KBC ANCORA (KBCA.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:KBCA - BE0003867844 - Common Stock
73.75 EUR
+0.45 (+0.61%)
KBCA gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. KBCA scores excellent points on both the profitability and health parts. This is a solid base for a good stock. KBCA has a correct valuation and a medium growth rate. With these ratings, KBCA could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year KBCA was profitable.
In the past year KBCA had a positive cash flow from operations.
In the past 5 years KBCA has always been profitable.
KBCA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
KBCA has a better Return On Assets (8.71%) than 100.00% of its industry peers.
With a Return On Equity value of 8.95%, KBCA perfoms like the industry average, outperforming 40.57% of the companies in the same industry.
KBCA has a better Return On Invested Capital (6.53%) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.71% | ||
| ROE | 8.95% | ||
| ROIC | 6.53% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
KBCA's Profit Margin of 97.83% is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
In the last couple of years the Profit Margin of KBCA has grown nicely.
Looking at the Operating Margin, with a value of 97.83%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
KBCA's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 98.66%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Gross Margin of KBCA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 97.83% | ||
| PM (TTM) | 97.83% | ||
| GM | 98.66% |
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
2. Health
2.1 Basic Checks
The number of shares outstanding for KBCA remains at a similar level compared to 1 year ago.
The number of shares outstanding for KBCA has been reduced compared to 5 years ago.
Compared to 1 year ago, KBCA has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 34.06 indicates that KBCA is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 34.06, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
KBCA has a debt to FCF ratio of 0.31. This is a very positive value and a sign of high solvency as it would only need 0.31 years to pay back of all of its debts.
KBCA's Debt to FCF ratio of 0.31 is amongst the best of the industry. KBCA outperforms 99.06% of its industry peers.
KBCA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.03, KBCA belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.31 | ||
| Altman-Z | 34.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 52.73 indicates that KBCA has no problem at all paying its short term obligations.
KBCA has a better Current ratio (52.73) than 100.00% of its industry peers.
KBCA has a Quick Ratio of 52.73. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.
KBCA's Quick ratio of 52.73 is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 52.73 | ||
| Quick Ratio | 52.73 |
3. Growth
3.1 Past
KBCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.41%.
The Earnings Per Share has been growing by 39.36% on average over the past years. This is a very strong growth
Looking at the last year, KBCA shows a very negative growth in Revenue. The Revenue has decreased by -14.55% in the last year.
KBCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 33.02% yearly.
EPS 1Y (TTM)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%
3.2 Future
Based on estimates for the next years, KBCA will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.59% on average per year.
KBCA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.99% yearly.
EPS Next Y11.37%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EPS Next 5YN/A
Revenue Next Year11.26%
Revenue Next 2Y10.32%
Revenue Next 3Y10.99%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.99, the valuation of KBCA can be described as rather expensive.
Based on the Price/Earnings ratio, KBCA is valued expensively inside the industry as 87.74% of the companies are valued cheaper.
KBCA is valuated rather cheaply when we compare the Price/Earnings ratio to 26.26, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 13.67, the valuation of KBCA can be described as correct.
KBCA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. KBCA is more expensive than 77.36% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of KBCA to the average of the S&P500 Index (23.68), we can say KBCA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.99 | ||
| Fwd PE | 13.67 |
4.2 Price Multiples
66.98% of the companies in the same industry are more expensive than KBCA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
KBCA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The excellent profitability rating of KBCA may justify a higher PE ratio.
PEG (NY)1.58
PEG (5Y)0.46
EPS Next 2Y10.88%
EPS Next 3Y11.59%
5. Dividend
5.1 Amount
KBCA has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
KBCA's Dividend Yield is slightly below the industry average, which is at 4.33.
Compared to an average S&P500 Dividend Yield of 1.87, KBCA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
5.2 History
On average, the dividend of KBCA grows each year by 6.08%, which is quite nice.
Dividend Growth(5Y)6.08%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
85.44% of the earnings are spent on dividend by KBCA. This is not a sustainable payout ratio.
KBCA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP85.44%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EBR:KBCA (12/19/2025, 12:09:15 PM)
73.75
+0.45 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners10.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.68B
Revenue(TTM)323.00M
Net Income(TTM)316.00M
Analysts82.86
Price Target86.7 (17.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
Yearly Dividend3.51
Dividend Growth(5Y)6.08%
DP85.44%
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)41.67%
PT rev (3m)41.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)14.25%
EPS NY rev (3m)14.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)14.01%
Revenue NY rev (3m)14.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.99 | ||
| Fwd PE | 13.67 | ||
| P/S | 17.58 | ||
| P/FCF | 17.8 | ||
| P/OCF | 17.8 | ||
| P/B | 1.61 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.1
EY5.56%
EPS(NY)5.4
Fwd EY7.32%
FCF(TTM)4.14
FCFY5.62%
OCF(TTM)4.14
OCFY5.62%
SpS4.19
BVpS45.81
TBVpS45.81
PEG (NY)1.58
PEG (5Y)0.46
Graham Number65.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.71% | ||
| ROE | 8.95% | ||
| ROCE | 8.71% | ||
| ROIC | 6.53% | ||
| ROICexc | 6.53% | ||
| ROICexgc | 6.53% | ||
| OM | 97.83% | ||
| PM (TTM) | 97.83% | ||
| GM | 98.66% | ||
| FCFM | 98.76% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-27.06%
ROICexgc growth 5Y34.51%
ROICexc growth 3Y-27.06%
ROICexc growth 5Y34.51%
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 77.07 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.95% | ||
| Current Ratio | 52.73 | ||
| Quick Ratio | 52.73 | ||
| Altman-Z | 34.06 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
EPS Next Y11.37%
EPS Next 2Y10.88%
EPS Next 3Y11.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%
Revenue Next Year11.26%
Revenue Next 2Y10.32%
Revenue Next 3Y10.99%
Revenue Next 5YN/A
EBIT growth 1Y-14.13%
EBIT growth 3Y-26.86%
EBIT growth 5Y38.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-15.83%
FCF growth 3Y-26.92%
FCF growth 5Y39.26%
OCF growth 1Y-15.83%
OCF growth 3Y-26.92%
OCF growth 5Y39.26%
KBC ANCORA / KBCA.BR FAQ
Can you provide the ChartMill fundamental rating for KBC ANCORA?
ChartMill assigns a fundamental rating of 7 / 10 to KBCA.BR.
What is the valuation status for KBCA stock?
ChartMill assigns a valuation rating of 4 / 10 to KBC ANCORA (KBCA.BR). This can be considered as Fairly Valued.
Can you provide the profitability details for KBC ANCORA?
KBC ANCORA (KBCA.BR) has a profitability rating of 8 / 10.
How financially healthy is KBC ANCORA?
The financial health rating of KBC ANCORA (KBCA.BR) is 9 / 10.
Is the dividend of KBC ANCORA sustainable?
The dividend rating of KBC ANCORA (KBCA.BR) is 4 / 10 and the dividend payout ratio is 85.44%.