NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:NN - NL0010773842 - Common Stock
65.34 EUR
-0.42 (-0.64%)
NN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. NN has only an average score on both its financial health and 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.
In the past year NN had a positive cash flow from operations.
NN had positive earnings in each of the past 5 years.
In multiple years NN reported negative operating cash flow during the last 5 years.
1.2 Ratios
NN has a Return On Assets of 0.61%. This is in the lower half of the industry: NN underperforms 76.60% of its industry peers.
With a Return On Equity value of 5.84%, NN is not doing good in the industry: 87.23% of the companies in the same industry are doing better.
NN has a Return On Invested Capital of 0.43%. This is in the lower half of the industry: NN underperforms 65.96% 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 2.63%.
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's Profit Margin of 9.91% is fine compared to the rest of the industry. NN outperforms 63.83% of its industry peers.
NN's Profit Margin has improved in the last couple of years.
The Operating Margin of NN (8.71%) is comparable to the rest of the industry.
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
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
The number of shares outstanding for NN has been reduced compared to 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.
NN has a Altman-Z score of 0.13. This is in the better half of the industry: NN outperforms 78.72% 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.
Looking at the Debt to FCF ratio, with a value of 70.44, NN is doing worse than 74.47% of the companies in the same industry.
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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.18%
2.3 Liquidity
NN has a Current Ratio of 2.16. This indicates that NN is financially healthy and has no problem in meeting its short term obligations.
NN's Current ratio of 2.16 is amongst the best of the industry. NN outperforms 91.49% of its industry peers.
A Quick Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
NN's Quick ratio of 2.16 is amongst the best of the industry. NN outperforms 91.49% 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.
NN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.39%.
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)10.61%
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.
The Revenue is expected to grow by 2.40% on average over the next years.
EPS Next Y-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
NN is valuated correctly with a Price/Earnings ratio of 13.93.
NN's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.84, NN is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 8.11, the valuation of NN can be described as reasonable.
Based on the Price/Forward Earnings ratio, NN is valued cheaper than 85.11% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NN to the average of the S&P500 Index (23.40), we can say NN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.93 | ||
| Fwd PE | 8.11 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as NN.
Based on the Price/Free Cash Flow ratio, NN is valued a bit more expensive than the industry average as 74.47% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 93 | ||
| EV/EBITDA | 18.43 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y9.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.38%, NN is a good candidate for dividend investing.
NN's Dividend Yield is rather good when compared to the industry average which is at 3.90. NN pays more dividend than 85.11% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, NN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
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
NN pays out 73.42% of its income as dividend. 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 2Y11.84%
EPS Next 3Y9.81%
AMS:NN (12/29/2025, 7:00:00 PM)
65.34
-0.42 (-0.64%)
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 Cap17.58B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts78.33
Price Target66.63 (1.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
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)0.83%
PT rev (3m)5.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.15%
EPS NY rev (3m)-5.4%
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 | 13.93 | ||
| Fwd PE | 8.11 | ||
| P/S | 1.38 | ||
| P/FCF | 93 | ||
| P/OCF | 70.59 | ||
| P/B | 0.81 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 18.43 |
EPS(TTM)4.69
EY7.18%
EPS(NY)8.06
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
WACC8.18%
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-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
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 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 4 / 10.
Can you provide the PE and PB ratios for NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (NN.AS) is 13.93 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.