HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - AMS:HAL - BMG455841020 - Common Stock
137.4 EUR
-1 (-0.72%)
HAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year HAL was profitable.
HAL had a positive operating cash flow in the past year.
In the past 5 years HAL has always been profitable.
Each year in the past 5 years HAL had a positive operating cash flow.
1.2 Ratios
HAL has a better Return On Assets (6.27%) than 80.43% of its industry peers.
HAL has a better Return On Equity (11.44%) than 60.87% of its industry peers.
HAL has a better Return On Invested Capital (7.40%) than 63.04% 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 10.06%.
The last Return On Invested Capital (7.40%) for HAL is above the 3 year average (4.86%), which is a sign of increasing profitability.
| 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
With a Profit Margin value of 13.14%, HAL perfoms like the industry average, outperforming 56.52% of the companies in the same industry.
HAL's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 15.22%, HAL perfoms like the industry average, outperforming 54.35% of the companies in the same industry.
In the last couple of years the Operating Margin of HAL has grown nicely.
HAL has a Gross Margin of 58.42%. This is comparable to the rest of the industry: HAL outperforms 56.52% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HAL is destroying value.
The number of shares outstanding for HAL remains at a similar level compared to 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
HAL has an Altman-Z score of 1.59. 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 1.59, HAL is in line with its industry, outperforming 50.00% 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 67.39% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that HAL is not too dependend on debt financing.
HAL has a Debt to Equity ratio (0.31) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.59 |
ROIC/WACC0.97
WACC7.65%
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 Current ratio of 1.48. This is in the better half of the industry: HAL outperforms 60.87% 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.
With a Quick ratio value of 1.30, HAL perfoms like the industry average, outperforming 52.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
HAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 79.49%, which is quite impressive.
HAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.47% yearly.
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 -8.83% on average per year.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y-32.66%
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
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.
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
HAL is valuated cheaply with a Price/Earnings ratio of 7.20.
HAL's Price/Earnings ratio is rather cheap when compared to the industry. HAL is cheaper than 80.43% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.20. HAL is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.38, the valuation of HAL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 67.39% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HAL to the average of the S&P500 Index (22.71), we can say HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 10.38 |
4.2 Price Multiples
76.09% of the companies in the same industry are more expensive than HAL, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, HAL is valued a bit cheaper than the industry average as 69.57% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.61 | ||
| EV/EBITDA | 3.29 |
4.3 Compensation for Growth
HAL has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as HAL's earnings are expected to decrease with -8.83% in the coming years.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.01%.
HAL's Dividend Yield is comparable with the industry average which is at 3.73.
HAL's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
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
15.21% of the earnings are spent on dividend by HAL. This is a low number and sustainable payout ratio.
DP15.21%
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
AMS:HAL (9/16/2025, 7:00:00 PM)
137.4
-1 (-0.72%)
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 Cap12.42B
Analysts82.86
Price Target162.52 (18.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
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)10.14%
PT rev (3m)10.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-17.27%
EPS NY rev (3m)-17.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.2 | ||
| Fwd PE | 10.38 | ||
| P/S | 0.95 | ||
| P/FCF | 10.61 | ||
| P/OCF | 4.83 | ||
| P/B | 0.82 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 3.29 |
EPS(TTM)19.08
EY13.89%
EPS(NY)13.23
Fwd EY9.63%
FCF(TTM)12.95
FCFY9.42%
OCF(TTM)28.47
OCFY20.72%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.58
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 | 1.59 |
F-Score8
WACC7.65%
ROIC/WACC0.97
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-32.66%
EPS Next 2Y-14.19%
EPS Next 3Y-8.83%
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 Year34.17%
EBIT Next 3Y11.91%
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%