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

• Market Cap: €2.42B
• Dividend Yield: 3.51%
• Average Volume (3M): 72.79K
• Price to Earnings (P/E): 18.3
• Beta (1Y): 1.07
• Revenue Growth: 58.95%
• EPS Growth: N/A
• Country: NL
• Employees: 2,018
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 1.58
• Shares Outstanding: 43,036,926
• 10 Day Avg. Volume: 67,116
• 30 Day Avg. Volume: 72,786
• PEG Ratio: N/A
• Price to Book (P/B): 1.74
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.73
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €53.80
• Price Target Upside: -5.61% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

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. Business Overview & Revenue Model

Company Description

Van Lanschot N.V. is a Dutch financial institution, primarily operating in the sectors of private banking, asset management, and merchant banking. With a rich history dating back to 1737, the company focuses on providing tailored financial services to high-net-worth individuals, entrepreneurs, family offices, and institutional investors. Van Lanschot Kempen, the brand under which it operates, leverages its expertise to offer comprehensive wealth management solutions, investment advice, and specialized financial services.

How the Company Makes Money

Van 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

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

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

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 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
717.55M	667.35M	562.18M	563.90M	421.79M
	Gross Profit
717.55M	946.92M	562.18M	563.90M	421.79M
	EBIT
185.01M	186.57M	221.38M	178.38M	54.13M
	EBITDA
0.00	188.07M	141.68M	195.48M	69.40M
	Net Income Common Stockholders
141.75M	125.20M	84.16M	143.73M	49.76M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.49B	2.83B	3.76B	4.24B	2.63B
	Total Assets
16.98B	16.84B	17.02B	16.31B	15.15B
	Total Debt
0.00	2.49B	2.11B	2.58B	2.80B
	Net Debt
-2.49B	-861.36M	-1.65B	-1.66B	170.22M
	Total Liabilities
15.61B	15.49B	15.64B	14.90B	13.79B
	Stockholders Equity
1.38B	1.35B	1.38B	1.41B	1.36B
Cash Flow		Free Cash Flow
59.15M	271.29M	219.46M	1.17B	1.14B
	Operating Cash Flow
85.91M	290.25M	230.72M	1.36B	1.17B
	Investing Cash Flow
-810.69M	-365.56M	-624.97M	474.21M	-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 Price: 57.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 57 is above the 20-day moving average (MA) of 52.34, above the 50-day MA of 48.82, and above the 200-day MA of 44.88, indicating a bullish trend. The MACD of 2.65 indicates Negative momentum. The RSI at 78.72 is Negative, neither overbought nor oversold. The STOCH value of 86.38 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NN	73 Outperform	€14.32B	9.95	7.69%	6.02%	-5.38%	38.01%
ABN	71 Outperform	€17.66B	7.67	10.26%	6.36%	-4.58%	-16.15%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%
VLK	63 Neutral	€2.42B	18.32	10.90%	3.51%	58.95%	―
AGN	61 Neutral	€9.63B	14.74	9.26%	5.16%	-5.08%	―
INGA	58 Neutral	€58.87B	9.61	11.97%	5.62%	0.34%	-5.20%
ALLFG	54 Neutral	€3.26B	―	-7.67%	1.82%	15.96%	-303.47%