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PostNL N.V. (NL:PNL)
:PNL
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PostNL N.V. (PNL) AI Stock Analysis

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NL:PNL

PostNL N.V.

(PNL)

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Neutral 48 (OpenAI - Gpt-5.6Sol)
Rating:48Neutral
Price Target:
€0.89
▼(-0.34% Downside)
Action:Reiterated
Date:08/18/26
The score is primarily held back by high balance-sheet leverage and weak top-line/margin profile (steep TTM revenue decline and thin profitability), which increase sensitivity to downturns. Strong operating and free cash flow provide an offset by supporting liquidity and potential deleveraging, but technical indicators remain bearish (price below major moving averages with negative MACD). Valuation is mixed, with a relatively high P/E partly balanced by a solid dividend yield.
Positive Factors
Strong cash generation
Solid operating and free cash flow provide liquidity beyond reported earnings. If sustained, this cash generation can fund network needs, support working capital and create capacity to reduce leverage over the medium term.
Negative Factors
High balance-sheet leverage
Very high leverage and a limited equity cushion leave the company exposed to earnings downturns, refinancing pressure and weaker cash conversion. This restricts financial flexibility even while current cash generation remains supportive.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Solid operating and free cash flow provide liquidity beyond reported earnings. If sustained, this cash generation can fund network needs, support working capital and create capacity to reduce leverage over the medium term.
Read all positive factors

PostNL N.V. (PNL) vs. iShares MSCI Netherlands ETF (EWN)

PostNL N.V. Business Overview & Revenue Model

Company Description
PostNL N.V. provides postal and logistics services to businesses and consumers in the Netherlands, rest of Europe, and internationally. The company in two segments, Parcels and Mail in the Netherlands, and PostNL Other. It collects, sorts, transpo...
How the Company Makes Money
PostNL makes money primarily by charging fees for delivery and related logistics services, with revenue concentrated in two main areas: Parcels and Mail in the Netherlands. 1) Parcels (largest growth engine) - Delivery fees from e-commerce and re...

PostNL N.V. Financial Statement Overview

Summary
Overall fundamentals are mixed. Profitability has improved to a modest TTM profit (€19M) with positive operating earnings, and cash generation is strong (TTM operating cash flow €237M; free cash flow €176M). However, TTM revenue is down sharply (-31.5%), margins are very thin (net margin ~0.6%; EBIT margin ~1.7%), and the balance sheet is the main risk with very high leverage (debt-to-equity ~6.9x) and a limited equity cushion (~€157M).
Income Statement
46
Neutral
Balance Sheet
32
Negative
Cash Flow
67
Positive
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue3.32B3.31B3.25B3.17B3.15B3.47B
Gross Profit263.00M165.00M402.00M440.00M487.00M697.00M
EBITDA259.00M242.00M240.00M276.00M-1.13B471.00M
Net Income19.00M-18.00M17.00M55.00M-981.00M257.00M
Balance Sheet
Total Assets2.12B2.20B2.12B2.18B2.22B2.48B
Cash, Cash Equivalents and Short-Term Investments584.00M616.00M453.00M518.00M556.00M848.00M
Total Debt1.09B1.17B972.00M1.06B1.07B1.07B
Total Liabilities1.96B2.02B1.92B1.98B2.04B2.06B
Stockholders Equity157.00M176.00M202.00M198.00M177.00M426.00M
Cash Flow
Free Cash Flow176.00M128.00M68.00M96.00M102.00M309.00M
Operating Cash Flow237.00M163.00M168.00M222.00M240.00M450.00M
Investing Cash Flow13.00M-39.00M-61.00M-102.00M-122.00M-92.00M
Financing Cash Flow-13.00M90.00M-173.00M-142.00M-408.00M-186.00M

PostNL N.V. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.89
Price Trends
50DMA
0.92
Negative
100DMA
0.97
Negative
200DMA
1.00
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
41.50
Neutral
STOCH
13.41
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:PNL, the sentiment is Negative. The current price of 0.89 is below the 20-day moving average (MA) of 0.91, below the 50-day MA of 0.92, and below the 200-day MA of 1.00, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 41.50 is Neutral, neither overbought nor oversold. The STOCH value of 13.41 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NL:PNL.

PostNL N.V. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
€629.84M22.6333.48%3.74%13.16%33.11%
70
Outperform
€6.95B13.383.86%12.95%-53.58%
70
Outperform
€7.75B68.9037.23%-59.21%
68
Neutral
€3.23B12.7722.89%2.73%7.01%87.12%
55
Neutral
$6.65B3.83-15.92%6.20%10.91%7.18%
54
Neutral
€339.82M-20.07-2.54%9.16%-3.75%-1040.34%
48
Neutral
€463.11M23.97-9.89%4.49%2.04%-203.01%
* General Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NL:PNL
PostNL N.V.
0.89
-0.02
-2.21%
NL:BAMNB
Koninklijke Bam Groep NV
11.77
4.12
53.78%
NL:NEDAP
Nedap N.V
94.90
10.44
12.37%
NL:NSI
NSI NV
16.86
-2.79
-14.19%
NL:CTPNV
CTP N.V.
14.28
-3.51
-19.71%
NL:INPST
InPost S.A.
15.51
2.06
15.32%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 18, 2026