ASRNL Fundamental Analysis - ASR NEDERLAND NV

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 48 industry peers in the Insurance industry. ASRNL may be in some trouble as it scores bad on both profitability and health. ASRNL has a correct valuation and a medium growth rate.

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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.
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 70.83% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.90%, ASRNL is doing worse than 81.25% of the companies in the same industry.
With an excellent Return On Invested Capital value of 3.59%, ASRNL belongs to the best of the industry, outperforming 81.25% 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 has a Profit Margin of 6.52%. This is in the lower half of the industry: ASRNL underperforms 72.92% of its industry peers.
ASRNL's Profit Margin has declined in the last couple of years.
ASRNL's Operating Margin of 40.37% is amongst the best of the industry. ASRNL outperforms 93.75% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASRNL is destroying value.
The number of shares outstanding for ASRNL has been reduced compared to 1 year ago.
The number of shares outstanding for ASRNL has been increased compared to 5 years ago.
ASRNL has a better debt/assets ratio than last year.

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 85.42% of the companies in the same industry.
A Debt/Equity ratio of 0.97 indicates that ASRNL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.97, ASRNL is doing worse than 77.08% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.97
Debt/FCF	179.66
Altman-Z	N/A

ROIC/WACC0.24

WACC15.25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.75% over the past year.
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

Based on estimates for the next years, ASRNL will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.62% on average per year.
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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.17 indicates a correct valuation of ASRNL.
The rest of the industry has a similar Price/Earnings ratio as ASRNL.
ASRNL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.35 indicates a reasonable valuation of ASRNL.
Based on the Price/Forward Earnings ratio, ASRNL is valued a bit cheaper than 62.50% of the companies 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 24.29.

		Industry Rank	Sector Rank
PE	14.17
Fwd PE	10.35

4.2 Price Multiples

97.92% of the companies in the same industry are more expensive than ASRNL, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, ASRNL is valued more expensive than 85.42% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	241.54
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)0.68

PEG (5Y)N/A

EPS Next 2Y22.95%

EPS Next 3Y16.81%

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5. Dividend

5.1 Amount

ASRNL has a Yearly Dividend Yield of 5.26%, which is a nice return.
Compared to an average industry Dividend Yield of 4.19, ASRNL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.85, ASRNL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.26%

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%

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ASR NEDERLAND NV

AMS:ASRNL (1/19/2026, 11:16:58 AM)

61.22

-0.34 (-0.55%)

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 Cap12.80B

Revenue(TTM)16.48B

Net Income(TTM)1.07B

Analysts79.05

Price Target65.93 (7.69%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.26%

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)0.67%

PT rev (3m)3.86%

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	14.17
Fwd PE	10.35
P/S	0.78
P/FCF	241.54
P/OCF	173
P/B	1.3
P/tB	1.38
EV/EBITDA	2.15

EPS(TTM)4.32

EY7.06%

EPS(NY)5.91

Fwd EY9.66%

FCF(TTM)0.25

FCFY0.41%

OCF(TTM)0.35

OCFY0.58%

SpS78.82

BVpS47.16

TBVpS44.31

PEG (NY)0.68

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

WACC15.25%

ROIC/WACC0.24

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 14.17 and the Price/Book (PB) ratio is 1.3.

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.

ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

ASR NEDERLAND NV / ASRNL.AS FAQ

What is the ChartMill fundamental rating of ASR NEDERLAND NV (ASRNL.AS) stock?

Can you provide the valuation status for ASR NEDERLAND NV?

Can you provide the profitability details for ASR NEDERLAND NV?

What are the PE and PB ratios of ASR NEDERLAND NV (ASRNL.AS) stock?

What is the expected EPS growth for ASR NEDERLAND NV (ASRNL.AS) stock?