HAL TRUST (HAL.AS) Stock Fundamental Analysis
AMS:HAL - Euronext Amsterdam - BMG455841020 - Common Stock - Currency: EUR
Overall HAL gets a fundamental rating of 5 out of 10. We evaluated HAL against 51 industry peers in the Financial Services industry. HAL has an average financial health and profitability rating. HAL is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years HAL has been profitable.
In the past 5 years HAL always reported a positive cash flow from operatings.
1.2 Ratios
HAL has a Return On Assets of 4.42%. This is in the better half of the industry: HAL outperforms 64.71% of its industry peers.
HAL's Return On Equity of 8.19% is in line compared to the rest of the industry. HAL outperforms 50.98% of its industry peers.
HAL has a Return On Invested Capital of 5.74%. This is in the better half of the industry: HAL outperforms 62.75% 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 10.89%.
The last Return On Invested Capital (5.74%) for HAL is above the 3 year average (4.86%), which is a sign of increasing profitability.
| 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.
In the last couple of years the Profit Margin of HAL has declined.
With a Operating Margin value of 12.03%, HAL perfoms like the industry average, outperforming 56.86% of the companies in the same industry.
HAL's Operating Margin has improved in the last couple of years.
HAL's Gross Margin of 55.45% is in line compared to the rest of the industry. HAL outperforms 58.82% of its industry peers.
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
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.
HAL has more shares outstanding than it did 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 1.37, we must say that HAL is in the distress zone and has some risk of bankruptcy.
HAL has a Altman-Z score (1.37) which is in line with its industry peers.
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's Debt to FCF ratio of 3.70 is fine compared to the rest 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.
The Debt to Equity ratio of HAL (0.28) is better than 62.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 3.7 | ||
| Altman-Z | 1.37 |
ROIC/WACC0.48
WACC11.97%
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 64.71% of the companies in the same industry.
HAL has a Quick Ratio of 1.19. 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 Quick ratio (1.19) than 62.75% 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.
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.
Looking at the last year, HAL shows a decrease in Revenue. The Revenue has decreased by -0.60% in the last 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)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.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 4.37% on average per year.
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.
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 8.65 indicates a reasonable valuation of HAL.
Based on the Price/Earnings ratio, HAL is valued a bit cheaper than the industry average as 68.63% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.79. HAL is valued rather cheaply when compared to this.
HAL is valuated cheaply with a Price/Forward Earnings ratio of 7.92.
Based on the Price/Forward Earnings ratio, HAL is valued cheaply inside the industry as 80.39% 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 21.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 7.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HAL is valued cheaply inside the industry as 82.35% of the companies are valued more expensively.
76.47% 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 | 8.03 | ||
| EV/EBITDA | 3.07 |
4.3 Compensation for Growth
HAL's earnings are expected to decrease with -6.33% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.69
EPS Next 2Y-6.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.53%, HAL has a reasonable but not impressive dividend return.
HAL's Dividend Yield is a higher than the industry average which is at 3.81.
Compared to an average S&P500 Dividend Yield of 2.47, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
5.2 History
The dividend of HAL has a limited annual growth rate of 3.12%.
Dividend Growth(5Y)3.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
21.29% of the earnings are spent on dividend by HAL. This is a low number and sustainable payout ratio.
DP21.29%
EPS Next 2Y-6.33%
EPS Next 3YN/A
AMS:HAL (4/25/2025, 7:00:00 PM)
115.8
+1 (+0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap10.46B
Analysts76.67
Price Target149.94 (29.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.53% |
Yearly Dividend2.85
Dividend Growth(5Y)3.12%
DP21.29%
Div Incr Years0
Div Non Decr Years0
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)1.38%
PT rev (3m)1.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)20.47%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.53%
Revenue NY rev (3m)1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.65 | ||
| Fwd PE | 7.92 | ||
| P/S | 0.83 | ||
| P/FCF | 8.03 | ||
| P/OCF | 3.99 | ||
| P/B | 0.71 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | 3.07 |
EPS(TTM)13.39
EY11.56%
EPS(NY)14.62
Fwd EY12.63%
FCF(TTM)14.42
FCFY12.46%
OCF(TTM)29.04
OCFY25.07%
SpS139.04
BVpS163.51
TBVpS124.05
PEG (NY)N/A
PEG (5Y)0.69
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 | 1.37 |
F-Score6
WACC11.97%
ROIC/WACC0.48
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 Year35.87%
EBIT Next 3YN/A
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%