HAL TRUST (HAL.AS) Stock Fundamental Analysis
AMS:HAL - Euronext Amsterdam - BMG455841020 - Common Stock - Currency: EUR
Taking everything into account, HAL scores 5 out of 10 in our fundamental rating. HAL was compared to 51 industry peers in the Financial Services industry. Both the profitability and the financial health of HAL get a neutral evaluation. Nothing too spectacular is happening here. HAL has a decent growth rate and is not valued too expensively.
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
HAL has a better Return On Assets (4.42%) than 66.67% of its industry peers.
With a Return On Equity value of 8.19%, HAL perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
The Return On Invested Capital of HAL (5.74%) is better than 60.78% of its industry peers.
HAL had an Average Return On Invested Capital over the past 3 years of 4.86%. This is significantly below the industry average of 11.50%.
The 3 year average ROIC (4.86%) for HAL is below the current ROIC(5.74%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 8.19% | ||
| ROIC | 5.74% |
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
HAL has a Profit Margin (9.63%) which is comparable to the rest of the industry.
HAL's Profit Margin has declined in the last couple of years.
The Operating Margin of HAL (12.03%) is comparable to the rest of the industry.
HAL's Operating Margin has improved in the last couple of years.
HAL has a Gross Margin (55.45%) which 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 | 12.03% | ||
| PM (TTM) | 9.63% | ||
| GM | 55.45% |
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
HAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
HAL has about the same amout of shares outstanding than it did 1 year ago.
HAL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for HAL has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.40, we must say that HAL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.40, HAL is in line with its industry, outperforming 45.10% of the companies in the same industry.
HAL has a debt to FCF ratio of 3.70. This is a good value and a sign of high solvency as HAL would need 3.70 years to pay back of all of its debts.
HAL has a Debt to FCF ratio of 3.70. This is in the better half of the industry: HAL outperforms 72.55% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that HAL is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.28, HAL is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 3.7 | ||
| Altman-Z | 1.4 |
ROIC/WACC0.73
WACC7.87%
2.3 Liquidity
A Current Ratio of 1.37 indicates that HAL should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.37, HAL is doing good in the industry, outperforming 68.63% of the companies in the same industry.
A Quick Ratio of 1.19 indicates that HAL should not have too much problems paying its short term obligations.
HAL has a better Quick ratio (1.19) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.37 | ||
| Quick Ratio | 1.19 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.63% 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 12.47% yearly.
The Revenue has decreased by -0.60% in the past year.
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)19.63%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%55.23%
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%-0.03%
3.2 Future
Based on estimates for the next years, HAL will show a decrease in Earnings Per Share. The EPS will decrease by -6.33% on average per year.
HAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.37% yearly.
EPS Next Y-18.61%
EPS Next 2Y-6.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.9%
Revenue Next 2Y4.37%
Revenue Next 3YN/A
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
With a Price/Earnings ratio of 9.25, the valuation of HAL can be described as very reasonable.
Based on the Price/Earnings ratio, HAL is valued a bit cheaper than 76.47% of the companies in the same industry.
HAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.
A Price/Forward Earnings ratio of 8.47 indicates a reasonable valuation of HAL.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than the industry average as 78.43% of the companies are valued more expensively.
HAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.74.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
HAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. HAL is cheaper than 80.39% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 82.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.58 | ||
| EV/EBITDA | 3.33 |
4.3 Compensation for Growth
A cheap valuation may be justified as HAL's earnings are expected to decrease with -6.33% in the coming years.
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y-6.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.36%.
Compared to an average industry Dividend Yield of 3.51, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
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 21.29% of its income as dividend. This is a sustainable payout ratio.
DP21.29%
EPS Next 2Y-6.33%
EPS Next 3YN/A
AMS:HAL (7/8/2025, 9:35:48 AM)
123.8
-0.2 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.17%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap11.19B
Analysts80
Price Target147.56 (19.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.36% |
Yearly Dividend2.85
Dividend Growth(5Y)3.12%
DP21.29%
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)-1.59%
PT rev (3m)2.97%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 8.47 | ||
| P/S | 0.89 | ||
| P/FCF | 8.58 | ||
| P/OCF | 4.26 | ||
| P/B | 0.76 | ||
| P/tB | 1 | ||
| EV/EBITDA | 3.33 |
EPS(TTM)13.39
EY10.82%
EPS(NY)14.62
Fwd EY11.81%
FCF(TTM)14.42
FCFY11.65%
OCF(TTM)29.04
OCFY23.45%
SpS139.04
BVpS163.51
TBVpS124.05
PEG (NY)N/A
PEG (5Y)0.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.42% | ||
| ROE | 8.19% | ||
| ROCE | 7.02% | ||
| ROIC | 5.74% | ||
| ROICexc | 7.14% | ||
| ROICexgc | 8.93% | ||
| OM | 12.03% | ||
| PM (TTM) | 9.63% | ||
| GM | 55.45% | ||
| FCFM | 10.37% |
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%
ROICexcg growth 3Y18.16%
ROICexcg 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-Score6
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 3.7 | ||
| Debt/EBITDA | 1.48 | ||
| Cap/Depr | 101.01% | ||
| Cap/Sales | 10.51% | ||
| Interest Coverage | 7.57 | ||
| Cash Conversion | 93.08% | ||
| Profit Quality | 107.75% | ||
| Current Ratio | 1.37 | ||
| Quick Ratio | 1.19 | ||
| Altman-Z | 1.4 |
F-Score6
WACC7.87%
ROIC/WACC0.73
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)19.63%
EPS 3Y-34.15%
EPS 5Y12.47%
EPS Q2Q%55.23%
EPS Next Y-18.61%
EPS Next 2Y-6.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.6%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%-0.03%
Revenue Next Year4.9%
Revenue Next 2Y4.37%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.36%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year34.17%
EBIT Next 3Y11.91%
EBIT Next 5YN/A
FCF growth 1Y3.77%
FCF growth 3Y19.84%
FCF growth 5Y9.6%
OCF growth 1Y8.66%
OCF growth 3Y20.81%
OCF growth 5Y6.87%