Logo image of ASRNL.AS

ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis

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

50.48  -0.1 (-0.2%)

Fundamental Rating

3

Overall ASRNL gets a fundamental rating of 3 out of 10. We evaluated ASRNL against 36 industry peers in the Insurance industry. Both the profitability and financial health of ASRNL have multiple concerns. ASRNL is not valued too expensively and it also shows a decent growth rate. ASRNL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
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 2B 4B

1.2 Ratios

ASRNL has a Return On Assets of 0.63%. This is in the lower half of the industry: ASRNL underperforms 69.44% of its industry peers.
The Return On Equity of ASRNL (10.25%) is worse than 69.44% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.92%, ASRNL belongs to the top of the industry, outperforming 80.56% of the companies in the same industry.
Industry RankSector Rank
ROA 0.63%
ROE 10.25%
ROIC 2.92%
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 4.86%, ASRNL is doing worse than 66.67% of the companies in the same industry.
ASRNL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 29.81%, ASRNL belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
ASRNL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 29.81%
PM (TTM) 4.86%
GM N/A
OM growth 3Y30.81%
OM growth 5Y14.65%
PM growth 3Y-14.6%
PM growth 5Y-12.88%
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

More info and screens

1

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.
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 to FCF ratio of 23.07. This is a negative value and a sign of low solvency as ASRNL would need 23.07 years to pay back of all of its debts.
With a Debt to FCF ratio value of 23.07, ASRNL is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.90 indicates that ASRNL is somewhat dependend on debt financing.
ASRNL has a worse Debt to Equity ratio (0.90) than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 23.07
Altman-Z N/A
ROIC/WACC0.21
WACC13.92%
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

More info and screens

4

3. Growth

3.1 Past

ASRNL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -46.42%.
Measured over the past years, ASRNL shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.50% on average per year.
The Revenue has decreased by -6.87% in the past year.
Measured over the past years, ASRNL shows a quite strong growth in Revenue. The Revenue has been growing by 14.02% on average per year.
EPS 1Y (TTM)-46.42%
EPS 3Y-9.61%
EPS 5Y-6.5%
EPS Q2Q%-20.52%
Revenue 1Y (TTM)-6.87%
Revenue growth 3Y16.57%
Revenue growth 5Y14.02%
Sales Q2Q%-34.04%

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 10.00% yearly.
The Revenue is expected to grow by 3.01% on average over the next years.
EPS Next Y30.59%
EPS Next 2Y18.25%
EPS Next 3Y16.8%
EPS Next 5Y10%
Revenue Next Year2.43%
Revenue Next 2Y3.05%
Revenue Next 3Y3.01%
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.
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 2028 2029 2030 5B 10B 15B
ASRNL.AS Yearly EPS VS EstimatesASRNL.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.05, the valuation of ASRNL can be described as correct.
ASRNL's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 29.35. ASRNL is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.88, the valuation of ASRNL can be described as very reasonable.
ASRNL's Price/Forward Earnings ratio is in line with the industry average.
ASRNL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.05
Fwd PE 9.88
ASRNL.AS Price Earnings VS Forward Price EarningsASRNL.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

66.67% of the companies in the same industry are cheaper than ASRNL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 29.47
EV/EBITDA N/A
ASRNL.AS Per share dataASRNL.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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 16.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y18.25%
EPS Next 3Y16.8%

More info and screens

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.17%, ASRNL is a good candidate for dividend investing.
ASRNL's Dividend Yield is rather good when compared to the industry average which is at 4.63. ASRNL pays more dividend than 80.56% of the companies in the same industry.
ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 6.17%

5.2 History

The dividend of ASRNL is nicely growing with an annual growth rate of 32.50%!
Dividend Growth(5Y)32.5%
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

ASRNL pays out 64.63% 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.
DP64.63%
EPS Next 2Y18.25%
EPS Next 3Y16.8%
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

More info and screens

ASR NEDERLAND NV

AMS:ASRNL (3/7/2025, 7:00:00 PM)

50.48

-0.1 (-0.2%)

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 Cap10.67B
Analysts84.35
Price Target56.55 (12.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.17%
Yearly Dividend2.7
Dividend Growth(5Y)32.5%
DP64.63%
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)1.88%
PT rev (3m)2.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.39%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)3.76%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 9.88
P/S 0.55
P/FCF 29.47
P/OCF 25.89
P/B 1.15
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)4.19
EY8.3%
EPS(NY)5.11
Fwd EY10.12%
FCF(TTM)1.71
FCFY3.39%
OCF(TTM)1.95
OCFY3.86%
SpS92.19
BVpS43.72
TBVpS40.82
PEG (NY)0.39
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.63%
ROE 10.25%
ROCE 3.92%
ROIC 2.92%
ROICexc 2.99%
ROICexgc 3.32%
OM 29.81%
PM (TTM) 4.86%
GM N/A
FCFM 1.86%
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 3Y23.36%
ROICexcg growth 5Y13.76%
ROICexc growth 3Y22.85%
ROICexc growth 5Y13.64%
OM growth 3Y30.81%
OM growth 5Y14.65%
PM growth 3Y-14.6%
PM growth 5Y-12.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 23.07
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.26%
Interest Coverage 3.63
Cash Conversion N/A
Profit Quality 38.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.92%
ROIC/WACC0.21
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-46.42%
EPS 3Y-9.61%
EPS 5Y-6.5%
EPS Q2Q%-20.52%
EPS Next Y30.59%
EPS Next 2Y18.25%
EPS Next 3Y16.8%
EPS Next 5Y10%
Revenue 1Y (TTM)-6.87%
Revenue growth 3Y16.57%
Revenue growth 5Y14.02%
Sales Q2Q%-34.04%
Revenue Next Year2.43%
Revenue Next 2Y3.05%
Revenue Next 3Y3.01%
Revenue Next 5YN/A
EBIT growth 1Y1208.11%
EBIT growth 3Y52.49%
EBIT growth 5Y30.72%
EBIT Next Year114.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y254.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y136.78%
OCF growth 3YN/A
OCF growth 5YN/A