NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:NN - NL0010773842 - Common Stock
65.19 EUR
+0.67 (+1.04%)
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 correct valuation and a medium growth rate. Finally NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NN was profitable.
In the past year NN had a positive cash flow from operations.
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
NN's Return On Assets of 0.61% is on the low side compared to the rest of the industry. NN is outperformed by 75.51% of its industry peers.
Looking at the Return On Equity, with a value of 5.84%, NN is doing worse than 85.71% of the companies in the same industry.
With a Return On Invested Capital value of 0.43%, NN is not doing good in the industry: 63.27% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for NN is below the industry average of 2.67%.
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 Profit Margin (9.91%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of NN has grown nicely.
With a Operating Margin value of 8.71%, NN is not doing good in the industry: 61.22% of the companies in the same industry are doing better.
NN's Operating Margin has been stable in the last couple of years.
| 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
NN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
NN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, NN has less shares outstanding
NN has a better debt/assets ratio than last year.
2.2 Solvency
NN has an Altman-Z score of 0.13. This is a bad value and indicates that NN is not financially healthy and even 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.
NN has a Debt/Equity ratio of 0.62. This is a neutral value indicating NN is somewhat dependend on debt financing.
The Debt to Equity ratio of NN (0.62) 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.
NN has a Current ratio of 2.16. This is amongst the best in the industry. NN outperforms 93.88% of its industry peers.
A Quick Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
Looking at the Quick 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.
| 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 10.61% over the past year.
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.
The Revenue for NN have been decreasing by -12.53% on average. This is quite bad
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
The Earnings Per Share is expected to grow by 6.34% on average over the next years.
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
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 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 13.90, the valuation of NN can be described as correct.
NN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of NN to the average of the S&P500 Index (26.26), we can say NN is valued slightly cheaper.
The Price/Forward Earnings ratio is 8.11, which indicates a very decent valuation of NN.
NN's Price/Forward Earnings ratio is rather cheap when compared to the industry. NN is cheaper than 89.80% 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 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 8.11 |
4.2 Price Multiples
NN's Enterprise Value to EBITDA is on the same level as the industry average.
NN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NN is more expensive than 75.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 92.78 | ||
| EV/EBITDA | 18.17 |
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
NN has a Yearly Dividend Yield of 5.58%, which is a nice return.
NN's Dividend Yield is rather good when compared to the industry average which is at 4.14. NN pays more dividend than 81.63% of the companies 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
On average, the dividend of NN grows each year by 15.92%, which is quite nice.
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 (12/19/2025, 4:53:05 PM)
65.19
+0.67 (+1.04%)
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 Cap17.54B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts78.33
Price Target66.63 (2.21%)
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 | 13.9 | ||
| Fwd PE | 8.11 | ||
| P/S | 1.37 | ||
| P/FCF | 92.78 | ||
| P/OCF | 70.43 | ||
| P/B | 0.81 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 18.17 |
EPS(TTM)4.69
EY7.19%
EPS(NY)8.04
Fwd EY12.34%
FCF(TTM)0.7
FCFY1.08%
OCF(TTM)0.93
OCFY1.42%
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 13.9 and the Price/Book (PB) ratio is 0.81.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 5 / 10.