AGEAS (AGS.BR)

BE0974264930 - Common Stock

42.92  -0.04 (-0.09%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to AGS. AGS was compared to 37 industry peers in the Insurance industry. AGS has a medium profitability rating, but doesn't score so well on its financial health evaluation. AGS is not valued too expensively and it also shows a decent growth rate. Finally AGS also has an excellent dividend rating.



4

1. Profitability

1.1 Basic Checks

AGS had positive earnings in the past year.
AGS had a negative operating cash flow in the past year.
Each year in the past 5 years AGS has been profitable.
The reported operating cash flow has been mixed in the past 5 years: AGS reported negative operating cash flow in multiple years.

1.2 Ratios

AGS has a Return On Assets of 0.99%. This is comparable to the rest of the industry: AGS outperforms 50.00% of its industry peers.
The Return On Equity of AGS (13.55%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.99%
ROE 13.55%
ROIC N/A
ROA(3y)0.93%
ROA(5y)0.9%
ROE(3y)10.1%
ROE(5y)9.52%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 9.73%, AGS is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
In the last couple of years the Profit Margin of AGS has grown nicely.
Looking at the Operating Margin, with a value of 16.09%, AGS is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
AGS's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.09%
PM (TTM) 9.73%
GM N/A
OM growth 3Y28.36%
OM growth 5Y19.11%
PM growth 3Y15.32%
PM growth 5Y15.82%
GM growth 3YN/A
GM growth 5YN/A

2

2. Health

2.1 Basic Checks

AGS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AGS has less shares outstanding
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

A Debt/Equity ratio of 0.63 indicates that AGS is somewhat dependend on debt financing.
The Debt to Equity ratio of AGS (0.63) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.69%

2.3 Liquidity

AGS has a Current Ratio of 0.89. This is a bad value and indicates that AGS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.89, AGS is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
A Quick Ratio of 0.89 indicates that AGS may have some problems paying its short term obligations.
AGS's Quick ratio of 0.89 is fine compared to the rest of the industry. AGS outperforms 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.89
Quick Ratio 0.89

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.51% over the past year.
Measured over the past years, AGS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.24% on average per year.
The Revenue has decreased by -2.41% in the past year.
AGS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.89% yearly.
EPS 1Y (TTM)21.51%
EPS 3Y2.63%
EPS 5Y12.24%
EPS growth Q2Q-5.14%
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y-12.36%
Revenue growth 5Y-4.89%
Revenue growth Q2Q11.4%

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 7.30% on average per year.
AGS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y16.71%
EPS Next 2Y11.17%
EPS Next 3Y9.67%
EPS Next 5Y7.3%
Revenue Next Year51.2%
Revenue Next 2Y5.6%
Revenue Next 3Y5.04%
Revenue Next 5Y4.24%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.83 indicates a rather cheap valuation of AGS.
Compared to the rest of the industry, the Price/Earnings ratio of AGS indicates a somewhat cheap valuation: AGS is cheaper than 75.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of AGS to the average of the S&P500 Index (26.48), we can say AGS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.34, the valuation of AGS can be described as very cheap.
Based on the Price/Forward Earnings ratio, AGS is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
AGS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.83
Fwd PE 6.34

4.2 Price Multiples

AGS's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AGS is cheaper than 94.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.46

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.
PEG (NY)0.47
PEG (5Y)0.64
EPS Next 2Y11.17%
EPS Next 3Y9.67%

7

5. Dividend

5.1 Amount

AGS has a Yearly Dividend Yield of 5.58%, which is a nice return.
AGS's Dividend Yield is a higher than the industry average which is at 5.23.
AGS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 5.58%

5.2 History

On average, the dividend of AGS grows each year by 14.83%, which is quite nice.
Dividend Growth(5Y)14.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

55.16% 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.
DP55.16%
EPS Next 2Y11.17%
EPS Next 3Y9.67%

AGEAS

EBR:AGS (3/28/2024, 5:35:15 PM)

42.92

-0.04 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap7.88B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 5.58%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.83
Fwd PE 6.34
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.47
PEG (5Y)0.64
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 13.55%
ROCE
ROIC
ROICexc
ROICexgc
OM 16.09%
PM (TTM) 9.73%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 0.89
Quick Ratio 0.89
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)21.51%
EPS 3Y2.63%
EPS 5Y
EPS growth Q2Q
EPS Next Y16.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.41%
Revenue growth 3Y-12.36%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y