ASR NEDERLAND NV (A16.DE) Stock Fundamental Analysis
Europe - FRA:A16 - NL0011872643 - Common Stock
57.18 EUR
-0.2 (-0.35%)
We assign a fundamental rating of 3 out of 10 to A16. A16 was compared to 43 industry peers in the Insurance industry. Both the profitability and financial health of A16 have multiple concerns. A16 has a correct valuation and a medium growth rate. A16 also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
A16 had positive earnings in the past year.
A16 had a positive operating cash flow in the past year.
A16 had positive earnings in 4 of the past 5 years.
In multiple years A16 reported negative operating cash flow during the last 5 years.
1.2 Ratios
A16 has a Return On Assets of 0.76%. This is in the lower half of the industry: A16 underperforms 62.79% of its industry peers.
A16 has a worse Return On Equity (10.90%) than 74.42% of its industry peers.
With an excellent Return On Invested Capital value of 3.59%, A16 belongs to the best of the industry, outperforming 88.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROIC | 3.59% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 6.52%, A16 is not doing good in the industry: 69.77% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of A16 has declined.
With an excellent Operating Margin value of 40.37%, A16 belongs to the best of the industry, outperforming 97.67% of the companies in the same industry.
A16's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A |
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), A16 is destroying value.
The number of shares outstanding for A16 has been reduced compared to 1 year ago.
The number of shares outstanding for A16 has been increased compared to 5 years ago.
The debt/assets ratio for A16 has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of A16 is 179.66, which is on the high side as it means it would take A16, 179.66 years of fcf income to pay off all of its debts.
A16 has a worse Debt to FCF ratio (179.66) than 81.40% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that A16 is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, A16 is not doing good in the industry: 72.09% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.56%
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 impressive 68.75% over the past year.
A16 shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.32% yearly.
The Revenue has grown by 12.18% in the past year. This is quite good.
The Revenue has been growing slightly by 7.88% on average over the past years.
EPS 1Y (TTM)68.75%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
3.2 Future
A16 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.52% yearly.
A16 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
EPS Next Y18.07%
EPS Next 2Y22.51%
EPS Next 3Y16.85%
EPS Next 5Y10.52%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.24, which indicates a correct valuation of A16.
Compared to the rest of the industry, the Price/Earnings ratio of A16 is on the same level as its industry peers.
A16's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.08.
Based on the Price/Forward Earnings ratio of 9.74, the valuation of A16 can be described as reasonable.
Based on the Price/Forward Earnings ratio, A16 is valued a bit cheaper than 69.77% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of A16 to the average of the S&P500 Index (23.09), we can say A16 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 9.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, A16 is valued cheaply inside the industry as 95.35% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, A16 is valued a bit more expensive than the industry average as 79.07% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 225.6 | ||
| EV/EBITDA | 2.02 |
4.3 Compensation for Growth
A16's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A16's earnings are expected to grow with 16.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y22.51%
EPS Next 3Y16.85%
5. Dividend
5.1 Amount
A16 has a Yearly Dividend Yield of 5.64%, which is a nice return.
A16's Dividend Yield is rather good when compared to the industry average which is at 4.57. A16 pays more dividend than 81.40% of the companies in the same industry.
A16's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
5.2 History
The dividend of A16 is nicely growing with an annual growth rate of 18.44%!
Dividend Growth(5Y)18.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
60.74% of the earnings are spent on dividend by A16. This is not a sustainable payout ratio.
A16's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y22.51%
EPS Next 3Y16.85%
FRA:A16 (10/24/2025, 7:00:00 PM)
57.18
-0.2 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners75.64%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap11.96B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts76.19
Price Target63.5 (11.05%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
Yearly Dividend2.99
Dividend Growth(5Y)18.44%
DP60.74%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 9.74 | ||
| P/S | 0.73 | ||
| P/FCF | 225.6 | ||
| P/OCF | 161.58 | ||
| P/B | 1.21 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | 2.02 |
EPS(TTM)4.32
EY7.56%
EPS(NY)5.87
Fwd EY10.27%
FCF(TTM)0.25
FCFY0.44%
OCF(TTM)0.35
OCFY0.62%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.73
PEG (5Y)N/A
Graham Number67.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROCE | 4.87% | ||
| ROIC | 3.59% | ||
| ROICexc | 3.68% | ||
| ROICexgc | 4.28% | ||
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A | ||
| FCFM | 0.32% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-9.47%
ROICexgc growth 5Y-6.2%
ROICexc growth 3Y-9.94%
ROICexc growth 5Y-6.29%
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 18.58% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 1.85 | ||
| Cash Conversion | 1.09% | ||
| Profit Quality | 4.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.56%
ROIC/WACC0.23
Cap/Depr(3y)150.16%
Cap/Depr(5y)245.19%
Cap/Sales(3y)1.79%
Cap/Sales(5y)1.92%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.75%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
EPS Next Y18.07%
EPS Next 2Y22.51%
EPS Next 3Y16.85%
EPS Next 5Y10.52%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
EBIT growth 1Y45.64%
EBIT growth 3Y10.47%
EBIT growth 5Y7.74%
EBIT Next Year113.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-57.47%
OCF growth 3YN/A
OCF growth 5YN/A
ASR NEDERLAND NV / A16.DE FAQ
What is the fundamental rating for A16 stock?
ChartMill assigns a fundamental rating of 3 / 10 to A16.DE.
What is the valuation status for A16 stock?
ChartMill assigns a valuation rating of 5 / 10 to ASR NEDERLAND NV (A16.DE). This can be considered as Fairly Valued.
How profitable is ASR NEDERLAND NV (A16.DE) stock?
ASR NEDERLAND NV (A16.DE) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for A16 stock?
The Price/Earnings (PE) ratio for ASR NEDERLAND NV (A16.DE) is 13.24 and the Price/Book (PB) ratio is 1.21.
How sustainable is the dividend of ASR NEDERLAND NV (A16.DE) stock?
The dividend rating of ASR NEDERLAND NV (A16.DE) is 7 / 10 and the dividend payout ratio is 60.74%.