AGEAS (1AGS.MI) Stock Fundamental Analysis
Europe - BIT:1AGS - BE0974264930 - Common Stock
58.6 EUR
+0.8 (+1.38%)
We assign a fundamental rating of 4 out of 10 to 1AGS. 1AGS was compared to 42 industry peers in the Insurance industry. 1AGS has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1AGS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year 1AGS was profitable.
In the past year 1AGS had a positive cash flow from operations.
1AGS had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: 1AGS reported negative operating cash flow in multiple years.
1.2 Ratios
1AGS has a Return On Assets of 1.16%. This is comparable to the rest of the industry: 1AGS outperforms 42.86% of its industry peers.
With a Return On Equity value of 14.28%, 1AGS perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
1AGS has a Profit Margin of 12.73%. This is in the better half of the industry: 1AGS outperforms 76.19% of its industry peers.
In the last couple of years the Profit Margin of 1AGS has grown nicely.
1AGS has a Operating Margin of 14.60%. This is in the better half of the industry: 1AGS outperforms 66.67% of its industry peers.
1AGS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.6% | ||
| PM (TTM) | 12.73% | ||
| GM | N/A |
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1AGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1AGS has less shares outstanding
Compared to 5 years ago, 1AGS has less shares outstanding
Compared to 1 year ago, 1AGS has a worse debt to assets ratio.
2.2 Solvency
1AGS has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as 1AGS would need 3.64 years to pay back of all of its debts.
1AGS has a Debt to FCF ratio (3.64) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.65 indicates that 1AGS is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.65, 1AGS perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1AGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.02%, which is quite good.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
1AGS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.62%.
1AGS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.69% yearly.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%
3.2 Future
1AGS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.32% yearly.
The Revenue is expected to grow by 9.56% on average over the next years. This is quite good.
EPS Next Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.32%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same 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
With a Price/Earnings ratio of 9.38, the valuation of 1AGS can be described as very reasonable.
1AGS's Price/Earnings ratio is rather cheap when compared to the industry. 1AGS is cheaper than 92.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, 1AGS is valued rather cheaply.
The Price/Forward Earnings ratio is 7.52, which indicates a rather cheap valuation of 1AGS.
Based on the Price/Forward Earnings ratio, 1AGS is valued cheaper than 88.10% of the companies in the same industry.
1AGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.38 | ||
| Fwd PE | 7.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1AGS indicates a somewhat cheap valuation: 1AGS is cheaper than 69.05% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, 1AGS is valued a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.08 | ||
| EV/EBITDA | 8.09 |
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)1.32
PEG (5Y)2.55
EPS Next 2Y7.21%
EPS Next 3Y7.09%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.24%, 1AGS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.63, 1AGS is paying slightly less dividend.
1AGS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
5.2 History
The dividend of 1AGS is nicely growing with an annual growth rate of 8.13%!
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.
The dividend of 1AGS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
BIT:1AGS (9/23/2025, 7:00:00 PM)
58.6
+0.8 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap11.66B
Analysts76
Price Target61.31 (4.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
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)7.95%
PT rev (3m)9.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.62%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.78%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.38 | ||
| Fwd PE | 7.52 | ||
| P/S | 1.29 | ||
| P/FCF | 8.08 | ||
| P/OCF | 6.38 | ||
| P/B | 1.44 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | 8.09 |
EPS(TTM)6.25
EY10.67%
EPS(NY)7.8
Fwd EY13.3%
FCF(TTM)7.25
FCFY12.37%
OCF(TTM)9.18
OCFY15.67%
SpS45.51
BVpS40.6
TBVpS32.18
PEG (NY)1.32
PEG (5Y)2.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.6% | ||
| PM (TTM) | 12.73% | ||
| 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)1.35%
ROCE(5y)1.3%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Debt/EBITDA | 3.18 | ||
| Cap/Depr | 117.74% | ||
| Cap/Sales | 4.25% | ||
| Interest Coverage | 4.77 | ||
| Cash Conversion | 110.79% | ||
| Profit Quality | 125.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.11%
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 Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.32%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%
EBIT growth 1Y0.61%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
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%