ASR NEDERLAND NV (A16.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A16 - NL0011872643 - Common Stock
60.98 EUR
+0.36 (+0.59%)
We assign a fundamental rating of 3 out of 10 to A16. A16 was compared to 47 industry peers in the Insurance industry. A16 may be in some trouble as it scores bad on both profitability and health. 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 68.09% of its industry peers.
Looking at the Return On Equity, with a value of 10.90%, A16 is doing worse than 76.60% of the companies in the same industry.
With an excellent Return On Invested Capital value of 3.59%, A16 belongs to the best of the industry, outperforming 80.85% 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
Looking at the Profit Margin, with a value of 6.52%, A16 is doing worse than 65.96% of the companies in the same industry.
A16's Profit Margin has declined in the last couple of years.
The Operating Margin of A16 (40.37%) is better than 95.74% 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
A16 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
2.2 Solvency
A16 has a debt to FCF ratio of 179.66. This is a negative value and a sign of low solvency as A16 would need 179.66 years to pay back of all of its debts.
The Debt to FCF ratio of A16 (179.66) is worse than 78.72% 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 has a Debt to Equity ratio of 0.97. This is in the lower half of the industry: A16 underperforms 74.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.51%
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 -8.27% yearly.
A16 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.18%.
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-12.44%
EPS 5Y-8.27%
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 10.94% 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 Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.94%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.12, which indicates a correct valuation of A16.
A16's Price/Earnings ratio is in line with the industry average.
A16's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.60.
A16 is valuated reasonably with a Price/Forward Earnings ratio of 10.31.
Based on the Price/Forward Earnings ratio, A16 is valued a bit cheaper than the industry average as 68.09% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of A16 to the average of the S&P500 Index (23.23), we can say A16 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 10.31 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, A16 is valued cheaper than 97.87% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of A16 indicates a slightly more expensive valuation: A16 is more expensive than 78.72% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 240.59 | ||
| EV/EBITDA | 2.12 |
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 16.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y22.95%
EPS Next 3Y16.81%
5. Dividend
5.1 Amount
A16 has a Yearly Dividend Yield of 5.33%, which is a nice return.
A16's Dividend Yield is a higher than the industry average which is at 3.90.
Compared to an average S&P500 Dividend Yield of 2.00, A16 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
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 2Y22.95%
EPS Next 3Y16.81%
FRA:A16 (1/2/2026, 7:00:00 PM)
60.98
+0.36 (+0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners77.34%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.75B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts79.05
Price Target65.42 (7.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.33% |
Yearly Dividend3
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)1.38%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.28%
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 | 14.12 | ||
| Fwd PE | 10.31 | ||
| P/S | 0.77 | ||
| P/FCF | 240.59 | ||
| P/OCF | 172.32 | ||
| P/B | 1.29 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | 2.12 |
EPS(TTM)4.32
EY7.08%
EPS(NY)5.91
Fwd EY9.7%
FCF(TTM)0.25
FCFY0.42%
OCF(TTM)0.35
OCFY0.58%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.68
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
WACC15.51%
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-12.44%
EPS 5Y-8.27%
EPS Q2Q%214.29%
EPS Next Y20.76%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
EPS Next 5Y10.94%
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 14.12 and the Price/Book (PB) ratio is 1.29.
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%.