ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ASRNL - NL0011872643 - Common Stock
61.56 EUR
+0.16 (+0.26%)
We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 46 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.
1. Profitability
1.1 Basic Checks
- In the past year ASRNL was profitable.
- 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
- ASRNL has a Return On Assets of 0.76%. This is in the lower half of the industry: ASRNL underperforms 67.39% of its industry peers.
- ASRNL has a worse Return On Equity (10.90%) than 78.26% of its industry peers.
- With an excellent Return On Invested Capital value of 3.59%, ASRNL belongs to the best of the industry, outperforming 82.61% 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
- ASRNL's Profit Margin of 6.52% is on the low side compared to the rest of the industry. ASRNL is outperformed by 69.57% of its industry peers.
- ASRNL's Profit Margin has declined in the last couple of years.
- ASRNL has a better Operating Margin (40.37%) than 97.83% of its industry peers.
- 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ASRNL is destroying value.
- Compared to 1 year ago, ASRNL has less shares outstanding
- ASRNL has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for ASRNL has been reduced compared to a year ago.
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.
- ASRNL's Debt to FCF ratio of 179.66 is on the low side compared to the rest of the industry. ASRNL is outperformed by 82.61% of its industry peers.
- 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: 73.91% 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
WACC15.37%
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.
- 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-12.51%
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
- ASRNL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.62% yearly.
- Based on estimates for the next years, ASRNL will show a small growth in Revenue. The Revenue will grow by 1.90% on average per year.
EPS Next Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.62%
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
- The Price/Earnings ratio is 14.25, which 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.
- When comparing the Price/Earnings ratio of ASRNL to the average of the S&P500 Index (27.47), we can say ASRNL is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 10.41, the valuation of ASRNL can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ASRNL indicates a somewhat cheap valuation: ASRNL is cheaper than 65.22% of the companies listed in the same industry.
- ASRNL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.25 | ||
| Fwd PE | 10.41 |
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.
- 82.61% 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 | 242.88 | ||
| EV/EBITDA | 2.15 |
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.
- ASRNL's earnings are expected to grow with 16.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y22.95%
EPS Next 3Y16.81%
5. Dividend
5.1 Amount
- ASRNL has a Yearly Dividend Yield of 5.27%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.93, ASRNL pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, ASRNL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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 (1/16/2026, 7:00:00 PM)
61.56
+0.16 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-20 2025-08-20
Earnings (Next)02-17 2026-02-17/amc
Inst Owners77.16%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.87B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts79.05
Price Target65.75 (6.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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)0.39%
PT rev (3m)3.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.69%
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 | 14.25 | ||
| Fwd PE | 10.41 | ||
| P/S | 0.78 | ||
| P/FCF | 242.88 | ||
| P/OCF | 173.96 | ||
| P/B | 1.31 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | 2.15 |
EPS(TTM)4.32
EY7.02%
EPS(NY)5.91
Fwd EY9.61%
FCF(TTM)0.25
FCFY0.41%
OCF(TTM)0.35
OCFY0.57%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.69
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
WACC15.37%
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 Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.62%
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.
Can you provide the valuation status for ASR NEDERLAND NV?
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 are the PE and PB ratios of ASR NEDERLAND NV (ASRNL.AS) stock?
The Price/Earnings (PE) ratio for ASR NEDERLAND NV (ASRNL.AS) is 14.25 and the Price/Book (PB) ratio is 1.31.
What is the expected EPS growth for ASR NEDERLAND NV (ASRNL.AS) stock?
The Earnings per Share (EPS) of ASR NEDERLAND NV (ASRNL.AS) is expected to grow by 20.76% in the next year.