AGEAS (1AGS.MI) Stock Fundamental Analysis
Europe - BIT:1AGS - BE0974264930 - Common Stock
58.3 EUR
+1.05 (+1.83%)
Taking everything into account, 1AGS scores 4 out of 10 in our fundamental rating. 1AGS was compared to 39 industry peers in the Insurance industry. There are concerns on the financial health of 1AGS while its profitability can be described as average. 1AGS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1AGS had positive earnings in the past year.
1AGS had a positive operating cash flow in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.16%, 1AGS is in line with its industry, outperforming 46.15% of the companies in the same industry.
1AGS has a Return On Equity (14.28%) which is in line with its industry peers.
| 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
Looking at the Profit Margin, with a value of 12.74%, 1AGS is in the better half of the industry, outperforming 74.36% of the companies in the same industry.
In the last couple of years the Profit Margin of 1AGS has grown nicely.
Looking at the Operating Margin, with a value of 14.58%, 1AGS is in the better half of the industry, outperforming 64.10% of the companies in the same industry.
1AGS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
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.
1AGS has a worse debt/assets ratio than last year.
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 of 3.64. This is comparable to the rest of the industry: 1AGS outperforms 46.15% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that 1AGS is somewhat dependend on debt financing.
1AGS has a Debt to Equity ratio of 0.65. This is comparable to the rest of the industry: 1AGS outperforms 43.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.02% over the past year.
Measured over the past 5 years, 1AGS shows a small growth in Earnings Per Share. The EPS has been growing by 3.68% on average per year.
Looking at the last year, 1AGS shows a small growth in Revenue. The Revenue has grown by 7.60% in the last year.
1AGS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.73% yearly.
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
The Earnings Per Share is expected to grow by 4.66% on average over the next years.
1AGS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.88% yearly.
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.66%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.88%
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 9.33, the valuation of 1AGS can be described as reasonable.
1AGS's Price/Earnings ratio is rather cheap when compared to the industry. 1AGS is cheaper than 87.18% of the companies in the same industry.
1AGS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
Based on the Price/Forward Earnings ratio of 7.67, the valuation of 1AGS can be described as very cheap.
1AGS's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1AGS is cheaper than 82.05% of the companies in the same industry.
1AGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 7.67 |
4.2 Price Multiples
1AGS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1AGS is cheaper than 71.79% of the companies in the same industry.
66.67% of the companies in the same industry are more expensive than 1AGS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.04 | ||
| EV/EBITDA | 8.07 |
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)1.75
PEG (5Y)2.54
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
1AGS has a Yearly Dividend Yield of 4.25%, which is a nice return.
Compared to an average industry Dividend Yield of 4.62, 1AGS has a dividend in line with its industry peers.
1AGS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
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 2Y5.86%
EPS Next 3Y6.86%
BIT:1AGS (10/28/2025, 7:00:00 PM)
58.3
+1.05 (+1.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.79%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.60B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target61.08 (4.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
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)-0.77%
PT rev (3m)7.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.33 | ||
| Fwd PE | 7.67 | ||
| P/S | 1.28 | ||
| P/FCF | 8.04 | ||
| P/OCF | 6.35 | ||
| P/B | 1.44 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | 8.07 |
EPS(TTM)6.25
EY10.72%
EPS(NY)7.6
Fwd EY13.04%
FCF(TTM)7.25
FCFY12.43%
OCF(TTM)9.18
OCFY15.75%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.75
PEG (5Y)2.54
Graham Number75.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.58% | ||
| 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 Rank | Sector 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
WACC7.13%
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 Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.66%
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 5Y9.88%
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.
Can you provide the valuation status for AGEAS?
ChartMill assigns a valuation rating of 6 / 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.
What is the valuation of AGEAS based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AGEAS (1AGS.MI) is 9.33 and the Price/Book (PB) ratio is 1.44.
Can you provide the expected EPS growth for 1AGS stock?
The Earnings per Share (EPS) of AGEAS (1AGS.MI) is expected to grow by 5.32% in the next year.