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Van Lanschot N.V. (NL:VLK)
:VLK

Van Lanschot N.V. (VLK) AI Stock Analysis

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Van Lanschot N.V.

(LSE:VLK)

Rating:63Neutral
Price Target:
Van Lanschot N.V. shows strong financial performance with solid revenue growth and a robust balance sheet, contributing significantly to the overall score. However, technical analysis indicates a bearish trend, which weighs down the score. Valuation metrics are decent, providing a moderate boost to the score.

Van Lanschot N.V. (VLK) vs. iShares MSCI Netherlands ETF (EWN)

Van Lanschot N.V. Business Overview & Revenue Model

Company DescriptionVan Lanschot Kempen NV provides various financial services in the Netherlands, Belgium, and internationally. The company offers private banking services for entrepreneurs, family businesses, high net-worth individuals, business professionals and executives, healthcare professionals, foundations, and associations. It also provides online savings and investment coach services that guide investors towards investment, pension, and savings solutions. In addition, the company offers asset management services on various asset classes comprising small caps, property, high-dividend equities, fixed-income securities, and funds of hedge funds; and fiduciary services for institutional clients. Further, it provides specialist services, including equities research and trading, mergers and acquisitions services, capital market transactions, and debt advisory services to institutional investors, corporates, financial institutions, and public and semi-public entities. The company was formerly known as Van Lanschot Kempen Wealth Management NV and changed its name to Van Lanschot Kempen NV in July 2021. Van Lanschot Kempen NV was founded in 1737 and is headquartered in 's-Hertogenbosch, the Netherlands.
How the Company Makes MoneyVan Lanschot N.V. generates revenue through a combination of private banking, asset management, and merchant banking activities. In private banking, it earns income from advisory fees, transaction commissions, and interest margins on loans and deposits. Asset management contributes through management fees and performance fees from managing investment portfolios for clients. Merchant banking provides revenue through advisory services, equity capital markets, and corporate finance activities. The company's earnings are also bolstered by strategic partnerships and collaborations that expand its service offerings and client base.

Van Lanschot N.V. Financial Statement Overview

Summary
Van Lanschot N.V. is in a strong financial position with continuous revenue growth and improved profitability. The balance sheet is robust with low leverage, enhancing its financial stability. Cash flow generation is positive, though declining operating cash flow may warrant monitoring.
Income Statement
85
Very Positive
Van Lanschot N.V. has demonstrated solid revenue growth over the years with a notable increase from 2023 to 2024. The net profit margin improved, reflecting enhanced profitability. However, the absence of EBIT and EBITDA in 2024 could indicate a shift in financial reporting or operational changes.
Balance Sheet
78
Positive
The balance sheet shows strong equity with a low debt-to-equity ratio, indicating financial stability. The equity ratio is stable, reflecting a strong capital position. However, the total assets remained relatively flat, which might limit aggressive growth.
Cash Flow
72
Positive
Operating cash flow has declined compared to previous years, which could impact liquidity. Free cash flow remains positive, but its growth rate has slowed. The cash flow coverage ratios suggest sufficient liquidity to cover net income.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
717.55M667.35M562.18M563.90M421.79M
Gross Profit
717.55M946.92M562.18M563.90M421.79M
EBIT
185.01M186.57M221.38M178.38M54.13M
EBITDA
0.00188.07M141.68M195.48M69.40M
Net Income Common Stockholders
141.75M125.20M84.16M143.73M49.76M
Balance SheetCash, Cash Equivalents and Short-Term Investments
2.49B2.83B3.76B4.24B2.63B
Total Assets
16.98B16.84B17.02B16.31B15.15B
Total Debt
0.002.49B2.11B2.58B2.80B
Net Debt
-2.49B-861.36M-1.65B-1.66B170.22M
Total Liabilities
15.61B15.49B15.64B14.90B13.79B
Stockholders Equity
1.38B1.35B1.38B1.41B1.36B
Cash FlowFree Cash Flow
59.15M271.29M219.46M1.17B1.14B
Operating Cash Flow
85.91M290.25M230.72M1.36B1.17B
Investing Cash Flow
-810.69M-365.56M-624.97M474.21M-217.43M
Financing Cash Flow
-155.89M-145.19M-187.81M-335.54M-169.19M

Van Lanschot N.V. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price56.70
Price Trends
50DMA
49.50
Positive
100DMA
47.30
Positive
200DMA
44.07
Positive
Market Momentum
MACD
1.77
Positive
RSI
75.92
Negative
STOCH
78.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:VLK, the sentiment is Positive. The current price of 56.7 is above the 20-day moving average (MA) of 54.81, above the 50-day MA of 49.50, and above the 200-day MA of 44.07, indicating a bullish trend. The MACD of 1.77 indicates Positive momentum. The RSI at 75.92 is Negative, neither overbought nor oversold. The STOCH value of 78.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:VLK.

Van Lanschot N.V. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
NLVLK
63
Neutral
€2.40B18.2310.90%4.85%58.95%
€19.28B8.3810.26%5.80%
€9.85B15.039.26%5.11%
€57.77B9.3711.97%5.74%
€14.73B10.217.69%6.03%
DE6UY
€3.52B38.68-7.67%2.35%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
NL:VLK
Van Lanschot N.V.
56.70
21.63
61.65%
GB:0RDM
ABN AMRO Group N.V.
23.15
8.55
58.56%
GB:0Q0Y
Aegon NV
6.36
0.79
14.18%
GB:0RIC
ING GROEP
18.48
3.44
22.87%
GB:0QVV
NN Group N.V.
57.01
17.44
44.07%
DE:6UY
Allfunds Group plc
5.58
0.19
3.53%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.