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ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis

AMS:ASRNL - Euronext Amsterdam - NL0011872643 - Common Stock - Currency: EUR

54.1  +0.32 (+0.6%)

Fundamental Rating

3

ASRNL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 34 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ASRNL was profitable.
In the past year ASRNL has reported a negative cash flow from operations.
Of the past 5 years ASRNL 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: ASRNL reported negative operating cash flow in multiple years.
ASRNL.AS Yearly Net Income VS EBIT VS OCF VS FCFASRNL.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

ASRNL has a Return On Assets of 0.64%. This is in the lower half of the industry: ASRNL underperforms 70.59% of its industry peers.
With a Return On Equity value of 9.01%, ASRNL is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 3.00%, ASRNL belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
Industry RankSector Rank
ROA 0.64%
ROE 9.01%
ROIC 3%
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
ASRNL.AS Yearly ROA, ROE, ROICASRNL.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

Looking at the Profit Margin, with a value of 5.79%, ASRNL is doing worse than 67.65% of the companies in the same industry.
In the last couple of years the Profit Margin of ASRNL has declined.
The Operating Margin of ASRNL (35.94%) is better than 97.06% 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 RankSector Rank
OM 35.94%
PM (TTM) 5.79%
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
ASRNL.AS Yearly Profit, Operating, Gross MarginsASRNL.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

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.
Compared to 5 years ago, ASRNL has more shares outstanding
The debt/assets ratio for ASRNL has been reduced compared to a year ago.
ASRNL.AS Yearly Shares OutstandingASRNL.AS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
ASRNL.AS Yearly Total Debt VS Total AssetsASRNL.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

ASRNL has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.09, ASRNL is not doing good in the industry: 76.47% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.19
WACC16.21%
ASRNL.AS Yearly LT Debt VS Equity VS FCFASRNL.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASRNL.AS Yearly Current Assets VS Current LiabilitesASRNL.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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4

3. Growth

3.1 Past

ASRNL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.60%.
The Earnings Per Share has been decreasing by -8.32% on average over the past years.
ASRNL shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.67%.
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)-31.6%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%28.86%
Revenue 1Y (TTM)31.67%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%7.19%

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 8.79% yearly.
ASRNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.01% yearly.
EPS Next Y33.96%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
EPS Next 5Y8.79%
Revenue Next Year2.43%
Revenue Next 2Y3.05%
Revenue Next 3Y3.01%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ASRNL.AS Yearly Revenue VS EstimatesASRNL.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
ASRNL.AS Yearly EPS VS EstimatesASRNL.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.82, which indicates a correct valuation of ASRNL.
Based on the Price/Earnings ratio, ASRNL is valued a bit more expensive than 67.65% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. ASRNL is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 10.32, the valuation of ASRNL can be described as reasonable.
ASRNL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of ASRNL to the average of the S&P500 Index (21.38), we can say ASRNL is valued rather cheaply.
Industry RankSector Rank
PE 15.82
Fwd PE 10.32
ASRNL.AS Price Earnings VS Forward Price EarningsASRNL.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

97.06% of the companies in the same industry are more expensive than ASRNL, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.2
ASRNL.AS Per share dataASRNL.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

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 17.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y18.93%
EPS Next 3Y17.51%

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6

5. Dividend

5.1 Amount

ASRNL has a Yearly Dividend Yield of 5.91%, which is a nice return.
ASRNL's Dividend Yield is a higher than the industry average which is at 4.79.
ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 5.91%

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
ASRNL.AS Yearly Dividends per shareASRNL.AS Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

71.32% 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.
DP71.32%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
ASRNL.AS Yearly Income VS Free CF VS DividendASRNL.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
ASRNL.AS Dividend Payout.ASRNL.AS Dividend Payout, showing the Payout Ratio.ASRNL.AS Dividend Payout.PayoutRetained Earnings

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ASR NEDERLAND NV

AMS:ASRNL (4/25/2025, 7:00:00 PM)

54.1

+0.32 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)08-20 2025-08-20
Inst Owners80.9%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap11.43B
Analysts84.35
Price Target56.87 (5.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.91%
Yearly Dividend2.99
Dividend Growth(5Y)18.44%
DP71.32%
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)0.58%
PT rev (3m)3.08%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.58%
EPS NY rev (3m)2.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.69%
Valuation
Industry RankSector Rank
PE 15.82
Fwd PE 10.32
P/S 0.75
P/FCF N/A
P/OCF N/A
P/B 1.17
P/tB 1.24
EV/EBITDA 2.2
EPS(TTM)3.42
EY6.32%
EPS(NY)5.24
Fwd EY9.69%
FCF(TTM)-3.45
FCFYN/A
OCF(TTM)-3.31
OCFYN/A
SpS72.13
BVpS46.31
TBVpS43.51
PEG (NY)0.47
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 9.01%
ROCE 4.12%
ROIC 3%
ROICexc 3.1%
ROICexgc 3.52%
OM 35.94%
PM (TTM) 5.79%
GM N/A
FCFM N/A
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
ROICexcg growth 3Y-10.55%
ROICexcg 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-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Debt/EBITDA 1.91
Cap/Depr 26.55%
Cap/Sales 0.2%
Interest Coverage 1.53
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC16.21%
ROIC/WACC0.19
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)-31.6%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%28.86%
EPS Next Y33.96%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
EPS Next 5Y8.79%
Revenue 1Y (TTM)31.67%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%7.19%
Revenue Next Year2.43%
Revenue Next 2Y3.05%
Revenue Next 3Y3.01%
Revenue Next 5YN/A
EBIT growth 1Y84.63%
EBIT growth 3Y10.47%
EBIT growth 5Y7.74%
EBIT Next Year113.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-120.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-119.43%
OCF growth 3YN/A
OCF growth 5YN/A