(ASRNL) ASR Nederland - Ratings and Ratios
Insurance, Pensions, Mortgages, Investments, Asset Management
Description: ASRNL ASR Nederland
ASR Nederland NV is a major insurance, pensions, and mortgages provider in the Netherlands, offering a wide range of products and services across five business segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. The companys diverse portfolio includes individual and group disability, property and casualty insurance, health insurance, pension products, and asset management services.
The companys Asset Management segment is notable for its bespoke investment solutions, managing non-listed sector funds that invest in various assets, including retail and residential properties, offices, and renewable energy sources. Additionally, ASR Nederland NV operates in the residential mortgage market under multiple brands, including a.s.r. and Aegon, with specialized products for first-time buyers, customers seeking to finance sustainable home modifications, and senior citizens.
From a financial perspective, ASR Nederland NV has a market capitalization of approximately €11.7 billion, with a price-to-earnings ratio of 12.77 and a forward P/E of 10.01, indicating a relatively attractive valuation. The companys return on equity (RoE) is 16.97%, suggesting a strong ability to generate profits from shareholder equity. Other key performance indicators (KPIs) to consider include the companys solvency ratio, which is likely to be robust given its long history and stable operations, and its combined ratio, which would indicate the companys underwriting profitability.
Further analysis could involve examining the companys growth prospects, including its ability to expand its product offerings, enhance its distribution channels, and capitalize on trends in the Dutch insurance and pensions market. Additionally, investors may want to monitor the companys capital management, including its dividend policy and any share buyback programs, as well as its response to regulatory changes and emerging risks in the industry.
ASRNL Stock Overview
| Market Cap in USD | 13,980m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
ASRNL Stock Ratings
| Growth Rating | 90.2% |
| Fundamental | 50.0% |
| Dividend Rating | 77.4% |
| Return 12m vs S&P 500 | 14.9% |
| Analyst Rating | - |
ASRNL Dividends
| Dividend Yield 12m | 5.71% |
| Yield on Cost 5y | 15.63% |
| Annual Growth 5y | 40.60% |
| Payout Consistency | 90.8% |
| Payout Ratio | 75.8% |
ASRNL Growth Ratios
| Growth Correlation 3m | -9.3% |
| Growth Correlation 12m | 96.9% |
| Growth Correlation 5y | 94.6% |
| CAGR 5y | 16.58% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.77 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.35 |
| Sharpe Ratio 12m | 1.52 |
| Alpha | 21.86 |
| Beta | 0.688 |
| Volatility | 19.71% |
| Current Volume | 527.6k |
| Average Volume 20d | 425.9k |
| Stop Loss | 54.8 (-3.1%) |
| Signal | -0.41 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1.56b TTM) > 0 and > 6% of Revenue (6% = 1.14b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 5.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.04 (>3.0%) and CFO 5.37b > Net Income 1.56b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (206.6m) change vs 12m ago -12.31% (target <= -2.0% for YES) |
| Gross Margin 69.35% (prev 96.71%; Δ -27.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.06% (prev 4.89%; Δ 8.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.25 (EBITDA TTM -2.50b / Interest Expense TTM 2.74b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 49.95
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 62.69% = 5.0 |
| 3. FCF Margin 27.95% = 6.99 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda -2.41 = -2.50 |
| 6. ROIC - WACC (= -11.25)% = -12.50 |
| 7. RoE 16.73% = 1.39 |
| 8. Rev. Trend 45.32% = 3.40 |
| 9. EPS Trend -16.57% = -0.83 |
What is the price of ASRNL shares?
Over the past week, the price has changed by -2.45%, over one month by -1.29%, over three months by +0.90% and over the past year by +32.68%.
Is ASR Nederland a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ASRNL is around 64.49 EUR . This means that ASRNL is currently undervalued and has a potential upside of +13.98% (Margin of Safety).
Is ASRNL a buy, sell or hold?
What are the forecasts/targets for the ASRNL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61.6 | 8.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 71.9 | 27.1% |
ASRNL Fundamental Data Overview
Market Cap EUR = 11.98b (11.98b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.6915
P/E Forward = 9.542
P/S = 0.7323
P/B = 1.198
Beta = 0.688
Revenue TTM = 19.05b EUR
EBIT TTM = -673.5m EUR
EBITDA TTM = -2.50b EUR
Long Term Debt = 9.52b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 6.03b EUR (from netDebt column, last quarter)
Enterprise Value = 8.50b EUR (11.98b + (null Debt) - CCE 3.49b)
Interest Coverage Ratio = -0.25 (Ebit TTM -673.5m / Interest Expense TTM 2.74b)
FCF Yield = 62.69% (FCF TTM 5.33b / Enterprise Value 8.50b)
FCF Margin = 27.95% (FCF TTM 5.33b / Revenue TTM 19.05b)
Net Margin = 8.17% (Net Income TTM 1.56b / Revenue TTM 19.05b)
Gross Margin = 69.35% ((Revenue TTM 19.05b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = 95.47% (prev 3.89%)
Tobins Q-Ratio = 0.06 (Enterprise Value 8.50b / Total Assets 141.01b)
Interest Expense / Debt = unknown (Interest Expense 1.95b / Debt none)
Taxrate = 20.28% (188.0m / 927.0m)
NOPAT = -536.9m (EBIT -673.5m * (1 - 20.28%)) [loss with tax shield]
Current Ratio = unknown (Total Current Assets 6.28b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -2.41 (negative EBITDA) (Net Debt 6.03b / EBITDA -2.50b)
Debt / FCF = 1.13 (Net Debt 6.03b / FCF TTM 5.33b)
Total Stockholder Equity = 9.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 1.56b / Total Assets 141.01b)
RoE = 16.73% (Net Income TTM 1.56b / Total Stockholder Equity 9.31b)
RoCE = -3.58% (EBIT -673.5m / Capital Employed (Equity 9.31b + L.T.Debt 9.52b))
RoIC = -2.70% (negative operating profit) (NOPAT -536.9m / Invested Capital 19.88b)
WACC = 8.55% (E(11.98b)/V(11.98b) * Re(8.55%) + (debt-free company))
Discount Rate = 8.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 31.72%
[DCF Debug] Terminal Value 76.54% ; FCFE base≈5.33b ; Y1≈5.35b ; Y5≈5.73b
Fair Price DCF = 446.5 (DCF Value 92.26b / Shares Outstanding 206.6m; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: -16.57 | EPS CAGR: -47.34% | SUE: 0.58 | # QB: 0
Revenue Correlation: 45.32 | Revenue CAGR: 30.79% | SUE: 3.35 | # QB: 4