XIOR STUDENT HOUSING NV (XIOR.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:XIOR - BE0974288202 - REIT
28.25 EUR
+0.25 (+0.89%)
XIOR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 4 industry peers in the Residential REITs industry. There are concerns on the financial health of XIOR while its profitability can be described as average. XIOR is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
XIOR had positive earnings in the past year.
XIOR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: XIOR reported negative net income in multiple years.
Each year in the past 5 years XIOR had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.83%, XIOR perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
XIOR has a Return On Equity of 1.76%. This is comparable to the rest of the industry: XIOR outperforms 50.00% of its industry peers.
The Return On Invested Capital of XIOR (2.38%) is worse than 75.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XIOR is in line with the industry average of 2.84%.
The 3 year average ROIC (2.31%) for XIOR is below the current ROIC(2.38%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 1.76% | ||
| ROIC | 2.38% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.3%
ROE(5y)3.52%
ROIC(3y)2.31%
ROIC(5y)2.45%
1.3 Margins
With a Profit Margin value of 14.71%, XIOR perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
XIOR's Profit Margin has improved in the last couple of years.
XIOR has a Operating Margin (45.25%) which is in line with its industry peers.
In the last couple of years the Operating Margin of XIOR has declined.
With a decent Gross Margin value of 85.92%, XIOR is doing good in the industry, outperforming 75.00% of the companies in the same industry.
In the last couple of years the Gross Margin of XIOR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 45.25% | ||
| PM (TTM) | 14.71% | ||
| GM | 85.92% |
OM growth 3Y-6.18%
OM growth 5Y-4.99%
PM growth 3Y-27.18%
PM growth 5Y18.23%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so XIOR is destroying value.
XIOR has more shares outstanding than it did 1 year ago.
XIOR has more shares outstanding than it did 5 years ago.
XIOR has a better debt/assets ratio than last year.
2.2 Solvency
XIOR has an Altman-Z score of 0.55. This is a bad value and indicates that XIOR is not financially healthy and even has some risk of bankruptcy.
XIOR has a Altman-Z score of 0.55. This is in the lower half of the industry: XIOR underperforms 75.00% of its industry peers.
XIOR has a debt to FCF ratio of 23.18. This is a negative value and a sign of low solvency as XIOR would need 23.18 years to pay back of all of its debts.
XIOR's Debt to FCF ratio of 23.18 is in line compared to the rest of the industry. XIOR outperforms 50.00% of its industry peers.
XIOR has a Debt/Equity ratio of 0.94. This is a neutral value indicating XIOR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.94, XIOR perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.94 | ||
| Debt/FCF | 23.18 | ||
| Altman-Z | 0.55 |
ROIC/WACC0.48
WACC4.99%
2.3 Liquidity
A Current Ratio of 0.55 indicates that XIOR may have some problems paying its short term obligations.
XIOR has a Current ratio (0.55) which is in line with its industry peers.
XIOR has a Quick Ratio of 0.55. This is a bad value and indicates that XIOR is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of XIOR (0.55) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.55 | ||
| Quick Ratio | 0.55 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 34.78% over the past year.
XIOR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.34% yearly.
Looking at the last year, XIOR shows a very negative growth in Revenue. The Revenue has decreased by -11.23% in the last year.
Measured over the past years, XIOR shows a very strong growth in Revenue. The Revenue has been growing by 30.12% on average per year.
EPS 1Y (TTM)34.78%
EPS 3Y-21.23%
EPS 5Y26.34%
EPS Q2Q%111.59%
Revenue 1Y (TTM)-11.23%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%14.03%
3.2 Future
The Earnings Per Share is expected to grow by 0.32% on average over the next years.
Based on estimates for the next years, XIOR will show a small growth in Revenue. The Revenue will grow by 5.70% on average per year.
EPS Next Y-0.89%
EPS Next 2Y0.95%
EPS Next 3Y1.98%
EPS Next 5Y0.32%
Revenue Next Year9.25%
Revenue Next 2Y8.44%
Revenue Next 3Y7.64%
Revenue Next 5Y5.7%
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
XIOR is valuated rather expensively with a Price/Earnings ratio of 20.18.
XIOR's Price/Earnings is on the same level as the industry average.
XIOR is valuated rather 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 12.25, which indicates a correct valuation of XIOR.
Based on the Price/Forward Earnings ratio, XIOR is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.84. XIOR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.18 | ||
| Fwd PE | 12.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, XIOR is valued a bit more expensive than 75.00% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as XIOR.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.55 | ||
| EV/EBITDA | 32.06 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y0.95%
EPS Next 3Y1.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.12%, XIOR is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.33, XIOR is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.87, XIOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
5.2 History
The dividend of XIOR is nicely growing with an annual growth rate of 20.23%!
