AGEAS (AGS.BR) Stock Fundamental Analysis
EBR:AGS - Euronext Brussels - BE0974264930 - Common Stock - Currency: EUR
Overall AGS gets a fundamental rating of 4 out of 10. We evaluated AGS against 38 industry peers in the Insurance industry. There are concerns on the financial health of AGS while its profitability can be described as average. AGS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year AGS was profitable.
In the past year AGS had a positive cash flow from operations.
In the past 5 years AGS has always been profitable.
In multiple years AGS reported negative operating cash flow during the last 5 years.
1.2 Ratios
AGS's Return On Assets of 1.14% is in line compared to the rest of the industry. AGS outperforms 52.63% of its industry peers.
AGS's Return On Equity of 14.42% is in line compared to the rest of the industry. AGS outperforms 57.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| 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
AGS's Profit Margin of 12.55% is fine compared to the rest of the industry. AGS outperforms 76.32% of its industry peers.
AGS's Profit Margin has improved in the last couple of years.
AGS has a Operating Margin of 15.03%. This is in the better half of the industry: AGS outperforms 76.32% of its industry peers.
AGS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A |
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
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.
AGS has less shares outstanding than it did 1 year ago.
AGS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AGS has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of AGS is 7.40, which is on the high side as it means it would take AGS, 7.40 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.40, AGS is doing worse than 60.53% of the companies in the same industry.
AGS has a Debt/Equity ratio of 0.61. This is a neutral value indicating AGS is somewhat dependend on debt financing.
AGS's Debt to Equity ratio of 0.61 is in line compared to the rest of the industry. AGS outperforms 42.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.03%
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 17.42% over the past year.
Measured over the past 5 years, AGS shows a small growth in Earnings Per Share. The EPS has been growing by 3.68% on average per year.
The Revenue has grown by 13.36% in the past year. This is quite good.
The Revenue has been decreasing by -8.69% on average over the past years.
EPS 1Y (TTM)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
3.2 Future
The Earnings Per Share is expected to grow by 3.12% on average over the next years.
Based on estimates for the next years, AGS will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.12%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.02%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.38, which indicates a very decent valuation of AGS.
Compared to the rest of the industry, the Price/Earnings ratio of AGS indicates a rather cheap valuation: AGS is cheaper than 94.74% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.35. AGS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.91, the valuation of AGS can be described as very cheap.
92.11% of the companies in the same industry are more expensive than AGS, based on the Price/Forward Earnings ratio.
AGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.38 | ||
| Fwd PE | 7.91 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGS is valued a bit cheaper than the industry average as 76.32% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AGS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.71 | ||
| EV/EBITDA | 8.4 |
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)1.45
PEG (5Y)2.55
EPS Next 2Y7.75%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.30%, AGS is a good candidate for dividend investing.
AGS's Dividend Yield is comparable with the industry average which is at 4.47.
AGS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
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
52.24% of the earnings are spent on dividend by AGS. This is a bit on the high side, but may be sustainable.
The dividend of AGS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.24%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EBR:AGS (6/20/2025, 7:00:00 PM)
57.15
+0.95 (+1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap11.37B
Analysts73.33
Price Target55.37 (-3.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP52.24%
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)-0.62%
PT rev (3m)4.06%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.38 | ||
| Fwd PE | 7.91 | ||
| P/S | 1.28 | ||
| P/FCF | 17.71 | ||
| P/OCF | 10.88 | ||
| P/B | 1.47 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | 8.4 |
EPS(TTM)6.09
EY10.66%
EPS(NY)7.22
Fwd EY12.63%
FCF(TTM)3.23
FCFY5.65%
OCF(TTM)5.25
OCFY9.19%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.45
PEG (5Y)2.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A | ||
| FCFM | 7.2% |
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)1.35%
ROCE(5y)1.3%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 130% | ||
| Cap/Sales | 4.52% | ||
| Interest Coverage | 4.55 | ||
| Cash Conversion | 63.37% | ||
| Profit Quality | 57.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.03%
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)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.12%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.02%
EBIT growth 1Y-7.53%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y658.26%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y742.74%
OCF growth 3YN/A
OCF growth 5Y17.48%