(ASRNL) ASR Nederland - Overview
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0011872643
Stock: Insurance, Pensions, Mortgages, Investments
Total Rating 48
Risk 39
Buy Signal -0.26
| Risk 5d forecast | |
|---|---|
| Volatility | 16.9% |
| Relative Tail Risk | -1.51% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.64 |
| Alpha | 6.79 |
| Character TTM | |
|---|---|
| Beta | 0.268 |
| Beta Downside | 0.068 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.40% |
| CAGR/Max DD | 1.19 |
Description: ASRNL ASR Nederland March 05, 2026
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.
Headlines to watch out for
- 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, 0-10) 4.0
| Net Income: 1.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.94 > 1.0 |
| NWC/Revenue: -41.16% < 20% (prev 16.88%; Δ -58.04% < -1%) |
| CFO/TA 0.00 > 3% & CFO 486.0m > Net Income 1.47b |
| Net Debt (7.71b) to EBITDA (14.80b): 0.52 < 3 |
| Current Ratio: 0.20 > 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'' -0.05
| A: -0.09 (Total Current Assets 3.06b - Total Current Liabilities 15.45b) / 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: -0.05 = 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: 0.01 (NI 1.47b - CFO 486.0m) / TA 142.15b) |
| Beneish M-Score: 7.79 (Cap -4..+1) = D |
What is the price of ASRNL shares?
As of March 17, 2026, the stock is trading at EUR 58.08 with a total of 401,573 shares traded.
Over the past week, the price has changed by +1.22%, over one month by -5.35%, over three months by -2.42% and over the past year by +16.81%.
Over the past week, the price has changed by +1.22%, over one month by -5.35%, over three months by -2.42% and over the past year by +16.81%.
Is ASRNL a buy, sell or hold?
ASR Nederland has no consensus analysts rating.
What are the forecasts/targets for the ASRNL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 66.9 | 15.3% |
| Analysts Target Price | - | - |
ASRNL Fundamental Data Overview March 16, 2026
Market Cap USD = 13.73b (11.99b EUR * 1.1452 EUR.USD)
P/E Trailing = 24.9013
P/E Forward = 9.6899
P/S = 0.6898
P/B = 1.1741
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 = unknown (none)
Debt = 10.42b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.71b EUR (from netDebt column, last quarter)
Enterprise Value = 19.70b EUR (11.99b + Debt 10.42b - CCE 2.71b)
Interest Coverage Ratio = 0.84 (Ebit TTM 8.31b / Interest Expense TTM 9.88b)
EV/FCF = 46.14x (Enterprise Value 19.70b / FCF TTM 427.0m)
FCF Yield = 2.17% (FCF TTM 427.0m / Enterprise Value 19.70b)
FCF Margin = 1.42% (FCF TTM 427.0m / 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 19.70b / 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 = 0.20 (Total Current Assets 3.06b / Total Current Liabilities 15.45b)
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 = 18.06 (Net Debt 7.71b / FCF TTM 427.0m)
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 = 14.51% (E(11.99b)/V(22.41b) * Re(6.90%) + D(10.42b)/V(22.41b) * Rd(28.44%) * (1-Tc(0.18)))
Discount Rate = 6.90% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -6.16%
[DCF] Terminal Value 47.05% ; FCFF base≈1.00b ; Y1≈658.1m ; Y5≈300.3m
[DCF] Fair Price = N/A (negative equity: EV 2.87b - Net Debt 7.71b = -4.84b; debt exceeds intrinsic value)
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 = 3.9% (Discount Rate 7.9% - Earnings Yield 4.0%)
[Growth] Growth Spread = -11.2% (Analyst -7.3% - Implied 3.9%)
P/E Trailing = 24.9013
P/E Forward = 9.6899
P/S = 0.6898
P/B = 1.1741
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 = unknown (none)
Debt = 10.42b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.71b EUR (from netDebt column, last quarter)
Enterprise Value = 19.70b EUR (11.99b + Debt 10.42b - CCE 2.71b)
Interest Coverage Ratio = 0.84 (Ebit TTM 8.31b / Interest Expense TTM 9.88b)
EV/FCF = 46.14x (Enterprise Value 19.70b / FCF TTM 427.0m)
FCF Yield = 2.17% (FCF TTM 427.0m / Enterprise Value 19.70b)
FCF Margin = 1.42% (FCF TTM 427.0m / 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 19.70b / 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 = 0.20 (Total Current Assets 3.06b / Total Current Liabilities 15.45b)
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 = 18.06 (Net Debt 7.71b / FCF TTM 427.0m)
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 = 14.51% (E(11.99b)/V(22.41b) * Re(6.90%) + D(10.42b)/V(22.41b) * Rd(28.44%) * (1-Tc(0.18)))
Discount Rate = 6.90% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -6.16%
[DCF] Terminal Value 47.05% ; FCFF base≈1.00b ; Y1≈658.1m ; Y5≈300.3m
[DCF] Fair Price = N/A (negative equity: EV 2.87b - Net Debt 7.71b = -4.84b; debt exceeds intrinsic value)
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 = 3.9% (Discount Rate 7.9% - Earnings Yield 4.0%)
[Growth] Growth Spread = -11.2% (Analyst -7.3% - Implied 3.9%)