ASR NEDERLAND NV (A16.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A16 - NL0011872643 - Common Stock
60.98 EUR
0 (0%)
Taking everything into account, A16 scores 3 out of 10 in our fundamental rating. A16 was compared to 49 industry peers in the Insurance industry. Both the profitability and financial health of A16 have multiple concerns. 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.
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's Return On Assets of 0.76% is on the low side compared to the rest of the industry. A16 is outperformed by 69.39% of its industry peers.
With a Return On Equity value of 10.90%, A16 is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
The Return On Invested Capital of A16 (3.59%) is better than 81.63% 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
A16's Profit Margin of 6.52% is on the low side compared to the rest of the industry. A16 is outperformed by 69.39% of its industry peers.
A16's Profit Margin has declined in the last couple of years.
The Operating Margin of A16 (40.37%) is better than 97.96% 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.
Compared to 1 year ago, A16 has less shares outstanding
Compared to 5 years ago, A16 has more shares outstanding
A16 has a better debt/assets ratio than last year.
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 81.63% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that 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 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.38%
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 -8.27% on average per year.
A16 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.18%.
The Revenue has been growing slightly by 7.88% on average over the past years.
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
A16 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.94% yearly.
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 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
A Price/Earnings ratio of 14.12 indicates a correct valuation of A16.
A16's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.00, A16 is valued a bit cheaper.
With a Price/Forward Earnings ratio of 10.31, the valuation of A16 can be described as very reasonable.
A16's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. A16 is cheaper than 67.35% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, 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 cheaply inside the industry as 100.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, A16 is valued expensively inside the industry as 81.63% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 240.59 | ||
| EV/EBITDA | 2.13 |
4.3 Compensation for Growth
The 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 16.81% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y22.95%
EPS Next 3Y16.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.33%, A16 is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.08, A16 pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, 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
60.74% of the earnings are spent on dividend by A16. This is not a sustainable payout ratio.
The dividend of A16 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y22.95%
EPS Next 3Y16.81%
FRA:A16 (1/5/2026, 7:00:00 PM)
60.98
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners77.16%
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)3.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.69%
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 | 2.13 |
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
WACC15.38%
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%.