HAL TRUST (HAL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:HAL - BMG455841020 - Common Stock
138.6 EUR
-1 (-0.72%)
Overall HAL gets a fundamental rating of 5 out of 10. We evaluated HAL against 57 industry peers in the Financial Services industry. HAL has only an average score on both its financial health and profitability. HAL may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, HAL could be worth investigating further 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.
In the past 5 years HAL has always been profitable.
In the past 5 years HAL always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.27%, HAL belongs to the top of the industry, outperforming 82.46% of the companies in the same industry.
The Return On Equity of HAL (11.44%) is better than 64.91% of its industry peers.
The Return On Invested Capital of HAL (7.40%) is better than 68.42% 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 11.23%.
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 57.89% of the companies in the same industry.
In the last couple of years the Profit Margin of HAL has declined.
HAL has a Operating Margin of 15.22%. This is comparable to the rest of the industry: HAL outperforms 56.14% 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.
HAL's Gross Margin has declined in the last couple of years.
| 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
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 less shares outstanding
Compared to 5 years ago, HAL has more shares outstanding
Compared to 1 year ago, HAL has an improved debt to assets ratio.
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.
HAL has a Altman-Z score of 1.59. This is comparable to the rest of the industry: HAL outperforms 56.14% of its industry peers.
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 68.42% of its industry peers.
A Debt/Equity ratio of 0.31 indicates that HAL is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.31, HAL is doing good in the industry, outperforming 63.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 4.1 | ||
| Altman-Z | 1.59 |
ROIC/WACC1.01
WACC7.34%
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 fine compared to the rest of the industry. HAL outperforms 61.40% of its industry peers.
A Quick Ratio of 1.30 indicates that HAL should not have too much problems paying its short term obligations.
HAL has a Quick ratio (1.30) which is comparable to the rest of the 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 80.06%, which is quite impressive.
Measured over the past years, HAL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.56% 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.
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
The Earnings Per Share is expected to decrease by -8.99% on average over the next years.
Based on estimates for the next years, HAL will show a small growth in Revenue. The Revenue will grow by 3.32% on average per year.
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
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 7.24, the valuation of HAL can be described as very cheap.
87.72% of the companies in the same industry are more expensive than HAL, based on the Price/Earnings ratio.
HAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
The Price/Forward Earnings ratio is 9.36, which indicates a very decent valuation of HAL.
Based on the Price/Forward Earnings ratio, HAL is valued a bit cheaper than 70.18% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HAL to the average of the S&P500 Index (23.78), we can say HAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.24 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
84.21% of the companies in the same industry are more expensive than HAL, based on the Enterprise Value to EBITDA ratio.
HAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HAL is cheaper than 68.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| EV/EBITDA | 3.33 |
4.3 Compensation for Growth
The decent profitability rating of HAL 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 2.09%.
HAL's Dividend Yield is a higher than the industry average which is at 1.97.
HAL's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
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
15.23% of the earnings are spent on dividend by HAL. This is a low number and sustainable payout ratio.
DP15.23%
EPS Next 2Y-9.22%
EPS Next 3Y-8.99%
AMS:HAL (12/15/2025, 7:00:00 PM)
138.6
-1 (-0.72%)
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 Cap12.53B
Revenue(TTM)13.12B
Net Income(TTM)1.72B
Analysts82.86
Price Target167.28 (20.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
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 | 7.24 | ||
| Fwd PE | 9.36 | ||
| P/S | 0.95 | ||
| P/FCF | 10.7 | ||
| P/OCF | 4.87 | ||
| P/B | 0.83 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 3.33 |
EPS(TTM)19.14
EY13.81%
EPS(NY)14.81
Fwd EY10.68%
FCF(TTM)12.95
FCFY9.34%
OCF(TTM)28.47
OCFY20.54%
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
WACC7.34%
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.