XIOR STUDENT HOUSING NV (XIOR.BR) Stock Fundamental Analysis
EBR:XIOR - Euronext Brussels - BE0974288202 - REIT - Currency: EUR
XIOR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 5 industry peers in the Residential REITs industry. While XIOR is still in line with the averages on profitability rating, there are concerns on its financial health. XIOR is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year XIOR was profitable.
In the past year XIOR had a positive cash flow from operations.
In multiple years XIOR reported negative net income over the last 5 years.
In the past 5 years XIOR always reported a positive cash flow from operatings.
1.2 Ratios
XIOR has a Return On Assets (1.44%) which is comparable to the rest of the industry.
XIOR's Return On Equity of 3.10% is in line compared to the rest of the industry. XIOR outperforms 60.00% of its industry peers.
With a decent Return On Invested Capital value of 3.96%, XIOR is doing good in the industry, outperforming 80.00% of the companies in the same industry.
XIOR had an Average Return On Invested Capital over the past 3 years of 2.31%. This is in line with the industry average of 3.37%.
The 3 year average ROIC (2.31%) for XIOR is below the current ROIC(3.96%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 3.1% | ||
| ROIC | 3.96% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.31%
ROE(5y)3.52%
ROIC(3y)2.31%
ROIC(5y)2.45%
1.3 Margins
XIOR has a Profit Margin (20.32%) which is in line with its industry peers.
XIOR's Profit Margin has improved in the last couple of years.
XIOR's Operating Margin of 59.90% is on the low side compared to the rest of the industry. XIOR is outperformed by 60.00% of its industry peers.
XIOR's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 87.94%, XIOR is doing good in the industry, outperforming 80.00% of the companies in the same industry.
XIOR's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 59.9% | ||
| PM (TTM) | 20.32% | ||
| GM | 87.94% |
OM growth 3Y-6.03%
OM growth 5Y-4.9%
PM growth 3Y-27.12%
PM growth 5Y18.28%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), XIOR is destroying value.
The number of shares outstanding for XIOR has been increased compared to 1 year ago.
XIOR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for XIOR has been reduced compared to a year ago.
2.2 Solvency
XIOR has an Altman-Z score of 0.65. This is a bad value and indicates that XIOR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.65, XIOR is doing worse than 60.00% of the companies in the same industry.
XIOR has a debt to FCF ratio of 30.54. This is a negative value and a sign of low solvency as XIOR would need 30.54 years to pay back of all of its debts.
With a Debt to FCF ratio value of 30.54, XIOR is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
XIOR has a Debt/Equity ratio of 0.97. This is a neutral value indicating XIOR is somewhat dependend on debt financing.
XIOR has a worse Debt to Equity ratio (0.97) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Altman-Z | 0.65 |
ROIC/WACC0.79
WACC5.04%
2.3 Liquidity
A Current Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
XIOR has a Current ratio (0.56) which is in line with its industry peers.
A Quick Ratio of 0.56 indicates that XIOR may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.56, XIOR is in line with its industry, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.56 | ||
| Quick Ratio | 0.56 |
3. Growth
3.1 Past
XIOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 170.11%, which is quite impressive.
The Earnings Per Share has been growing by 26.32% on average over the past years. This is a very strong growth
The Revenue has grown by 10.09% in the past year. This is quite good.
The Revenue has been growing by 30.12% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)170.11%
EPS 3Y-21.25%
EPS 5Y26.32%
EPS Q2Q%137.57%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%0.09%
3.2 Future
XIOR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.19% yearly.
The Revenue is expected to grow by 3.72% on average over the next years.
EPS Next Y4.07%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EPS Next 5Y-0.19%
Revenue Next Year10.14%
Revenue Next 2Y8.36%
Revenue Next 3Y7.04%
Revenue Next 5Y3.72%
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
XIOR is valuated correctly with a Price/Earnings ratio of 15.83.
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 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.57, the valuation of XIOR can be described as correct.
