HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
136 EUR
+0.8 (+0.59%)
Taking everything into account, HAL scores 5 out of 10 in our fundamental rating. HAL was compared to 50 industry peers in the Financial Services industry. While HAL has a great profitability rating, 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.
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.
Each year in the past 5 years HAL has been profitable.
HAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.27%, HAL belongs to the top of the industry, outperforming 86.00% of the companies in the same industry.
The Return On Equity of HAL (11.44%) is better than 68.00% of its industry peers.
HAL has a better Return On Invested Capital (7.40%) than 72.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HAL is below the industry average of 8.73%.
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
HAL has a Profit Margin of 13.14%. This is in the better half of the industry: HAL outperforms 66.00% 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 62.00% of 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 better than 62.00% of its industry peers.
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) just above the Cost of Capital (WACC), HAL is creating some value.
Compared to 1 year ago, HAL has about the same amount of shares outstanding.
Compared to 5 years ago, HAL has more shares outstanding
HAL has a better debt/assets ratio than last year.
2.2 Solvency
HAL has an Altman-Z score of 1.57. This is a bad value and indicates that HAL is not financially healthy and even has some risk of bankruptcy.
HAL has a Altman-Z score (1.57) which is comparable to the rest of the industry.
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 Debt to FCF ratio of 4.10. This is in the better half of the industry: HAL outperforms 68.00% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that HAL is not too dependend on debt financing.
The Debt to Equity ratio of HAL (0.31) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.57 |
ROIC/WACC1.03
WACC7.2%
2.3 Liquidity
A Current Ratio of 1.48 indicates that HAL should not have too much problems paying its short term obligations.
HAL's Current ratio of 1.48 is in line compared to the rest of the industry. HAL outperforms 54.00% of its industry peers.
HAL has a Quick Ratio of 1.30. This is a normal value and indicates that HAL is financially healthy and should not expect problems in meeting its short term obligations.
HAL's Quick ratio of 1.30 is in line compared to the rest of the industry. HAL outperforms 48.00% of 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.
Looking at the last year, HAL shows a small growth in Revenue. The Revenue has grown by 4.38% 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)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
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
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
HAL is valuated cheaply with a Price/Earnings ratio of 7.13.
Compared to the rest of the industry, the Price/Earnings ratio of HAL indicates a rather cheap valuation: HAL is cheaper than 86.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.69. HAL is valued rather cheaply when compared to this.
HAL is valuated reasonably with a Price/Forward Earnings ratio of 9.90.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 72.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.18. HAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.13 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HAL is valued cheaper than 82.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than the industry average as 72.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.51 | ||
| EV/EBITDA | 3.21 |
4.3 Compensation for Growth
HAL has a very decent profitability rating, which may justify a higher PE ratio.
HAL's earnings are expected to decrease with -7.61% in the coming years. This may justify a cheaper valuation.
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 2.13%, HAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.62, HAL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, HAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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-12.57%
EPS Next 3Y-7.61%
AMS:HAL (10/20/2025, 7:00:00 PM)
136
+0.8 (+0.59%)
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 Cap12.29B
Analysts82.86
Price Target162.52 (19.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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)10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)22.7%
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)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.13 | ||
| Fwd PE | 9.9 | ||
| P/S | 0.94 | ||
| P/FCF | 10.51 | ||
| P/OCF | 4.78 | ||
| P/B | 0.82 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | 3.21 |
EPS(TTM)19.08
EY14.03%
EPS(NY)13.74
Fwd EY10.1%
FCF(TTM)12.95
FCFY9.52%
OCF(TTM)28.47
OCFY20.93%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.57
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%
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-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 | 1.57 |
F-Score8
WACC7.2%
ROIC/WACC1.03
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-17.37%
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 1Y39.08%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.74%
EBIT Next 3Y12.47%
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%