ASR NEDERLAND NV (A16.DE) Stock Fundamental Analysis
Europe - FRA:A16 - NL0011872643 - Common Stock
56.84 EUR
-0.02 (-0.04%)
We assign a fundamental rating of 3 out of 10 to A16. A16 was compared to 40 industry peers in the Insurance industry. A16 has a bad profitability rating. Also its financial health evaluation is rather negative. A16 is not valued too expensively and it also shows a decent growth rate.
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.
Of the past 5 years A16 4 years were profitable.
In multiple years A16 reported negative operating cash flow during the last 5 years.
1.2 Ratios
A16 has a worse Return On Assets (0.76%) than 60.00% of its industry peers.
With a Return On Equity value of 10.90%, A16 is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
The Return On Invested Capital of A16 (3.59%) is better than 82.50% of its industry peers.
| 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
The Profit Margin of A16 (6.52%) is worse than 70.00% of its industry peers.
A16's Profit Margin has declined in the last couple of years.
A16's Operating Margin of 40.37% is amongst the best of the industry. A16 outperforms 95.00% of its industry peers.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so A16 is destroying value.
A16 has less shares outstanding than it did 1 year ago.
The number of shares outstanding for A16 has been increased compared to 5 years ago.
A16 has a better debt/assets ratio than last year.
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 80.00% of its industry peers.
A16 has a Debt/Equity ratio of 0.97. This is a neutral value indicating A16 is somewhat dependend on debt financing.
A16's Debt to Equity ratio of 0.97 is on the low side compared to the rest of the industry. A16 is outperformed by 72.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
A16 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.75%, which is quite impressive.
Measured over the past years, A16 shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.32% on average per year.
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
The Earnings Per Share is expected to grow by 10.52% on average over the next years. This is quite good.
The Revenue is expected to grow by 1.90% on average over the next years.
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
A16 is valuated correctly with a Price/Earnings ratio of 13.16.
The rest of the industry has a similar Price/Earnings ratio as A16.
A16's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.46.
With a Price/Forward Earnings ratio of 9.68, the valuation of A16 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of A16 indicates a somewhat cheap valuation: A16 is cheaper than 67.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.39. A16 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.16 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, A16 is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
A16's Price/Free Cash Flow ratio is rather expensive when compared to the industry. A16 is more expensive than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 224.26 | ||
| EV/EBITDA | 2.01 |
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 5.53%, which is a nice return.
Compared to an average industry Dividend Yield of 4.50, A16 pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, A16 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.53% |
5.2 History
On average, the dividend of A16 grows each year by 18.44%, which is quite nice.
Dividend Growth(5Y)18.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
A16 pays out 60.74% of its income as dividend. 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 (11/19/2025, 7:00:00 PM)
56.84
-0.02 (-0.04%)
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 Cap11.89B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts76.19
Price Target63.5 (11.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.53% |
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 | 13.16 | ||
| Fwd PE | 9.68 | ||
| P/S | 0.72 | ||
| P/FCF | 224.26 | ||
| P/OCF | 160.62 | ||
| P/B | 1.21 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | 2.01 |
EPS(TTM)4.32
EY7.6%
EPS(NY)5.87
Fwd EY10.33%
FCF(TTM)0.25
FCFY0.45%
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
WACC15.29%
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 13.16 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 6 / 10 and the dividend payout ratio is 60.74%.