NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - AMS:NN - NL0010773842 - Common Stock
61.34 EUR
-0.2 (-0.32%)
NN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 40 industry peers in the Insurance industry. NN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NN has a correct valuation and a medium growth rate. NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NN had positive earnings in the past year.
NN had a positive operating cash flow in the past year.
Each year in the past 5 years NN has been profitable.
In multiple years NN reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.61%, NN is doing worse than 72.50% of the companies in the same industry.
NN's Return On Equity of 5.84% is on the low side compared to the rest of the industry. NN is outperformed by 82.50% of its industry peers.
NN has a Return On Invested Capital of 0.43%. This is in the lower half of the industry: NN underperforms 62.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for NN is below the industry average of 2.35%.
The last Return On Invested Capital (0.43%) for NN is above the 3 year average (0.31%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROIC | 0.43% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
1.3 Margins
NN has a better Profit Margin (9.91%) than 65.00% of its industry peers.
In the last couple of years the Profit Margin of NN has grown nicely.
NN's Operating Margin of 8.71% is on the low side compared to the rest of the industry. NN is outperformed by 60.00% of its industry peers.
In the last couple of years the Operating Margin of NN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A |
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
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), NN is destroying value.
Compared to 1 year ago, NN has less shares outstanding
NN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for NN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.13, we must say that NN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of NN (0.13) is better than 80.00% of its industry peers.
The Debt to FCF ratio of NN is 70.44, which is on the high side as it means it would take NN, 70.44 years of fcf income to pay off all of its debts.
NN's Debt to FCF ratio of 70.44 is on the low side compared to the rest of the industry. NN is outperformed by 72.50% of its industry peers.
NN has a Debt/Equity ratio of 0.62. This is a neutral value indicating NN is somewhat dependend on debt financing.
NN's Debt to Equity ratio of 0.62 is fine compared to the rest of the industry. NN outperforms 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC7.9%
2.3 Liquidity
A Current Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
NN's Current ratio of 2.16 is amongst the best of the industry. NN outperforms 95.00% of its industry peers.
NN has a Quick Ratio of 2.16. This indicates that NN is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.16, NN belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.80% over the past year.
The Earnings Per Share has been decreasing by -0.60% on average over the past years.
The Revenue has been growing slightly by 1.39% in the past year.
NN shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -12.53% yearly.
EPS 1Y (TTM)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
Based on estimates for the next years, NN will show a small growth in Earnings Per Share. The EPS will grow by 6.34% on average per year.
The Revenue is expected to grow by 2.39% on average over the next years.
EPS Next Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.39%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
NN is valuated correctly with a Price/Earnings ratio of 13.05.
Compared to the rest of the industry, the Price/Earnings ratio of NN indicates a somewhat cheap valuation: NN is cheaper than 65.00% of the companies listed in the same industry.
NN is valuated rather cheaply when we compare the Price/Earnings ratio to 25.56, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.75, which indicates a rather cheap valuation of NN.
NN's Price/Forward Earnings ratio is rather cheap when compared to the industry. NN is cheaper than 85.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.62. NN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 7.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NN is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NN indicates a slightly more expensive valuation: NN is more expensive than 72.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 87.3 | ||
| EV/EBITDA | 17.53 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.82%
EPS Next 3Y8.86%
5. Dividend
5.1 Amount
NN has a Yearly Dividend Yield of 5.68%, which is a nice return.
Compared to an average industry Dividend Yield of 4.50, NN pays a better dividend. On top of this NN pays more dividend than 87.50% of the companies listed in the same industry.
NN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
The dividend of NN is nicely growing with an annual growth rate of 15.91%!
Dividend Growth(5Y)15.91%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
73.42% of the earnings are spent on dividend by NN. This is not a sustainable payout ratio.
NN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
AMS:NN (11/17/2025, 7:00:00 PM)
61.34
-0.2 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.87%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap16.50B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts77.5
Price Target64.24 (4.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
Yearly Dividend2.56
Dividend Growth(5Y)15.91%
DP73.42%
Div Incr Years6
Div Non Decr Years6
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)0.12%
PT rev (3m)6.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.32%
EPS NY rev (3m)-9.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 7.75 | ||
| P/S | 1.29 | ||
| P/FCF | 87.3 | ||
| P/OCF | 66.27 | ||
| P/B | 0.76 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | 17.53 |
EPS(TTM)4.7
EY7.66%
EPS(NY)7.91
Fwd EY12.9%
FCF(TTM)0.7
FCFY1.15%
OCF(TTM)0.93
OCFY1.51%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number92.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.45% | ||
| ROICexgc | 0.59% | ||
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A | ||
| FCFM | 1.48% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
ROICexc(3y)0.32%
ROICexc(5y)0.58%
ROICexgc(3y)0.42%
ROICexgc(5y)0.75%
ROCE(3y)0.39%
ROCE(5y)0.7%
ROICexgc growth 3Y-14.7%
ROICexgc growth 5Y-8.18%
ROICexc growth 3Y-16.09%
ROICexc growth 5Y-9.11%
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Debt/EBITDA | 10.56 | ||
| Cap/Depr | 40% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | 0.78 | ||
| Cash Conversion | 19.75% | ||
| Profit Quality | 14.95% | ||
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 | ||
| Altman-Z | 0.13 |
F-Score7
WACC7.9%
ROIC/WACC0.05
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)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
EPS Next Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
EPS Next 5Y6.34%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.39%
EBIT growth 1Y62.43%
EBIT growth 3Y-20.73%
EBIT growth 5Y-11.93%
EBIT Next Year8.41%
EBIT Next 3Y3.51%
EBIT Next 5YN/A
FCF growth 1Y114.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.99%
OCF growth 3YN/A
OCF growth 5YN/A
NN GROUP NV / NN.AS FAQ
Can you provide the ChartMill fundamental rating for NN GROUP NV?
ChartMill assigns a fundamental rating of 5 / 10 to NN.AS.
What is the valuation status for NN stock?
ChartMill assigns a valuation rating of 4 / 10 to NN GROUP NV (NN.AS). This can be considered as Fairly Valued.
What is the profitability of NN stock?
NN GROUP NV (NN.AS) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (NN.AS) is 13.05 and the Price/Book (PB) ratio is 0.76.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 6 / 10.