Based on the Price/Forward Earnings ratio, XIOR is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
XIOR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.83 | ||
| Fwd PE | 12.57 |
4.2 Price Multiples
60.00% of the companies in the same industry are cheaper than XIOR, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, XIOR is valued a bit more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.21 | ||
| EV/EBITDA | 20.52 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.89
PEG (5Y)0.6
EPS Next 2Y3.67%
EPS Next 3Y2.2%
5. Dividend
5.1 Amount
XIOR has a Yearly Dividend Yield of 3.94%.
With a Dividend Yield of 3.94, XIOR pays less dividend than the industry average, which is at 5.62. 80.00% of the companies listed in the same industry pay a better dividend than XIOR!
Compared to an average S&P500 Dividend Yield of 2.37, XIOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.94% |
5.2 History
On average, the dividend of XIOR grows each year by 20.29%, which is quite nice.
Dividend Growth(5Y)20.29%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
XIOR pays out 91.60% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of XIOR has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP91.6%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EBR:XIOR (7/9/2025, 2:18:07 PM)
30.55
+0.2 (+0.66%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)
Earnings (Next)
Inst Owners23.65%
Inst Owner ChangeN/A
Ins Owners10.94%
Ins Owner ChangeN/A
Market Cap1.40B
Analysts82.5
Price Target35.7 (16.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.94% |
Yearly Dividend1.15
Dividend Growth(5Y)20.29%
DP91.6%
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)-0.77%
PT rev (3m)-3.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.83 | ||
| Fwd PE | 12.57 | ||
| P/S | 5.61 | ||
| P/FCF | 25.21 | ||
| P/OCF | 24.37 | ||
| P/B | 0.86 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 20.52 |
EPS(TTM)1.93
EY6.32%
EPS(NY)2.43
Fwd EY7.96%
FCF(TTM)1.21
FCFY3.97%
OCF(TTM)1.25
OCFY4.1%
SpS5.45
BVpS35.65
TBVpS35.55
PEG (NY)3.89
PEG (5Y)0.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 3.1% | ||
| ROCE | 4.52% | ||
| ROIC | 3.96% | ||
| ROICexc | 3.97% | ||
| ROICexgc | 3.98% | ||
| OM | 59.9% | ||
| PM (TTM) | 20.32% | ||
| GM | 87.94% | ||
| FCFM | 22.24% |
ROA(3y)2.46%
ROA(5y)1.74%
ROE(3y)5.31%
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%
ROICexcg growth 3Y-0.66%
ROICexcg growth 5Y1.19%
ROICexc growth 3Y-0.7%
ROICexc growth 5Y1.17%
OM growth 3Y-6.03%
OM growth 5Y-4.9%
PM growth 3Y-27.12%
PM growth 5Y18.28%
GM growth 3Y-1.04%
GM growth 5Y-1.71%
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 30.54 | ||
| Debt/EBITDA | 10.57 | ||
| Cap/Depr | 479.25% | ||
| Cap/Sales | 0.77% | ||
| Interest Coverage | 2.78 | ||
| Cash Conversion | 38.31% | ||
| Profit Quality | 109.47% | ||
| Current Ratio | 0.56 | ||
| Quick Ratio | 0.56 | ||
| Altman-Z | 0.65 |
F-Score6
WACC5.04%
ROIC/WACC0.79
Cap/Depr(3y)534.68%
Cap/Depr(5y)391.43%
Cap/Sales(3y)1.98%
Cap/Sales(5y)1.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)170.11%
EPS 3Y-21.25%
EPS 5Y26.32%
EPS Q2Q%137.57%
EPS Next Y4.07%
EPS Next 2Y3.67%
EPS Next 3Y2.2%
EPS Next 5Y-0.19%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y28.16%
Revenue growth 5Y30.12%
Sales Q2Q%0.09%
Revenue Next Year10.14%
Revenue Next 2Y8.36%
Revenue Next 3Y7.04%
Revenue Next 5Y3.72%
EBIT growth 1Y-6.8%
EBIT growth 3Y20.43%
EBIT growth 5Y23.75%
EBIT Next Year10.26%
EBIT Next 3Y7.43%
EBIT Next 5Y4.26%
FCF growth 1Y129.38%
FCF growth 3Y22.02%
FCF growth 5YN/A
OCF growth 1Y116.9%
OCF growth 3Y22.86%
OCF growth 5YN/A