P/S | 1.05 | ||
| P/FCF | 11.74 | ||
| P/OCF | 5.34 | ||
| P/B | 0.91 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | 3.65 |
EPS(TTM)19.08
EY12.55%
EPS(NY)14.81
Fwd EY9.74%
FCF(TTM)12.95
FCFY8.52%
OCF(TTM)28.47
OCFY18.73%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.64
Graham Number267.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.27% | ||
| ROE | 11.44% | ||
| ROCE | 9.15% | ||
| ROIC | 7.4% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 10.88% | ||
| OM | 15.22% | ||
| PM (TTM) | 13.14% | ||
| GM | 58.42% | ||
| FCFM | 8.92% |
ROA(3y)3.55%
ROA(5y)6.52%
ROE(3y)6.82%
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 3Y18.16%
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-5.6%
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 | 107.31% | ||
| Cap/Sales | 10.69% | ||
| Interest Coverage | 7.24 | ||
| Cash Conversion | 77.86% | ||
| Profit Quality | 67.88% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 1.64 |
F-Score8
WACC7.93%
ROIC/WACC0.93
Cap/Depr(3y)80.65%
Cap/Depr(5y)93.01%
Cap/Sales(3y)9.49%
Cap/Sales(5y)10.91%
Profit Quality(3y)106.36%
Profit Quality(5y)101.55%
High Growth Momentum
Growth
EPS 1Y (TTM)79.49%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%100.95%
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 1Y39.08%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.7%
EBIT Next 3Y10.87%
EBIT Next 5YN/A
FCF growth 1Y49.45%
FCF growth 3Y19.84%
FCF growth 5Y9.6%
OCF growth 1Y30.75%
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 of HAL TRUST (HAL.AS) stock?
ChartMill assigns a valuation rating of 7 / 10 to HAL TRUST (HAL.AS). This can be considered as Undervalued.
Can you provide the profitability details for HAL TRUST?
HAL TRUST (HAL.AS) has a profitability rating of 6 / 10.
What is the earnings growth outlook for HAL TRUST?
The Earnings per Share (EPS) of HAL TRUST (HAL.AS) is expected to decline by -17.03% in the next year.
How sustainable is the dividend of HAL TRUST (HAL.AS) stock?
The dividend rating of HAL TRUST (HAL.AS) is 4 / 10 and the dividend payout ratio is 15.21%.