AGEAS (1AGS.MI) Stock Fundamental Analysis
BIT:1AGS - Euronext Milan - BE0974264930 - Common Stock - Currency: EUR
1AGS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 37 industry peers in the Insurance industry. There are concerns on the financial health of 1AGS while its profitability can be described as average. 1AGS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1AGS was profitable.
1AGS had a positive operating cash flow in the past year.
In the past 5 years 1AGS has always been profitable.
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
With a Return On Assets value of 1.14%, 1AGS perfoms like the industry average, outperforming 51.35% of the companies in the same industry.
1AGS's Return On Equity of 14.42% is in line compared to the rest of the industry. 1AGS outperforms 56.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| 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 better Profit Margin (12.55%) than 72.97% of its industry peers.
1AGS's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 15.03%, 1AGS is in the better half of the industry, outperforming 75.68% of the companies in the same industry.
In the last couple of years the Operating Margin of 1AGS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| 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
The debt/assets ratio for 1AGS is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of 1AGS is 7.40, which is on the high side as it means it would take 1AGS, 7.40 years of fcf income to pay off all of its debts.
1AGS has a Debt to FCF ratio of 7.40. This is in the lower half of the industry: 1AGS underperforms 62.16% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that 1AGS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, 1AGS is in line with its industry, outperforming 40.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.04%
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 17.42%, which is quite good.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.36%.
Measured over the past years, 1AGS shows a decrease in Revenue. The Revenue has been decreasing by -8.69% on average per year.
EPS 1Y (TTM)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
3.2 Future
1AGS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.35% yearly.
Based on estimates for the next years, 1AGS will show a small growth in Revenue. The Revenue will grow by 3.25% on average per year.
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.35%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.25%
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.
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
A Price/Earnings ratio of 9.44 indicates a reasonable valuation of 1AGS.
Based on the Price/Earnings ratio, 1AGS is valued cheaper than 89.19% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.25, 1AGS is valued rather cheaply.
The Price/Forward Earnings ratio is 7.96, which indicates a rather cheap valuation of 1AGS.
1AGS's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1AGS is cheaper than 83.78% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.15. 1AGS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.44 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
72.97% of the companies in the same industry are more expensive than 1AGS, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1AGS indicates a slightly more expensive valuation: 1AGS is more expensive than 64.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.82 | ||
| EV/EBITDA | 8.56 |
4.3 Compensation for Growth
1AGS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.46
PEG (5Y)2.57
EPS Next 2Y7.75%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
1AGS has a Yearly Dividend Yield of 4.34%, which is a nice return.
1AGS's Dividend Yield is comparable with the industry average which is at 4.50.
Compared to an average S&P500 Dividend Yield of 2.40, 1AGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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
52.24% of the earnings are spent on dividend by 1AGS. 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.
DP52.24%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
BIT:1AGS (5/21/2025, 7:00:00 PM)
57.5
+1.4 (+2.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.34%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.44B
Analysts72.5
Price Target55.91 (-2.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP52.24%
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)4.68%
PT rev (3m)5.8%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.44 | ||
| Fwd PE | 7.96 | ||
| P/S | 1.28 | ||
| P/FCF | 17.82 | ||
| P/OCF | 10.95 | ||
| P/B | 1.48 | ||
| P/tB | 1.87 | ||
| EV/EBITDA | 8.56 |
EPS(TTM)6.09
EY10.59%
EPS(NY)7.22
Fwd EY12.56%
FCF(TTM)3.23
FCFY5.61%
OCF(TTM)5.25
OCFY9.14%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.46
PEG (5Y)2.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A | ||
| FCFM | 7.2% |
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 | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 130% | ||
| Cap/Sales | 4.52% | ||
| Interest Coverage | 4.55 | ||
| Cash Conversion | 63.37% | ||
| Profit Quality | 57.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.04%
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)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.35%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.25%
EBIT growth 1Y-7.53%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-15.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y658.26%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y742.74%
OCF growth 3YN/A
OCF growth 5Y17.48%