AGEAS (AGS.BR) Stock Fundamental Analysis
Europe • Euronext Brussels • EBR:AGS • BE0974264930
59.95 EUR
+0.35 (+0.59%)
Last: Jan 30, 2026, 07:00 PM
AGS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year AGS was profitable.
- AGS had a positive 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's Return On Assets of 1.16% is on the low side compared to the rest of the industry. AGS is outperformed by 60.42% of its industry peers.
- With a Return On Equity value of 14.28%, AGS perfoms like the industry average, outperforming 47.92% of the companies in the same 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
- AGS's Profit Margin of 12.74% is fine compared to the rest of the industry. AGS outperforms 77.08% of its industry peers.
- AGS's Profit Margin has improved in the last couple of years.
- AGS has a Operating Margin of 14.58%. This is in the better half of the industry: AGS outperforms 64.58% 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.
- AGS has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, AGS has less shares outstanding
- Compared to 1 year ago, AGS has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of AGS is 3.64, which is a good value as it means it would take AGS, 3.64 years of fcf income to pay off all of its debts.
- AGS has a worse Debt to FCF ratio (3.64) than 62.50% 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.
- AGS has a Debt to Equity ratio (0.65) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- AGS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.02%, which is quite good.
- AGS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.68% yearly.
- Looking at the last year, AGS shows a small growth in Revenue. The Revenue has grown by 7.60% in the last 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 4.42% on average per year.
- Based on estimates for the next years, AGS will show a quite strong growth in Revenue. The Revenue will grow by 9.57% on average per year.
EPS Next Y5.79%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
EPS Next 5Y4.42%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.57%
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
- The Price/Earnings ratio is 9.59, which indicates a very decent valuation of AGS.
- 83.33% of the companies in the same industry are more expensive than AGS, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, AGS is valued rather cheaply.
- With a Price/Forward Earnings ratio of 7.74, the valuation of AGS can be described as very cheap.
- Based on the Price/Forward Earnings ratio, AGS is valued cheaper than 87.50% of the companies in the same industry.
- AGS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.59 | ||
| Fwd PE | 7.74 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AGS is valued a bit cheaper than 77.08% of the companies in the same industry.
- AGS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.27 | ||
| EV/EBITDA | 8.26 |
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)1.66
PEG (5Y)2.61
EPS Next 2Y6.87%
EPS Next 3Y7.94%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.11%, AGS is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.11, AGS has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, AGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
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 2Y6.87%
EPS Next 3Y7.94%
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 of AGEAS (AGS.BR) stock?
ChartMill assigns a valuation rating of 6 / 10 to AGEAS (AGS.BR). This can be considered as Fairly Valued.
How profitable is AGEAS (AGS.BR) stock?
AGEAS (AGS.BR) has a profitability rating of 4 / 10.
What are the PE and PB ratios of AGEAS (AGS.BR) stock?
The Price/Earnings (PE) ratio for AGEAS (AGS.BR) is 9.59 and the Price/Book (PB) ratio is 1.48.
How financially healthy is AGEAS?
The financial health rating of AGEAS (AGS.BR) is 2 / 10.