Hypothekarbank Lenzburg AG Fundamental Analysis (SIX: HBLN.SW)
Hypothekarbank Lenzburg AG Fundamental Analysis (SIX: HBLN.SW)
Hypothekarbank Lenzburg AG (SIX: HBLN.SW) shows weak financial fundamentals with a PE ratio of 15.11, profit margin of 18.92%, and ROE of 3.35%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -107.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze HBLN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakHBLN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentHBLN.SW trades at attractive valuation levels.
Growth Score
ModerateHBLN.SW shows steady but slowing expansion.
Financial Health Score
ModerateHBLN.SW shows balanced financial health with some risks.
Profitability Score
WeakHBLN.SW struggles to sustain strong margins.
Key Financial Metrics
Is HBLN.SW Expensive or Cheap?
P/E Ratio
HBLN.SW trades at 15.11 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, HBLN.SW's PEG of -22.61 indicates potential undervaluation.
Price to Book
The market values Hypothekarbank Lenzburg AG at 0.50 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 51.77 times EBITDA. This signals the market has high growth expectations.
How Well Does HBLN.SW Make Money?
Net Profit Margin
For every $100 in sales, Hypothekarbank Lenzburg AG keeps $18.92 as profit after all expenses.
Operating Margin
Core operations generate 19.19 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.35 in profit for every $100 of shareholder equity.
ROA
Hypothekarbank Lenzburg AG generates $0.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Hypothekarbank Lenzburg AG produces operating cash flow of $14.63M, showing steady but balanced cash generation.
Free Cash Flow
Hypothekarbank Lenzburg AG generates weak or negative free cash flow of $-5.43M, restricting financial flexibility.
FCF Per Share
Each share generates $-75.58 in free cash annually.
FCF Yield
HBLN.SW converts -1.80% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.11
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-22.61
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.50
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.24
vs 25 benchmark
Current Ratio
Current assets to current liabilities
9.38
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.002
vs 25 benchmark
How HBLN.SW Stacks Against Its Sector Peers
| Metric | HBLN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.11 | 21.03 | Better (Cheaper) |
| ROE | 3.35% | 647.00% | Weak |
| Net Margin | 18.92% | -1591.00% (disorted) | Strong |
| Debt/Equity | 2.24 | 0.90 | Weak (High Leverage) |
| Current Ratio | 9.38 | 912.43 | Strong Liquidity |
| ROA | 0.23% | -579.00% (disorted) | Weak |
HBLN.SW outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Hypothekarbank Lenzburg AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical