AGEAS (1AGS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1AGS - BE0974264930 - Common Stock
61 EUR
+0.1 (+0.16%)
1AGS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 49 industry peers in the Insurance industry. While 1AGS is still in line with the averages on profitability rating, there are concerns on its financial health. 1AGS has a correct valuation and a medium 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.
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
Looking at the Return On Assets, with a value of 1.16%, 1AGS is doing worse than 65.31% of the companies in the same industry.
The Return On Equity of 1AGS (14.28%) is comparable to the rest of the 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 12.74%. This is in the better half of the industry: 1AGS outperforms 77.55% of its industry peers.
In the last couple of years the Profit Margin of 1AGS has grown nicely.
1AGS has a Operating Margin of 14.58%. This is in the better half of the industry: 1AGS outperforms 63.27% of its industry peers.
In the last couple of years the Operating Margin of 1AGS has grown nicely.
| 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.
The number of shares outstanding for 1AGS has been reduced compared to 1 year ago.
Compared to 5 years ago, 1AGS has less shares outstanding
1AGS has a worse debt/assets ratio than last year.
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.
Looking at the Debt to FCF ratio, with a value of 3.64, 1AGS is doing worse than 61.22% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that 1AGS is somewhat dependend on debt financing.
The Debt to Equity ratio of 1AGS (0.65) is worse than 65.31% of its industry peers.
| 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.
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.
1AGS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
The Revenue has been decreasing by -8.73% on average over the past years.
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
1AGS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.66% yearly.
The Revenue is expected to grow by 9.88% on average over the next years. This is quite good.
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.
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
Based on the Price/Earnings ratio of 9.76, the valuation of 1AGS can be described as reasonable.
Based on the Price/Earnings ratio, 1AGS is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.17. 1AGS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.03, the valuation of 1AGS can be described as reasonable.
Based on the Price/Forward Earnings ratio, 1AGS is valued cheaper than 91.84% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, 1AGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 8.03 |
4.2 Price Multiples
75.51% of the companies in the same industry are more expensive than 1AGS, based on the Enterprise Value to EBITDA ratio.
63.27% 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 | 8.42 | ||
| EV/EBITDA | 8.39 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1AGS does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.83
PEG (5Y)2.66
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.21%, 1AGS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.08, 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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
54.29% of the earnings are spent on dividend by 1AGS. 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 2Y5.86%
EPS Next 3Y6.86%
BIT:1AGS (1/5/2026, 7:00:00 PM)
61
+0.1 (+0.16%)
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 Cap12.14B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target62.44 (2.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.21% |
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)1.43%
PT rev (3m)9.95%
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 | 9.76 | ||
| Fwd PE | 8.03 | ||
| P/S | 1.34 | ||
| P/FCF | 8.42 | ||
| P/OCF | 6.64 | ||
| P/B | 1.5 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 8.39 |
EPS(TTM)6.25
EY10.25%
EPS(NY)7.6
Fwd EY12.46%
FCF(TTM)7.25
FCFY11.88%
OCF(TTM)9.18
OCFY15.06%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.83
PEG (5Y)2.66
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
WACC7.11%
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 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.
What is the valuation status of AGEAS (1AGS.MI) stock?
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.
Can you provide the PE and PB ratios for 1AGS stock?
The Price/Earnings (PE) ratio for AGEAS (1AGS.MI) is 9.76 and the Price/Book (PB) ratio is 1.5.
What is the financial health of AGEAS (1AGS.MI) stock?
The financial health rating of AGEAS (1AGS.MI) is 2 / 10.