AGEAS (1AGS.MI) Fundamental Analysis & Valuation

BIT:1AGS • BE0974264930

63.1 EUR
+3.35 (+5.61%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This 1AGS.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

1AGS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. 1AGS has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1AGS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. 1AGS.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1AGS was profitable.
  • In the past year 1AGS had a positive cash flow from operations.
  • Each year in the past 5 years 1AGS has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 1AGS reported negative operating cash flow in multiple years.
1AGS.MI Yearly Net Income VS EBIT VS OCF VS FCF1AGS.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B

1.2 Ratios

  • 1AGS has a Return On Assets of 1.16%. This is in the lower half of the industry: 1AGS underperforms 63.04% of its industry peers.
  • With a Return On Equity value of 14.28%, 1AGS perfoms like the industry average, outperforming 45.65% of the companies in the same industry.
Industry RankSector Rank
ROA 1.16%
ROE 14.28%
ROIC N/A
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
ROIC(3y)N/A
ROIC(5y)N/A
1AGS.MI Yearly ROA, ROE, ROIC1AGS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • 1AGS's Profit Margin of 12.74% is fine compared to the rest of the industry. 1AGS outperforms 69.57% of its industry peers.
  • 1AGS's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 14.58%, 1AGS is doing good in the industry, outperforming 65.22% of the companies in the same industry.
  • In the last couple of years the Operating Margin of 1AGS has grown nicely.
Industry RankSector Rank
OM 14.58%
PM (TTM) 12.74%
GM N/A
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
1AGS.MI Yearly Profit, Operating, Gross Margins1AGS.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. 1AGS.MI Health Analysis

2.1 Basic Checks

  • 1AGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1AGS has less shares outstanding than it did 1 year ago.
  • 1AGS has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1AGS has a worse debt to assets ratio.
1AGS.MI Yearly Shares Outstanding1AGS.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
1AGS.MI Yearly Total Debt VS Total Assets1AGS.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

  • The Debt to FCF ratio of 1AGS is 3.64, which is a good value as it means it would take 1AGS, 3.64 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 3.64, 1AGS is not doing good in the industry: 60.87% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.65 indicates that 1AGS is somewhat dependend on debt financing.
  • 1AGS has a Debt to Equity ratio (0.65) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC7.25%
1AGS.MI Yearly LT Debt VS Equity VS FCF1AGS.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1AGS.MI Yearly Current Assets VS Current Liabilites1AGS.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. 1AGS.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.02% over the past year.
  • 1AGS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.68% yearly.
  • 1AGS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
  • Measured over the past years, 1AGS shows a decrease in Revenue. The Revenue has been decreasing by -8.73% on average per year.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%

3.2 Future

  • Based on estimates for the next years, 1AGS will show a small growth in Earnings Per Share. The EPS will grow by 4.42% on average per year.
  • Based on estimates for the next years, 1AGS will show a quite strong growth in Revenue. The Revenue will grow by 9.57% on average per year.
EPS Next Y5.79%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
EPS Next 5Y4.42%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.57%

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.
1AGS.MI Yearly Revenue VS Estimates1AGS.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B
1AGS.MI Yearly EPS VS Estimates1AGS.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

More info and screens

Find the best growth stocksShow best growing peers

5

4. 1AGS.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.10, the valuation of 1AGS can be described as reasonable.
  • Based on the Price/Earnings ratio, 1AGS is valued a bit cheaper than 78.26% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. 1AGS is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 8.14, which indicates a very decent valuation of 1AGS.
  • Based on the Price/Forward Earnings ratio, 1AGS is valued cheaply inside the industry as 86.96% of the companies are valued more expensively.
  • 1AGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.1
Fwd PE 8.14
1AGS.MI Price Earnings VS Forward Price Earnings1AGS.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1AGS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1AGS is cheaper than 76.09% of the companies in the same industry.
  • 1AGS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 8.71
EV/EBITDA 8.65
1AGS.MI Per share data1AGS.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.74
PEG (5Y)2.75
EPS Next 2Y6.87%
EPS Next 3Y7.94%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1AGS.MI Dividend Analysis

5.1 Amount

  • 1AGS has a Yearly Dividend Yield of 4.33%, which is a nice return.
  • 1AGS's Dividend Yield is comparable with the industry average which is at 4.21.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1AGS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.33%

5.2 History

  • On average, the dividend of 1AGS grows each year by 8.13%, which is quite nice.
Dividend Growth(5Y)8.13%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 1AGS pays out 54.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • 1AGS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
1AGS.MI Yearly Income VS Free CF VS Dividend1AGS.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B
1AGS.MI Dividend Payout.1AGS.MI Dividend Payout, showing the Payout Ratio.1AGS.MI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

1AGS.MI Fundamentals: All Metrics, Ratios and Statistics

AGEAS

BIT:1AGS (2/24/2026, 7:00:00 PM)

63.1

+3.35 (+5.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners31.62%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap12.55B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts75
Price Target65.81 (4.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.33%
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP54.29%
Div Incr Years0
Div Non Decr Years0
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)5.13%
PT rev (3m)7.47%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.1
Fwd PE 8.14
P/S 1.39
P/FCF 8.71
P/OCF 6.87
P/B 1.55
P/tB 1.96
EV/EBITDA 8.65
EPS(TTM)6.25
EY9.9%
EPS(NY)7.75
Fwd EY12.28%
FCF(TTM)7.25
FCFY11.49%
OCF(TTM)9.18
OCFY14.55%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.74
PEG (5Y)2.75
Graham Number75.56
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 14.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.58%
PM (TTM) 12.74%
GM N/A
FCFM 15.93%
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
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)1.34%
ROCE(5y)1.29%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 3.64
Debt/EBITDA 3.19
Cap/Depr 117.74%
Cap/Sales 4.25%
Interest Coverage 4.77
Cash Conversion 110.93%
Profit Quality 125.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.25%
ROIC/WACCN/A
Cap/Depr(3y)80.34%
Cap/Depr(5y)60.12%
Cap/Sales(3y)3.25%
Cap/Sales(5y)2.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
EPS Next Y5.79%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
EPS Next 5Y4.42%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.57%
EBIT growth 1Y0.46%
EBIT growth 3Y5.77%
EBIT growth 5Y5.52%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y288.68%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y222.22%
OCF growth 3YN/A
OCF growth 5Y17.48%

AGEAS / 1AGS.MI FAQ

What is the fundamental rating for 1AGS stock?

ChartMill assigns a fundamental rating of 4 / 10 to 1AGS.MI.


What is the valuation status of AGEAS (1AGS.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to AGEAS (1AGS.MI). This can be considered as Fairly Valued.


How profitable is AGEAS (1AGS.MI) stock?

AGEAS (1AGS.MI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for 1AGS stock?

The Price/Earnings (PE) ratio for AGEAS (1AGS.MI) is 10.1 and the Price/Book (PB) ratio is 1.55.


What is the financial health of AGEAS (1AGS.MI) stock?

The financial health rating of AGEAS (1AGS.MI) is 2 / 10.