(ASRNL) ASR Nederland - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: AS (Netherlands) | Market Cap: 12.588m EUR | Total Return: 35.6% in 12m
Insurance, Pensions, Mortgages, Investments
Total Rating 61
Safety 35
Buy Signal 0.47
Insurance - Diversified
Industry Rotation: +6.3
Industry Rotation: +6.3
Market Cap:
14.5B
Avg Turnover: 33.3M EUR
Avg Turnover: 33.3M EUR
ATR:
2.05%
Peers RS (IBD): 76.7
Peers RS (IBD): 76.7
Risk 5d forecast
Volatility16.2%
Rel. Tail Risk-0.40%
Reward TTM
Sharpe Ratio1.43
Alpha27.79
Character TTM
Beta0.256
Beta Downside0.086
Drawdowns 3y
Max DD19.40%
CAGR/Max DD1.21
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: ASRNL ASR Nederland
ASR Nederland N.V. (ASRNL) is a Dutch multi-line insurer providing a range of financial products. These include non-life insurance (e.g., motor, property, health), life insurance, pensions, and mortgages. The company operates in the financial services sector, specifically within insurance, which is characterized by risk assessment and capital management.
ASRNLs business model is diversified across five segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. Asset management activities include managing corporate and government bonds, equities, and real estate investments, common for insurance firms seeking to generate returns on premiums collected. The company also offers specialized mortgage products and operates under multiple brands, including a.s.r. and Aegon.
For a deeper dive into ASRNLs financial performance and peer comparisons, ValueRay offers comprehensive analytical tools.
- Dutch interest rate changes impact investment income
- Non-life insurance claims affect profitability
- Mortgage market competition influences lending margins
- Regulatory changes in Dutch insurance sector create compliance costs
Piotroski VR‑10 (Strict)
4.0
| Net Income: 1.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -4.45 > 1.0 |
| NWC/Revenue: -43.38% < 20% (prev 16.88%; Δ -60.27% < -1%) |
| CFO/TA -0.01 > 3% & CFO -1.27b > Net Income 1.47b |
| Net Debt (7.71b) to EBITDA (14.80b): 0.52 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (207.5m) vs 12m ago -11.93% < -2% |
| Gross Margin: 84.32% > 18% (prev 1.00%; Δ 8.33k% > 0.5%) |
| Asset Turnover: 20.56% > 50% (prev 12.98%; Δ 7.58% > 0%) |
| Interest Coverage Ratio: 0.84 > 6 (EBITDA TTM 14.80b / Interest Expense TTM 9.88b) |
Altman Z''
-0.08
| A: -0.09 (Total Current Assets 3.06b - Total Current Liabilities 16.12b) / Total Assets 142.15b |
| B: 0.03 (Retained Earnings 4.34b / Total Assets 142.15b) |
| C: 0.06 (EBIT TTM 8.31b / Avg Total Assets 146.46b) |
| D: 0.04 (Book Value of Equity 4.82b / Total Liabilities 133.53b) |
| Altman-Z'' Score: -0.08 = B |
Beneish M
1.00
| DSRI: 13.42 (Receivables 351.0m/17.0m, Revenue 30.11b/19.57b) |
| GMI: 1.19 (GM 84.32% / 100.1%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.92) |
| SGI: 1.54 (Revenue 30.11b / 19.57b) |
| TATA: 0.02 (NI 1.47b - CFO -1.27b) / TA 142.15b) |
| Beneish M-Score: 7.80 (Cap -4..+1) = D |
What is the price of ASRNL shares?
As of April 07, 2026, the stock is trading at EUR 60.92 with a total of 0 shares traded.
Over the past week, the price has changed by +3.71%, over one month by +5.91%, over three months by -1.39% and over the past year by +35.58%.
Over the past week, the price has changed by +3.71%, over one month by +5.91%, over three months by -1.39% and over the past year by +35.58%.
Is ASRNL a buy, sell or hold?
ASR Nederland has no consensus analysts rating.
What are the forecasts/targets for the ASRNL price?
| Analysts Target Price | - | - |
ASR Nederland (ASRNL) - Fundamental Data Overview
as of 07 April 2026
Market Cap USD = 14.50b (12.59b EUR * 1.152 EUR.USD)P/E Trailing = 28.2037
P/E Forward = 10.1729
P/S = 0.7351
P/B = 1.2325
Revenue TTM = 30.11b EUR
EBIT TTM = 8.31b EUR
EBITDA TTM = 14.80b EUR
Long Term Debt = 8.91b EUR (from longTermDebt, last quarter)
Short Term Debt = 70.0m EUR (from shortTermDebt, last fiscal year)
Debt = 10.42b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.71b EUR (from netDebt column, last quarter)
Enterprise Value = 20.30b EUR (12.59b + Debt 10.42b - CCE 2.71b)
Interest Coverage Ratio = 0.84 (Ebit TTM 8.31b / Interest Expense TTM 9.88b)
EV/FCF = -15.48x (Enterprise Value 20.30b / FCF TTM -1.31b)
FCF Yield = -6.46% (FCF TTM -1.31b / Enterprise Value 20.30b)
FCF Margin = -4.35% (FCF TTM -1.31b / Revenue TTM 30.11b)
Net Margin = 4.87% (Net Income TTM 1.47b / Revenue TTM 30.11b)
Gross Margin = 84.32% ((Revenue TTM 30.11b - Cost of Revenue TTM 4.72b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 20.30b / Total Assets 142.15b)
Interest Expense / Debt = 28.44% (Interest Expense 2.96b / Debt 10.42b)
Taxrate = 18.18% (96.0m / 528.0m)
NOPAT = 6.80b (EBIT 8.31b * (1 - 18.18%))
Current Ratio = 0.19 (Total Current Assets 3.06b / Total Current Liabilities 16.12b)
Debt / Equity = 1.21 (Debt 10.42b / totalStockholderEquity, last quarter 8.60b)
Debt / EBITDA = 0.52 (Net Debt 7.71b / EBITDA 14.80b)
Debt / FCF = -5.88 (negative FCF - burning cash) (Net Debt 7.71b / FCF TTM -1.31b)
Total Stockholder Equity = 9.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 1.47b / Total Assets 142.15b)
RoE = 15.64% (Net Income TTM 1.47b / Total Stockholder Equity 9.37b)
RoCE = 45.43% (EBIT 8.31b / Capital Employed (Equity 9.37b + L.T.Debt 8.91b))
RoIC = 35.59% (NOPAT 6.80b / Invested Capital 19.10b)
WACC = 14.30% (E(12.59b)/V(23.01b) * Re(6.88%) + D(10.42b)/V(23.01b) * Rd(28.44%) * (1-Tc(0.18)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -6.16%
[DCF] Fair Price = unknown (Cash Flow -1.31b)
EPS Correlation: -25.07 | EPS CAGR: -37.87% | SUE: 0.58 | # QB: 0
Revenue Correlation: 70.92 | Revenue CAGR: 29.93% | SUE: 0.95 | # QB: 2
EPS current Year (2026-12-31): EPS=6.09 | Chg7d=-0.011 | Chg30d=+0.201 | Revisions Net=+3 | Growth EPS=-4.2% | Growth Revenue=+18.7%
EPS next Year (2027-12-31): EPS=6.13 | Chg7d=+0.064 | Chg30d=-0.023 | Revisions Net=+1 | Growth EPS=+0.6% | Growth Revenue=-7.3%
[Analyst] Revisions Ratio: +0.60 (4 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 4.4% (Discount Rate 7.9% - Earnings Yield 3.5%)
[Growth] Growth Spread = -11.7% (Analyst -7.3% - Implied 4.4%)