ASR NEDERLAND NV (A16.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:A16 • NL0011872643

62.24 EUR
-0.2 (-0.32%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

A16 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. A16 may be in some trouble as it scores bad on both profitability and health. A16 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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.
  • The reported operating cash flow has been mixed in the past 5 years: A16 reported negative operating cash flow in multiple years.
A16.DE Yearly Net Income VS EBIT VS OCF VS FCFA16.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

  • With a Return On Assets value of 0.76%, A16 is not doing good in the industry: 69.77% of the companies in the same industry are doing better.
  • The Return On Equity of A16 (10.90%) is worse than 79.07% of its industry peers.
  • A16's Return On Invested Capital of 3.59% is fine compared to the rest of the industry. A16 outperforms 79.07% of its industry peers.
Industry RankSector 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
A16.DE Yearly ROA, ROE, ROICA16.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • The Profit Margin of A16 (6.52%) is worse than 72.09% of its industry peers.
  • A16's Profit Margin has declined in the last couple of years.
  • A16 has a better Operating Margin (40.37%) than 95.35% of its industry peers.
  • In the last couple of years the Operating Margin of A16 has remained more or less at the same level.
Industry RankSector 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
A16.DE Yearly Profit, Operating, Gross MarginsA16.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
  • Compared to 1 year ago, A16 has an improved debt to assets ratio.
A16.DE Yearly Shares OutstandingA16.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
A16.DE Yearly Total Debt VS Total AssetsA16.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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 Debt to FCF ratio of 179.66. This is amonst the worse of the industry: A16 underperforms 86.05% of its industry peers.
  • A Debt/Equity ratio of 0.97 indicates that A16 is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.97, A16 is doing worse than 76.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF 179.66
Altman-Z N/A
ROIC/WACC0.24
WACC15.2%
A16.DE Yearly LT Debt VS Equity VS FCFA16.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
A16.DE Yearly Current Assets VS Current LiabilitesA16.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • Looking at the last year, A16 shows a quite strong growth in Revenue. The Revenue has grown by 12.18% in the last year.
  • A16 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.88% yearly.
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

  • Based on estimates for the next years, A16 will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.62% on average per year.
  • Based on estimates for the next years, A16 will show a small growth in Revenue. The Revenue will grow by 1.90% on average per year.
EPS Next Y21.34%
EPS Next 2Y23.32%
EPS Next 3Y16.92%
EPS Next 5Y10.62%
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.
A16.DE Yearly Revenue VS EstimatesA16.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
A16.DE Yearly EPS VS EstimatesA16.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.41, A16 is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of A16 indicates a slightly more expensive valuation: A16 is more expensive than 62.79% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 28.06. A16 is valued slightly cheaper when compared to this.
  • A16 is valuated reasonably with a Price/Forward Earnings ratio of 10.46.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of A16 is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of A16 to the average of the S&P500 Index (27.86), we can say A16 is valued rather cheaply.
Industry RankSector Rank
PE 14.41
Fwd PE 10.46
A16.DE Price Earnings VS Forward Price EarningsA16.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • A16's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. A16 is cheaper than 100.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, A16 is valued more expensive than 86.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 245.57
EV/EBITDA 2.17
A16.DE Per share dataA16.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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.
  • A more expensive valuation may be justified as A16's earnings are expected to grow with 16.92% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y23.32%
EPS Next 3Y16.92%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • A16 has a Yearly Dividend Yield of 5.24%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.23, A16 pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, A16 pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.24%

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

  • 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 2Y23.32%
EPS Next 3Y16.92%
A16.DE Yearly Income VS Free CF VS DividendA16.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
A16.DE Dividend Payout.A16.DE Dividend Payout, showing the Payout Ratio.A16.DE Dividend Payout.PayoutRetained Earnings

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ASR NEDERLAND NV

FRA:A16 (2/9/2026, 7:00:00 PM)

62.24

-0.2 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-20
Earnings (Next)02-18
Inst Owners77.16%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap13.02B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts79.05
Price Target66.74 (7.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.24%
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)2.03%
PT rev (3m)5.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.48%
EPS NY rev (3m)2.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.41
Fwd PE 10.46
P/S 0.79
P/FCF 245.57
P/OCF 175.88
P/B 1.32
P/tB 1.4
EV/EBITDA 2.17
EPS(TTM)4.32
EY6.94%
EPS(NY)5.95
Fwd EY9.56%
FCF(TTM)0.25
FCFY0.41%
OCF(TTM)0.35
OCFY0.57%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.68
PEG (5Y)N/A
Graham Number67.71
Profitability
Industry RankSector 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 RankSector 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
WACC15.2%
ROIC/WACC0.24
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 Y21.34%
EPS Next 2Y23.32%
EPS Next 3Y16.92%
EPS Next 5Y10.62%
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.


Can you provide the valuation status for ASR NEDERLAND NV?

ChartMill assigns a valuation rating of 5 / 10 to ASR NEDERLAND NV (A16.DE). This can be considered as Fairly Valued.


What is the profitability of A16 stock?

ASR NEDERLAND NV (A16.DE) has a profitability rating of 3 / 10.


What is the valuation of ASR NEDERLAND NV based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ASR NEDERLAND NV (A16.DE) is 14.41 and the Price/Book (PB) ratio is 1.32.


Is the dividend of ASR NEDERLAND NV sustainable?

The dividend rating of ASR NEDERLAND NV (A16.DE) is 6 / 10 and the dividend payout ratio is 60.74%.