ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ASRNL - NL0011872643 - Common Stock
57.88 EUR
+0.24 (+0.42%)
We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 48 industry peers in the Insurance industry. Both the profitability and financial health of ASRNL have multiple concerns. ASRNL has a correct valuation and a medium growth rate. ASRNL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ASRNL was profitable.
In the past year ASRNL had a positive cash flow from operations.
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
The Return On Assets of ASRNL (0.76%) is worse than 62.50% of its industry peers.
With a Return On Equity value of 10.90%, ASRNL is not doing good in the industry: 77.08% of the companies in the same industry are doing better.
ASRNL's Return On Invested Capital of 3.59% is amongst the best of the industry. ASRNL outperforms 81.25% of its industry peers.
| 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: 70.83% of the companies in the same industry are doing better.
ASRNL's Profit Margin has declined in the last couple of years.
The Operating Margin of ASRNL (40.37%) is better than 97.92% of its industry peers.
In the last couple of years the Operating Margin of ASRNL has remained more or less at the same level.
| 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.
Compared to 1 year ago, ASRNL has less shares outstanding
Compared to 5 years ago, ASRNL has more shares outstanding
ASRNL has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 179.66 is on the low side compared to the rest of the industry. ASRNL is outperformed by 81.25% 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.
Looking at the Debt to Equity ratio, with a value of 0.97, ASRNL is doing worse than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
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.
Measured over the past years, ASRNL shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.32% on average per year.
ASRNL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.18%.
ASRNL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.88% yearly.
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 10.94% 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 Y19.93%
EPS Next 2Y22.62%
EPS Next 3Y16.59%
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
With a Price/Earnings ratio of 13.40, ASRNL is valued correctly.
ASRNL's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.46. ASRNL is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 9.84 indicates a reasonable valuation of ASRNL.
Based on the Price/Forward Earnings ratio, ASRNL is valued a bit cheaper than 70.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.10. ASRNL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 9.84 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ASRNL indicates a rather cheap valuation: ASRNL is cheaper than 100.00% of the companies listed in the same industry.
ASRNL's Price/Free Cash Flow ratio is rather expensive when compared to the industry. ASRNL is more expensive than 81.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 228.36 | ||
| EV/EBITDA | 2.04 |
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 16.59% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y22.62%
EPS Next 3Y16.59%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.60%, which is a nice return.
Compared to an average industry Dividend Yield of 4.48, ASRNL pays a better dividend. On top of this ASRNL pays more dividend than 81.25% of the companies listed in the same industry.
ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
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
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 2Y22.62%
EPS Next 3Y16.59%
AMS:ASRNL (12/5/2025, 7:00:00 PM)
57.88
+0.24 (+0.42%)
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 Cap12.10B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts79.05
Price Target65.49 (13.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
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)2.08%
PT rev (3m)3.66%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.53%
EPS NY rev (3m)-12.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-16.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 9.84 | ||
| P/S | 0.73 | ||
| P/FCF | 228.36 | ||
| P/OCF | 163.56 | ||
| P/B | 1.23 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 2.04 |
EPS(TTM)4.32
EY7.46%
EPS(NY)5.88
Fwd EY10.16%
FCF(TTM)0.25
FCFY0.44%
OCF(TTM)0.35
OCFY0.61%
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-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
EPS Next Y19.93%
EPS Next 2Y22.62%
EPS Next 3Y16.59%
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 13.4 and the Price/Book (PB) ratio is 1.23.
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 19.93% in the next year.