ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - AMS:ASRNL - NL0011872643 - Common Stock
58.5 EUR
-0.56 (-0.95%)
We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 39 industry peers in the Insurance industry. ASRNL may be in some trouble as it scores bad on both profitability and health. ASRNL is not valued too expensively and it also shows a decent growth rate.
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.
Of the past 5 years ASRNL 4 years were profitable.
In multiple years ASRNL reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.76%, ASRNL is doing worse than 61.54% of the companies in the same industry.
With a Return On Equity value of 10.90%, ASRNL is not doing good in the industry: 74.36% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 3.59%, ASRNL belongs to the top of the industry, outperforming 87.18% 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
The Profit Margin of ASRNL (6.52%) is worse than 71.79% of its industry peers.
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 97.44% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASRNL is destroying value.
ASRNL has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ASRNL has been increased compared to 5 years ago.
Compared to 1 year ago, ASRNL has an improved debt to assets ratio.
2.2 Solvency
ASRNL has a debt to FCF ratio of 179.66. This is a negative value and a sign of low solvency as ASRNL would need 179.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 179.66, ASRNL is doing worse than 82.05% of the companies in the same industry.
ASRNL has a Debt/Equity ratio of 0.97. This is a neutral value indicating ASRNL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, ASRNL is not doing good in the industry: 71.79% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.39%
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.
ASRNL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.32% yearly.
Looking at the last year, ASRNL shows a quite strong growth in Revenue. The Revenue has grown by 12.18% in the last year.
Measured over the past years, ASRNL shows a small growth in Revenue. The Revenue has been growing by 7.88% on average per year.
EPS 1Y (TTM)68.75%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
3.2 Future
The Earnings Per Share is expected to grow by 10.94% on average over the next years. This is quite good.
ASRNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
EPS Next Y18.12%
EPS Next 2Y23.14%
EPS Next 3Y17.24%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.54 indicates a correct valuation of ASRNL.
Compared to the rest of the industry, the Price/Earnings ratio of ASRNL is on the same level as its industry peers.
ASRNL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
ASRNL is valuated reasonably with a Price/Forward Earnings ratio of 9.86.
Based on the Price/Forward Earnings ratio, ASRNL is valued a bit cheaper than the industry average as 69.23% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, ASRNL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.54 | ||
| Fwd PE | 9.86 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ASRNL is valued cheaply inside the industry as 94.87% of the companies are valued more expensively.
82.05% of the companies in the same industry are cheaper than ASRNL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 230.81 | ||
| EV/EBITDA | 2.07 |
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 17.24% in the coming years.
PEG (NY)0.75
PEG (5Y)N/A
EPS Next 2Y23.14%
EPS Next 3Y17.24%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.47%, which is a nice return.
ASRNL's Dividend Yield is a higher than the industry average which is at 4.52.
ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
5.2 History
The dividend of ASRNL is nicely growing with an annual growth rate of 18.44%!
Dividend Growth(5Y)18.44%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
60.74% of the earnings are spent on dividend by ASRNL. 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 2Y23.14%
EPS Next 3Y17.24%
AMS:ASRNL (11/14/2025, 7:00:00 PM)
58.5
-0.56 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners75.64%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.23B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts78.1
Price Target64.16 (9.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Yearly Dividend2.99
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)1.07%
PT rev (3m)6%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.04%
EPS NY rev (3m)-11.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-16.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.54 | ||
| Fwd PE | 9.86 | ||
| P/S | 0.74 | ||
| P/FCF | 230.81 | ||
| P/OCF | 165.31 | ||
| P/B | 1.24 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | 2.07 |
EPS(TTM)4.32
EY7.38%
EPS(NY)5.93
Fwd EY10.14%
FCF(TTM)0.25
FCFY0.43%
OCF(TTM)0.35
OCFY0.6%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.75
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
WACC15.39%
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-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
EPS Next Y18.12%
EPS Next 2Y23.14%
EPS Next 3Y17.24%
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 13.54 and the Price/Book (PB) ratio is 1.24.
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 18.12% in the next year.