ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe • Euronext Amsterdam • AMS:ASRNL • NL0011872643
61.18 EUR
0 (0%)
Last: Jan 30, 2026, 07:00 PM
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.
1. Profitability
1.1 Basic Checks
- In the past year ASRNL was profitable.
- 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
- ASRNL has a worse Return On Assets (0.76%) than 66.67% of its industry peers.
- ASRNL has a Return On Equity of 10.90%. This is in the lower half of the industry: ASRNL underperforms 77.08% of its industry peers.
- ASRNL has a better Return On Invested Capital (3.59%) than 79.17% 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
- ASRNL has a Profit Margin of 6.52%. This is in the lower half of the industry: ASRNL underperforms 68.75% of its industry peers.
- ASRNL's Profit Margin has declined in the last couple of years.
- The Operating Margin of ASRNL (40.37%) is better than 95.83% 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
- 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
- Compared to 5 years ago, ASRNL has more shares outstanding
- 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.
- ASRNL has a Debt/Equity ratio of 0.97. This is a neutral value indicating ASRNL is somewhat dependend on debt financing.
- ASRNL has a Debt to Equity ratio of 0.97. This is in the lower half of the industry: ASRNL underperforms 75.00% of its industry peers.
| 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 |
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.
- The Revenue has grown by 12.18% in the past year. This is quite good.
- 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
- 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 Y21.34%
EPS Next 2Y23.32%
EPS Next 3Y16.92%
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
- ASRNL is valuated correctly with a Price/Earnings ratio of 14.16.
- ASRNL's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.32. ASRNL is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 10.28, the valuation of ASRNL can be described as very reasonable.
- ASRNL's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of ASRNL to the average of the S&P500 Index (25.57), we can say ASRNL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.16 | ||
| Fwd PE | 10.28 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ASRNL is valued cheaply inside the industry as 97.92% of the companies are valued more expensively.
- ASRNL's Price/Free Cash Flow ratio is rather expensive when compared to the industry. ASRNL is more expensive than 85.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 241.38 | ||
| EV/EBITDA | 2.14 |
4.3 Compensation for Growth
- The 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 16.92% in the coming years.
PEG (NY)0.66
PEG (5Y)N/A
EPS Next 2Y23.32%
EPS Next 3Y16.92%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.28%, ASRNL is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.11, ASRNL pays a bit more dividend than its industry peers.
- ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.28% |
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.
- The dividend of ASRNL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y23.32%
EPS Next 3Y16.92%
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 14.16 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 21.34% in the next year.