HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
138.2 EUR
-1.8 (-1.29%)
HAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 59 industry peers in the Financial Services industry. HAL has an average financial health and profitability rating. HAL may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make HAL a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year HAL was profitable.
HAL had a positive operating cash flow in the past year.
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 6.27%. This is amongst the best in the industry. HAL outperforms 83.05% of its industry peers.
With a decent Return On Equity value of 11.44%, HAL is doing good in the industry, outperforming 62.71% of the companies in the same industry.
HAL's Return On Invested Capital of 7.40% is fine compared to the rest of the industry. HAL outperforms 69.49% of its industry peers.
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
With a Profit Margin value of 13.14%, HAL perfoms like the industry average, outperforming 55.93% of the companies in the same industry.
HAL's Profit Margin has declined in the last couple of years.
HAL's Operating Margin of 15.22% is in line compared to the rest of the industry. HAL outperforms 54.24% of its industry peers.
In the last couple of years the Operating Margin of HAL has grown nicely.
HAL has a Gross Margin (58.42%) 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 | 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.
Compared to 1 year ago, HAL has less shares outstanding
The number of shares outstanding for HAL has been increased compared to 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 1.59, we must say that HAL is in the distress zone and has some risk of bankruptcy.
HAL has a Altman-Z score (1.59) which is in line with its industry peers.
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.
The Debt to FCF ratio of HAL (4.10) is better than 67.80% of its industry peers.
HAL has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
HAL's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. HAL outperforms 64.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.59 |
ROIC/WACC1.01
WACC7.31%
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 better than 62.71% 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 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.
The Earnings Per Share has been growing by 12.56% on average over the past years. This is quite good.
The Revenue has been growing slightly by 4.38% 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)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 -8.99% on average per year.
HAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.32% yearly.
EPS Next Y-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
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
A Price/Earnings ratio of 7.22 indicates a rather cheap valuation of HAL.
Based on the Price/Earnings ratio, HAL is valued cheaply inside the industry as 86.44% of the companies are valued more expensively.
HAL is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.33, which indicates a very decent valuation of HAL.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 71.19% of the companies in the same industry.
HAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
84.75% of the companies in the same industry are more expensive than HAL, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HAL indicates a somewhat cheap valuation: HAL is cheaper than 69.49% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.67 | ||
| EV/EBITDA | 3.29 |
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 -8.99% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
5. Dividend
5.1 Amount
HAL has a Yearly Dividend Yield of 2.07%.
HAL's Dividend Yield is a higher than the industry average which is at 2.01.
HAL's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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-9.22%
EPS Next 3Y-8.99%
AMS:HAL (12/19/2025, 7:00:00 PM)
138.2
-1.8 (-1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.27%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap12.49B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target167.28 (21.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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)2.93%
PT rev (3m)2.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.41%
EPS NY rev (3m)23.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 9.33 | ||
| P/S | 0.95 | ||
| P/FCF | 10.67 | ||
| P/OCF | 4.85 | ||
| P/B | 0.83 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 3.29 |
EPS(TTM)19.14
EY13.85%
EPS(NY)14.81
Fwd EY10.71%
FCF(TTM)12.95
FCFY9.37%
OCF(TTM)28.47
OCFY20.6%
SpS145.16
BVpS166.7
TBVpS131.13
PEG (NY)N/A
PEG (5Y)0.58
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 | 1.59 |
F-Score8
WACC7.31%
ROIC/WACC1.01
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-17.03%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)4.38%
Revenue growth 3Y19.62%
Revenue growth 5Y19.38%
Sales Q2Q%8.95%
Revenue Next Year4.3%
Revenue Next 2Y4.1%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y39.07%
EBIT growth 3Y27.88%
EBIT growth 5Y24.64%
EBIT Next Year50.7%
EBIT Next 3Y10.87%
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 5 / 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 6 / 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 -17.03% in the next year.