NN GROUP NV (2NN.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:2NN - NL0010773842 - Common Stock
65.66 EUR
+0.38 (+0.58%)
2NN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. 2NN has only an average score on both its financial health and profitability. 2NN has a decent growth rate and is not valued too expensively. 2NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
2NN had positive earnings in the past year.
2NN had a positive operating cash flow in the past year.
2NN had positive earnings in each of the past 5 years.
In multiple years 2NN reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 0.61%, 2NN is not doing good in the industry: 73.33% of the companies in the same industry are doing better.
The Return On Equity of 2NN (5.84%) is worse than 84.44% of its industry peers.
2NN has a worse Return On Invested Capital (0.43%) than 60.00% of its industry peers.
2NN had an Average Return On Invested Capital over the past 3 years of 0.31%. This is below the industry average of 2.63%.
The 3 year average ROIC (0.31%) for 2NN is below the current ROIC(0.43%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROIC | 0.43% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
1.3 Margins
With a decent Profit Margin value of 9.91%, 2NN is doing good in the industry, outperforming 62.22% of the companies in the same industry.
2NN's Profit Margin has improved in the last couple of years.
2NN has a Operating Margin of 8.71%. This is comparable to the rest of the industry: 2NN outperforms 42.22% of its industry peers.
In the last couple of years the Operating Margin of 2NN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A |
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
2NN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
2NN has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 2NN has less shares outstanding
2NN has a better debt/assets ratio than last year.
2.2 Solvency
2NN has an Altman-Z score of 0.13. This is a bad value and indicates that 2NN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of 2NN (0.13) is better than 77.78% of its industry peers.
The Debt to FCF ratio of 2NN is 70.44, which is on the high side as it means it would take 2NN, 70.44 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of 2NN (70.44) is worse than 73.33% of its industry peers.
2NN has a Debt/Equity ratio of 0.62. This is a neutral value indicating 2NN is somewhat dependend on debt financing.
2NN's Debt to Equity ratio of 0.62 is in line compared to the rest of the industry. 2NN outperforms 57.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.11%
2.3 Liquidity
A Current Ratio of 2.16 indicates that 2NN has no problem at all paying its short term obligations.
2NN has a Current ratio of 2.16. This is amongst the best in the industry. 2NN outperforms 93.33% of its industry peers.
A Quick Ratio of 2.16 indicates that 2NN has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.16, 2NN belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.61% over the past year.
Measured over the past years, 2NN shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.60% on average per year.
Looking at the last year, 2NN shows a small growth in Revenue. The Revenue has grown by 1.39% in the last year.
2NN shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -12.53% yearly.
EPS 1Y (TTM)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
The Earnings Per Share is expected to grow by 6.34% on average over the next years.
2NN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.40% yearly.
EPS Next Y-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.4%
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
The Price/Earnings ratio is 14.00, which indicates a correct valuation of 2NN.
The rest of the industry has a similar Price/Earnings ratio as 2NN.
2NN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
With a Price/Forward Earnings ratio of 8.15, the valuation of 2NN can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 2NN indicates a rather cheap valuation: 2NN is cheaper than 86.67% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. 2NN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 8.15 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as 2NN.
2NN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 2NN is more expensive than 73.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 93.45 | ||
| EV/EBITDA | 18.41 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y9.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.38%, 2NN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.90, 2NN pays a better dividend. On top of this 2NN pays more dividend than 82.22% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, 2NN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
5.2 History
The dividend of 2NN is nicely growing with an annual growth rate of 15.92%!
Dividend Growth(5Y)15.92%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
2NN pays out 73.42% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 2NN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
FRA:2NN (12/23/2025, 7:00:00 PM)
65.66
+0.38 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.47%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap17.66B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts78.33
Price Target66.73 (1.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
Yearly Dividend2.56
Dividend Growth(5Y)15.92%
DP73.42%
Div Incr Years2
Div Non Decr Years2
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)1.08%
PT rev (3m)5.13%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.15%
EPS NY rev (3m)-5.4%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 8.15 | ||
| P/S | 1.38 | ||
| P/FCF | 93.45 | ||
| P/OCF | 70.93 | ||
| P/B | 0.82 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | 18.41 |
EPS(TTM)4.69
EY7.14%
EPS(NY)8.06
Fwd EY12.28%
FCF(TTM)0.7
FCFY1.07%
OCF(TTM)0.93
OCFY1.41%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number92.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.45% | ||
| ROICexgc | 0.59% | ||
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A | ||
| FCFM | 1.48% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
ROICexc(3y)0.32%
ROICexc(5y)0.58%
ROICexgc(3y)0.42%
ROICexgc(5y)0.75%
ROCE(3y)0.39%
ROCE(5y)0.7%
ROICexgc growth 3Y-14.7%
ROICexgc growth 5Y-8.18%
ROICexc growth 3Y-16.09%
ROICexc growth 5Y-9.11%
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Debt/EBITDA | 10.56 | ||
| Cap/Depr | 40% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | 0.78 | ||
| Cash Conversion | 19.75% | ||
| Profit Quality | 14.95% | ||
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 | ||
| Altman-Z | 0.13 |
F-Score7
WACC8.11%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
EPS Next Y-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
EPS Next 5Y6.34%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.4%
EBIT growth 1Y62.43%
EBIT growth 3Y-20.73%
EBIT growth 5Y-11.93%
EBIT Next Year8.41%
EBIT Next 3Y3.51%
EBIT Next 5YN/A
FCF growth 1Y114.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.99%
OCF growth 3YN/A
OCF growth 5YN/A
NN GROUP NV / 2NN.DE FAQ
What is the ChartMill fundamental rating of NN GROUP NV (2NN.DE) stock?
ChartMill assigns a fundamental rating of 5 / 10 to 2NN.DE.
What is the valuation status for 2NN stock?
ChartMill assigns a valuation rating of 4 / 10 to NN GROUP NV (2NN.DE). This can be considered as Fairly Valued.
How profitable is NN GROUP NV (2NN.DE) stock?
NN GROUP NV (2NN.DE) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for 2NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (2NN.DE) is 14 and the Price/Book (PB) ratio is 0.82.
Is the dividend of NN GROUP NV sustainable?
The dividend rating of NN GROUP NV (2NN.DE) is 7 / 10 and the dividend payout ratio is 73.42%.