NN GROUP NV (2NN.DE) Stock Fundamental Analysis
Europe - FRA:2NN - NL0010773842 - Common Stock
62.34 EUR
+0.86 (+1.4%)
Overall 2NN gets a fundamental rating of 5 out of 10. We evaluated 2NN against 39 industry peers in the Insurance industry. 2NN has only an average score on both its financial health and profitability. 2NN has a decent growth rate and is not valued too expensively. 2NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 2NN was profitable.
2NN had a positive operating cash flow in the past year.
Each year in the past 5 years 2NN has been profitable.
The reported operating cash flow has been mixed in the past 5 years: 2NN reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of 2NN (0.61%) is worse than 76.92% of its industry peers.
2NN has a Return On Equity of 5.84%. This is amonst the worse of the industry: 2NN underperforms 87.18% of its industry peers.
With a Return On Invested Capital value of 0.43%, 2NN is not doing good in the industry: 69.23% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for 2NN is in line with the industry average of 2.23%.
The last Return On Invested Capital (0.43%) for 2NN is above the 3 year average (0.31%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROIC | 0.43% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
1.3 Margins
The Profit Margin of 2NN (9.91%) is better than 64.10% of its industry peers.
2NN's Profit Margin has improved in the last couple of years.
2NN's Operating Margin of 8.71% is on the low side compared to the rest of the industry. 2NN is outperformed by 64.10% of its industry peers.
2NN's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A |
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
2NN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
2NN has less shares outstanding than it did 1 year ago.
2NN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 2NN has been reduced compared to a year ago.
2.2 Solvency
2NN has an Altman-Z score of 0.13. This is a bad value and indicates that 2NN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of 2NN (0.13) is better than 76.92% of its industry peers.
2NN has a debt to FCF ratio of 70.44. This is a negative value and a sign of low solvency as 2NN would need 70.44 years to pay back of all of its debts.
With a Debt to FCF ratio value of 70.44, 2NN is not doing good in the industry: 79.49% of the companies in the same industry are doing better.
2NN has a Debt/Equity ratio of 0.62. This is a neutral value indicating 2NN is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.62, 2NN is doing good in the industry, outperforming 61.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC7.94%
2.3 Liquidity
A Current Ratio of 2.16 indicates that 2NN has no problem at all paying its short term obligations.
2NN has a better Current ratio (2.16) than 92.31% of its industry peers.
A Quick Ratio of 2.16 indicates that 2NN has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.16, 2NN belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.80% over the past year.
2NN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.60% yearly.
The Revenue has been growing slightly by 1.39% in the past year.
Measured over the past years, 2NN shows a very negative growth in Revenue. The Revenue has been decreasing by -12.53% on average per year.
EPS 1Y (TTM)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
Based on estimates for the next years, 2NN will show a small growth in Earnings Per Share. The EPS will grow by 6.34% on average per year.
The Revenue is expected to grow by 2.39% on average over the next years.
EPS Next Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.39%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
2NN is valuated correctly with a Price/Earnings ratio of 13.26.
Compared to the rest of the industry, the Price/Earnings ratio of 2NN is on the same level as its industry peers.
When comparing the Price/Earnings ratio of 2NN to the average of the S&P500 Index (25.91), we can say 2NN is valued slightly cheaper.
With a Price/Forward Earnings ratio of 7.88, the valuation of 2NN can be described as very cheap.
Based on the Price/Forward Earnings ratio, 2NN is valued cheaper than 84.62% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.57. 2NN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.26 | ||
| Fwd PE | 7.88 |
4.2 Price Multiples
2NN's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 2NN indicates a slightly more expensive valuation: 2NN is more expensive than 79.49% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 88.73 | ||
| EV/EBITDA | 17.7 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.82%
EPS Next 3Y8.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.87%, 2NN is a good candidate for dividend investing.
2NN's Dividend Yield is rather good when compared to the industry average which is at 4.62. 2NN pays more dividend than 84.62% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, 2NN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
5.2 History
On average, the dividend of 2NN grows each year by 15.91%, which is quite nice.
Dividend Growth(5Y)15.91%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
2NN pays out 73.42% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 2NN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
FRA:2NN (11/13/2025, 7:00:00 PM)
62.34
+0.86 (+1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.87%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap16.77B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts77.5
Price Target64.43 (3.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
Yearly Dividend2.56
Dividend Growth(5Y)15.91%
DP73.42%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.42%
PT rev (3m)6.75%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.32%
EPS NY rev (3m)-9.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.26 | ||
| Fwd PE | 7.88 | ||
| P/S | 1.31 | ||
| P/FCF | 88.73 | ||
| P/OCF | 67.35 | ||
| P/B | 0.77 | ||
| P/tB | 0.82 | ||
| EV/EBITDA | 17.7 |
EPS(TTM)4.7
EY7.54%
EPS(NY)7.91
Fwd EY12.7%
FCF(TTM)0.7
FCFY1.13%
OCF(TTM)0.93
OCFY1.48%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number92.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.45% | ||
| ROICexgc | 0.59% | ||
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A | ||
| FCFM | 1.48% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
ROICexc(3y)0.32%
ROICexc(5y)0.58%
ROICexgc(3y)0.42%
ROICexgc(5y)0.75%
ROCE(3y)0.39%
ROCE(5y)0.7%
ROICexgc growth 3Y-14.7%
ROICexgc growth 5Y-8.18%
ROICexc growth 3Y-16.09%
ROICexc growth 5Y-9.11%
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Debt/EBITDA | 10.56 | ||
| Cap/Depr | 40% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | 0.78 | ||
| Cash Conversion | 19.75% | ||
| Profit Quality | 14.95% | ||
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 | ||
| Altman-Z | 0.13 |
F-Score7
WACC7.94%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
EPS Next Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
EPS Next 5Y6.34%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.39%
EBIT growth 1Y62.43%
EBIT growth 3Y-20.73%
EBIT growth 5Y-11.93%
EBIT Next Year8.41%
EBIT Next 3Y3.51%
EBIT Next 5YN/A
FCF growth 1Y114.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.99%
OCF growth 3YN/A
OCF growth 5YN/A
NN GROUP NV / 2NN.DE FAQ
What is the ChartMill fundamental rating of NN GROUP NV (2NN.DE) stock?
ChartMill assigns a fundamental rating of 5 / 10 to 2NN.DE.
What is the valuation status for 2NN stock?
ChartMill assigns a valuation rating of 4 / 10 to NN GROUP NV (2NN.DE). This can be considered as Fairly Valued.
How profitable is NN GROUP NV (2NN.DE) stock?
NN GROUP NV (2NN.DE) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for 2NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (2NN.DE) is 13.26 and the Price/Book (PB) ratio is 0.77.
Is the dividend of NN GROUP NV sustainable?
The dividend rating of NN GROUP NV (2NN.DE) is 7 / 10 and the dividend payout ratio is 73.42%.