AGEAS (AGS.BR) Stock Fundamental Analysis
Europe - EBR:AGS - BE0974264930 - Common Stock
57.375 EUR
+0.48 (+0.83%)
Taking everything into account, AGS scores 4 out of 10 in our fundamental rating. AGS was compared to 39 industry peers in the Insurance industry. While AGS is still in line with the averages on profitability rating, there are concerns on its financial health. AGS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AGS was profitable.
AGS had a positive operating cash flow in the past year.
AGS had positive earnings in each of the past 5 years.
In multiple years AGS reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of AGS (1.16%) is comparable to the rest of the industry.
AGS has a Return On Equity (14.28%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROIC | N/A |
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 12.74%, AGS is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
In the last couple of years the Profit Margin of AGS has grown nicely.
AGS's Operating Margin of 14.58% is fine compared to the rest of the industry. AGS outperforms 66.67% of its industry peers.
In the last couple of years the Operating Margin of AGS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.58% | ||
| PM (TTM) | 12.74% | ||
| GM | N/A |
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AGS has been reduced compared to 1 year ago.
Compared to 5 years ago, AGS has less shares outstanding
AGS has a worse debt/assets ratio than last year.
2.2 Solvency
AGS has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as AGS would need 3.64 years to pay back of all of its debts.
AGS's Debt to FCF ratio of 3.64 is in line compared to the rest of the industry. AGS outperforms 43.59% of its industry peers.
AGS has a Debt/Equity ratio of 0.65. This is a neutral value indicating AGS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.65, AGS is in line with its industry, outperforming 43.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.12%
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 nice 8.02% over the past year.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
The Revenue has been growing slightly by 7.60% in the past year.
AGS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.73% yearly.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
3.2 Future
Based on estimates for the next years, AGS will show a small growth in Earnings Per Share. The EPS will grow by 4.66% on average per year.
The Revenue is expected to grow by 9.88% on average over the next years. This is quite good.
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.66%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.88%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.18, the valuation of AGS can be described as very reasonable.
Based on the Price/Earnings ratio, AGS is valued cheaply inside the industry as 89.74% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.06. AGS is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.55, which indicates a rather cheap valuation of AGS.
Based on the Price/Forward Earnings ratio, AGS is valued cheaper than 89.74% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, AGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.18 | ||
| Fwd PE | 7.55 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGS is valued a bit cheaper than 74.36% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AGS is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.92 | ||
| EV/EBITDA | 7.9 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.72
PEG (5Y)2.5
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
AGS has a Yearly Dividend Yield of 4.25%, which is a nice return.
AGS's Dividend Yield is comparable with the industry average which is at 4.62.
Compared to an average S&P500 Dividend Yield of 2.36, AGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
5.2 History
On average, the dividend of AGS grows each year by 8.13%, which is quite nice.
Dividend Growth(5Y)8.13%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
AGS pays out 54.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
AGS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EBR:AGS (11/10/2025, 5:29:52 PM)
57.375
+0.48 (+0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.79%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.41B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target61.35 (6.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP54.29%
Div Incr Years1
Div Non Decr Years1
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)0%
PT rev (3m)8.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.18 | ||
| Fwd PE | 7.55 | ||
| P/S | 1.26 | ||
| P/FCF | 7.92 | ||
| P/OCF | 6.25 | ||
| P/B | 1.41 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | 7.9 |
EPS(TTM)6.25
EY10.89%
EPS(NY)7.6
Fwd EY13.25%
FCF(TTM)7.25
FCFY12.63%
OCF(TTM)9.18
OCFY16.01%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.72
PEG (5Y)2.5
Graham Number75.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.58% | ||
| PM (TTM) | 12.74% | ||
| GM | N/A | ||
| FCFM | 15.93% |
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
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)1.34%
ROCE(5y)1.29%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Debt/EBITDA | 3.19 | ||
| Cap/Depr | 117.74% | ||
| Cap/Sales | 4.25% | ||
| Interest Coverage | 4.77 | ||
| Cash Conversion | 110.93% | ||
| Profit Quality | 125.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.12%
ROIC/WACCN/A
Cap/Depr(3y)80.34%
Cap/Depr(5y)60.12%
Cap/Sales(3y)3.25%
Cap/Sales(5y)2.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.66%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.88%
EBIT growth 1Y0.46%
EBIT growth 3Y5.77%
EBIT growth 5Y5.52%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y288.68%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y222.22%
OCF growth 3YN/A
OCF growth 5Y17.48%
AGEAS / AGS.BR FAQ
What is the fundamental rating for AGS stock?
ChartMill assigns a fundamental rating of 4 / 10 to AGS.BR.
What is the valuation status for AGS stock?
ChartMill assigns a valuation rating of 6 / 10 to AGEAS (AGS.BR). This can be considered as Fairly Valued.
Can you provide the profitability details for AGEAS?
AGEAS (AGS.BR) has a profitability rating of 4 / 10.
What is the valuation of AGEAS based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AGEAS (AGS.BR) is 9.18 and the Price/Book (PB) ratio is 1.41.
How sustainable is the dividend of AGEAS (AGS.BR) stock?
The dividend rating of AGEAS (AGS.BR) is 6 / 10 and the dividend payout ratio is 54.29%.