ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ASRNL - NL0011872643 - Common Stock
60.48 EUR
-0.14 (-0.23%)
Overall ASRNL gets a fundamental rating of 3 out of 10. We evaluated ASRNL against 47 industry peers in the Insurance industry. ASRNL has a bad profitability rating. Also its financial health evaluation is rather negative. ASRNL has a decent growth rate and is not valued too expensively. ASRNL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ASRNL had positive earnings in the past year.
ASRNL had a positive operating cash flow in the past year.
ASRNL had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: ASRNL reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, ASRNL is doing worse than 65.96% of the companies in the same industry.
The Return On Equity of ASRNL (10.90%) is worse than 74.47% of its industry peers.
With an excellent Return On Invested Capital value of 3.59%, ASRNL belongs to the best of the industry, outperforming 82.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROIC | 3.59% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 6.52%, ASRNL is not doing good in the industry: 63.83% of the companies in the same industry are doing better.
ASRNL's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 40.37%, ASRNL belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
ASRNL's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A |
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ASRNL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for ASRNL has been reduced compared to 1 year ago.
ASRNL has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ASRNL has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of ASRNL is 179.66, which is on the high side as it means it would take ASRNL, 179.66 years of fcf income to pay off all of its debts.
ASRNL has a worse Debt to FCF ratio (179.66) than 76.60% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that ASRNL is somewhat dependend on debt financing.
ASRNL has a worse Debt to Equity ratio (0.97) than 72.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ASRNL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.75%, which is quite impressive.
The Earnings Per Share has been decreasing by -8.27% on average over the past years.
The Revenue has grown by 12.18% in the past year. This is quite good.
The Revenue has been growing slightly by 7.88% on average over the past years.
EPS 1Y (TTM)68.75%
EPS 3Y-12.44%
EPS 5Y-8.27%
EPS Q2Q%214.29%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
3.2 Future
Based on estimates for the next years, ASRNL will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.94% on average per year.
The Revenue is expected to grow by 1.90% on average over the next years.
EPS Next Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.94%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.00 indicates a correct valuation of ASRNL.
ASRNL's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.84. ASRNL is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.23 indicates a reasonable valuation of ASRNL.
ASRNL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ASRNL is cheaper than 72.34% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.40. ASRNL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 10.23 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ASRNL is valued cheaper than 100.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ASRNL is valued a bit more expensive than 76.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 238.62 | ||
| EV/EBITDA | 2.12 |
4.3 Compensation for Growth
ASRNL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ASRNL's earnings are expected to grow with 16.81% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y22.95%
EPS Next 3Y16.81%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.33%, which is a nice return.
ASRNL's Dividend Yield is rather good when compared to the industry average which is at 3.90. ASRNL pays more dividend than 80.85% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, ASRNL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
5.2 History
On average, the dividend of ASRNL grows each year by 18.44%, which is quite nice.
Dividend Growth(5Y)18.44%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
ASRNL pays out 60.74% of its income as dividend. This is not a sustainable payout ratio.
ASRNL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
AMS:ASRNL (12/29/2025, 7:00:00 PM)
60.48
-0.14 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners77.34%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.65B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts79.05
Price Target65.75 (8.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
Yearly Dividend3
Dividend Growth(5Y)18.44%
DP60.74%
Div Incr Years3
Div Non Decr Years3
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)1.4%
PT rev (3m)3.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 10.23 | ||
| P/S | 0.77 | ||
| P/FCF | 238.62 | ||
| P/OCF | 170.9 | ||
| P/B | 1.28 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | 2.12 |
EPS(TTM)4.32
EY7.14%
EPS(NY)5.91
Fwd EY9.78%
FCF(TTM)0.25
FCFY0.42%
OCF(TTM)0.35
OCFY0.59%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.67
PEG (5Y)N/A
Graham Number67.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROCE | 4.87% | ||
| ROIC | 3.59% | ||
| ROICexc | 3.68% | ||
| ROICexgc | 4.28% | ||
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A | ||
| FCFM | 0.32% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-10.55%
ROICexgc growth 5Y-6.2%
ROICexc growth 3Y-10.91%
ROICexc growth 5Y-6.29%
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 18.58% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 1.85 | ||
| Cash Conversion | 1.09% | ||
| Profit Quality | 4.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.53%
ROIC/WACC0.23
Cap/Depr(3y)150.16%
Cap/Depr(5y)245.19%
Cap/Sales(3y)1.79%
Cap/Sales(5y)1.92%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.75%
EPS 3Y-12.44%
EPS 5Y-8.27%
EPS Q2Q%214.29%
EPS Next Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.94%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
EBIT growth 1Y45.64%
EBIT growth 3Y10.47%
EBIT growth 5Y7.74%
EBIT Next Year113.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-57.47%
OCF growth 3YN/A
OCF growth 5YN/A
ASR NEDERLAND NV / ASRNL.AS FAQ
What is the ChartMill fundamental rating of ASR NEDERLAND NV (ASRNL.AS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ASRNL.AS.
What is the valuation status of ASR NEDERLAND NV (ASRNL.AS) stock?
ChartMill assigns a valuation rating of 5 / 10 to ASR NEDERLAND NV (ASRNL.AS). This can be considered as Fairly Valued.
Can you provide the profitability details for ASR NEDERLAND NV?
ASR NEDERLAND NV (ASRNL.AS) has a profitability rating of 3 / 10.
What is the valuation of ASR NEDERLAND NV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ASR NEDERLAND NV (ASRNL.AS) is 14 and the Price/Book (PB) ratio is 1.28.
Can you provide the expected EPS growth for ASRNL stock?
The Earnings per Share (EPS) of ASR NEDERLAND NV (ASRNL.AS) is expected to grow by 20.76% in the next year.