HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
137.2 EUR
-0.4 (-0.29%)
We assign a fundamental rating of 6 out of 10 to HAL. HAL was compared to 52 industry peers in the Financial Services industry. HAL has an excellent profitability rating, but there are some minor concerns on its financial health. HAL scores decently on growth, while it is valued quite cheap. This could make an interesting 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.
HAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of HAL (6.27%) is better than 84.62% of its industry peers.
HAL's Return On Equity of 11.44% is fine compared to the rest of the industry. HAL outperforms 69.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.40%, HAL is in the better half of the industry, outperforming 71.15% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for HAL is below the industry average of 9.75%.
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)6.83%
ROE(5y)12.52%
ROIC(3y)4.86%
ROIC(5y)3.96%
1.3 Margins
The Profit Margin of HAL (13.14%) is better than 63.46% of its industry peers.
HAL's Profit Margin has declined in the last couple of years.
HAL has a better Operating Margin (15.22%) than 61.54% of its industry peers.
HAL's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 58.42%, HAL is doing good in the industry, outperforming 61.54% of the companies in the same industry.
HAL's Gross Margin has declined in the last couple of years.
| 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
HAL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for HAL has been reduced compared to 1 year ago.
The number of shares outstanding for HAL has been increased compared to 5 years ago.
The debt/assets ratio for HAL has been reduced compared to a year ago.
2.2 Solvency
HAL has an Altman-Z score of 1.58. This is a bad value and indicates that HAL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.58, HAL perfoms like the industry average, outperforming 55.77% 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.
The Debt to FCF ratio of HAL (4.10) is better than 65.38% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that HAL is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.31, HAL is in line with its industry, outperforming 57.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.58 |
ROIC/WACC1.02
WACC7.29%
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.
The Current ratio of HAL (1.48) is comparable to the rest of the industry.
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 80.06% over the past year.
HAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.56% yearly.
Looking at the last year, HAL shows a small growth in Revenue. The Revenue has grown by 4.38% in the last year.
The Revenue has been growing by 19.38% on average over the past years. This is quite good.
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 -7.61% on average per year.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y-17.37%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y3.78%
Revenue Next 3Y3.56%
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.
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 7.17 indicates a rather cheap valuation of HAL.
Based on the Price/Earnings ratio, HAL is valued cheaper than 86.54% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.07, HAL is valued rather cheaply.
A Price/Forward Earnings ratio of 9.99 indicates a reasonable valuation of HAL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HAL indicates a somewhat cheap valuation: HAL is cheaper than 67.31% of the companies listed in the same industry.
HAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.17 | ||
| Fwd PE | 9.99 |
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 82.69% of the companies listed in the same industry.
HAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HAL is cheaper than 69.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.59 | ||
| EV/EBITDA | 3.27 |
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 -7.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.11%, HAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.37, HAL pays a bit more dividend than its industry peers.
HAL's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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-12.57%
EPS Next 3Y-7.61%
AMS:HAL (11/21/2025, 4:20:01 PM)
137.2
-0.4 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.2%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.40B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target162.52 (18.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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)0%
PT rev (3m)10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.17 | ||
| Fwd PE | 9.99 | ||
| P/S | 0.95 | ||
| P/FCF | 10.59 | ||
| P/OCF | 4.82 | ||
| P/B | 0.82 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 3.27 |
EPS(TTM)19.14
EY13.95%
EPS(NY)13.74
Fwd EY10.01%
FCF(TTM)12.95
FCFY9.44%
OCF(TTM)28.47
OCFY20.75%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.57
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 | 1.58 |
F-Score8
WACC7.29%
ROIC/WACC1.02
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-17.37%
EPS Next 2Y-12.57%
EPS Next 3Y-7.61%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year4.19%
Revenue Next 2Y3.78%
Revenue Next 3Y3.56%
Revenue Next 5YN/A
EBIT growth 1Y39.07%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.74%
EBIT Next 3Y12.47%
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 6 / 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 7 / 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 -17.37% in the next year.