Dividend Growth(5Y)20.23%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
91.03% of the earnings are spent on dividend by XIOR. This is not a sustainable payout ratio.
The dividend of XIOR is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP91.03%
EPS Next 2Y0.95%
EPS Next 3Y1.98%
EBR:XIOR (12/22/2025, 5:35:30 PM)
28.25
+0.25 (+0.89%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)
Earnings (Next)
Inst Owners24.86%
Inst Owner ChangeN/A
Ins Owners10.94%
Ins Owner ChangeN/A
Market Cap1.32B
Revenue(TTM)214.37M
Net Income(TTM)30.76M
Analysts81.25
Price Target36.72 (29.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
Yearly Dividend1.15
Dividend Growth(5Y)20.23%
DP91.03%
Div Incr Years2
Div Non Decr Years2
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)3.23%
PT rev (3m)2.13%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.18 | ||
| Fwd PE | 12.25 | ||
| P/S | 6.31 | ||
| P/FCF | 17.55 | ||
| P/OCF | 17.3 | ||
| P/B | 0.76 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | 32.06 |
EPS(TTM)1.4
EY4.96%
EPS(NY)2.31
Fwd EY8.16%
FCF(TTM)1.61
FCFY5.7%
OCF(TTM)1.63
OCFY5.78%
SpS4.48
BVpS37.39
TBVpS37.27
PEG (NY)N/A
PEG (5Y)0.77
Graham Number34.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 1.76% | ||
| ROCE | 2.72% | ||
| ROIC | 2.38% | ||
| ROICexc | 2.38% | ||
| ROICexgc | 2.39% | ||
| OM | 45.25% | ||
| PM (TTM) | 14.71% | ||
| GM | 85.92% | ||
| FCFM | 35.96% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.3%
ROE(5y)3.52%
ROIC(3y)2.31%
ROIC(5y)2.45%
ROICexc(3y)2.31%
ROICexc(5y)2.46%
ROICexgc(3y)2.32%
ROICexgc(5y)2.47%
ROCE(3y)2.63%
ROCE(5y)2.8%
ROICexgc growth 3Y-0.81%
ROICexgc growth 5Y1.1%
ROICexc growth 3Y-0.86%
ROICexc growth 5Y1.07%
OM growth 3Y-6.18%
OM growth 5Y-4.99%
PM growth 3Y-27.18%
PM growth 5Y18.23%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.94 | ||
| Debt/FCF | 23.18 | ||
| Debt/EBITDA | 17.23 | ||
| Cap/Depr | 320.59% | ||
| Cap/Sales | 0.52% | ||
| Interest Coverage | 1.89 | ||
| Cash Conversion | 80.34% | ||
| Profit Quality | 244.44% | ||
| Current Ratio | 0.55 | ||
| Quick Ratio | 0.55 | ||
| Altman-Z | 0.55 |
F-Score4
WACC4.99%
ROIC/WACC0.48
Cap/Depr(3y)535.32%
Cap/Depr(5y)391.82%
Cap/Sales(3y)1.99%
Cap/Sales(5y)1.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.78%
EPS 3Y-21.23%
EPS 5Y26.34%
EPS Q2Q%111.59%
EPS Next Y-0.89%
EPS Next 2Y0.95%
EPS Next 3Y1.98%
EPS Next 5Y0.32%
Revenue 1Y (TTM)-11.23%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%14.03%
Revenue Next Year9.25%
Revenue Next 2Y8.44%
Revenue Next 3Y7.64%
Revenue Next 5Y5.7%
EBIT growth 1Y-49.95%
EBIT growth 3Y20.24%
EBIT growth 5Y23.63%
EBIT Next Year10.56%
EBIT Next 3Y8.11%
EBIT Next 5Y5.01%
FCF growth 1Y26.59%
FCF growth 3Y21.7%
FCF growth 5YN/A
OCF growth 1Y20.62%
OCF growth 3Y22.54%
OCF growth 5YN/A
XIOR STUDENT HOUSING NV / XIOR.BR FAQ
What is the fundamental rating for XIOR stock?
ChartMill assigns a fundamental rating of 4 / 10 to XIOR.BR.
What is the valuation status for XIOR stock?
ChartMill assigns a valuation rating of 3 / 10 to XIOR STUDENT HOUSING NV (XIOR.BR). This can be considered as Overvalued.
What is the profitability of XIOR stock?
XIOR STUDENT HOUSING NV (XIOR.BR) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for XIOR stock?
The Price/Earnings (PE) ratio for XIOR STUDENT HOUSING NV (XIOR.BR) is 20.18 and the Price/Book (PB) ratio is 0.76.
Can you provide the dividend sustainability for XIOR stock?
The dividend rating of XIOR STUDENT HOUSING NV (XIOR.BR) is 4 / 10 and the dividend payout ratio is 91.03%.