NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:NN - NL0010773842 - Common Stock
64.16 EUR
+0.96 (+1.52%)
Overall NN gets a fundamental rating of 4 out of 10. We evaluated NN against 49 industry peers in the Insurance industry. The financial health of NN is average, but there are quite some concerns on its profitability. NN has a decent growth rate and is not valued too expensively. NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NN was profitable.
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
With a Return On Assets value of 0.61%, NN is not doing good in the industry: 75.51% of the companies in the same industry are doing better.
The Return On Equity of NN (5.84%) is worse than 85.71% 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 63.27% of its industry peers.
NN had an Average Return On Invested Capital over the past 3 years of 0.31%. This is below the industry average of 2.67%.
The 3 year average ROIC (0.31%) for NN is below the current ROIC(0.43%), indicating increased profibility in the last year.
| 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 Profit Margin of 9.91%. This is comparable to the rest of the industry: NN outperforms 59.18% of its industry peers.
In the last couple of years the Profit Margin of NN has grown nicely.
The Operating Margin of NN (8.71%) is worse than 61.22% 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
Compared to 5 years ago, NN has less shares outstanding
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.
NN's Altman-Z score of 0.13 is fine compared to the rest of the industry. NN outperforms 75.51% of its industry peers.
NN has a debt to FCF ratio of 70.44. This is a negative value and a sign of low solvency as NN would need 70.44 years to pay back of 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 75.51% of its industry peers.
A Debt/Equity ratio of 0.62 indicates that NN is somewhat dependend on debt financing.
NN has a Debt to Equity ratio (0.62) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.07%
2.3 Liquidity
A Current Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.16, NN belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
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.
NN has a better Quick ratio (2.16) than 93.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
NN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.61%, which is quite good.
NN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.60% yearly.
Looking at the last year, NN shows a small growth in Revenue. The Revenue has grown by 1.39% in the last year.
Measured over the past years, NN shows a very negative growth in Revenue. The Revenue has been decreasing by -12.53% on average per year.
EPS 1Y (TTM)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
NN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
NN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.40% yearly.
EPS Next Y-3.47%
EPS Next 2Y11.7%
EPS Next 3Y9.71%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.4%
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
Based on the Price/Earnings ratio of 13.68, the valuation of NN can be described as correct.
NN's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of NN to the average of the S&P500 Index (26.55), we can say NN is valued slightly cheaper.
A Price/Forward Earnings ratio of 7.98 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 87.76% of the companies in the same industry.
NN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 7.98 |
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 75.51% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 91.32 | ||
| EV/EBITDA | 17.89 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.7%
EPS Next 3Y9.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.58%, NN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.14, NN pays a better dividend. On top of this NN pays more dividend than 81.63% 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
The dividend of NN is nicely growing with an annual growth rate of 15.92%!
Dividend Growth(5Y)15.92%
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.
The dividend of NN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y11.7%
EPS Next 3Y9.71%
AMS:NN (12/15/2025, 7:00:00 PM)
64.16
+0.96 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.47%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap17.26B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts78.33
Price Target66.63 (3.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend2.56
Dividend Growth(5Y)15.92%
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)3.73%
PT rev (3m)5.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.38%
EPS NY rev (3m)-10.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | 7.98 | ||
| P/S | 1.35 | ||
| P/FCF | 91.32 | ||
| P/OCF | 69.31 | ||
| P/B | 0.8 | ||
| P/tB | 0.84 | ||
| EV/EBITDA | 17.89 |
EPS(TTM)4.69
EY7.31%
EPS(NY)8.04
Fwd EY12.53%
FCF(TTM)0.7
FCFY1.1%
OCF(TTM)0.93
OCFY1.44%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number92.15
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
WACC8.07%
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)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
EPS Next Y-3.47%
EPS Next 2Y11.7%
EPS Next 3Y9.71%
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 5Y2.4%
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 4 / 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 13.68 and the Price/Book (PB) ratio is 0.8.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 5 / 10.