AGEAS (AGS.BR) Stock Fundamental Analysis
EBR:AGS - BE0974264930 - Common Stock
58.55 EUR
-0.15 (-0.26%)
AGS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 36 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
AGS had positive earnings in the past year.
In the past year AGS had a positive cash flow from operations.
In the past 5 years AGS has always 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
With a Return On Assets value of 1.14%, AGS perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
AGS has a Return On Equity (14.42%) which is comparable to the rest of the industry.
| 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
Looking at the Profit Margin, with a value of 12.55%, AGS belongs to the top of the industry, outperforming 80.56% of the companies in the same industry.
In the last couple of years the Profit Margin of AGS has grown nicely.
AGS has a Operating Margin of 15.03%. This is in the better half of the industry: AGS outperforms 75.00% 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.
The number of shares outstanding for AGS has been reduced compared to 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.
AGS has a Debt to FCF ratio of 7.40. This is comparable to the rest of the industry: AGS outperforms 44.44% of its industry peers.
A Debt/Equity ratio of 0.61 indicates that AGS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, AGS is in the better half of the industry, outperforming 63.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.1%
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 17.42%, which is quite good.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
AGS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.36%.
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
Based on estimates for the next years, AGS will show a small growth in Earnings Per Share. The EPS will grow by 4.46% 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 9.71% on average per year.
EPS Next Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.46%
Revenue Next Year10.24%
Revenue Next 2Y6.98%
Revenue Next 3Y6.13%
Revenue Next 5Y9.71%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.61, the valuation of AGS can be described as reasonable.
AGS's Price/Earnings ratio is rather cheap when compared to the industry. AGS is cheaper than 91.67% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.06, AGS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.06, the valuation of AGS can be described as reasonable.
88.89% of the companies in the same industry are more expensive than AGS, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, AGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
AGS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AGS is cheaper than 75.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AGS is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.14 | ||
| EV/EBITDA | 8.7 |
4.3 Compensation for Growth
AGS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)2.62
EPS Next 2Y7.21%
EPS Next 3Y7.09%
5. Dividend
5.1 Amount
AGS has a Yearly Dividend Yield of 4.04%, which is a nice return.
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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
5.2 History
The dividend of AGS is nicely growing with an annual growth rate of 8.13%!
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.
AGS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.24%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EBR:AGS (9/5/2025, 7:00:00 PM)
58.55
-0.15 (-0.26%)
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 Cap11.65B
Analysts76
Price Target56.76 (-3.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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)0.3%
PT rev (3m)1.88%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.62%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 8.06 | ||
| P/S | 1.31 | ||
| P/FCF | 18.14 | ||
| P/OCF | 11.15 | ||
| P/B | 1.5 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 8.7 |
EPS(TTM)6.09
EY10.4%
EPS(NY)7.27
Fwd EY12.41%
FCF(TTM)3.23
FCFY5.51%
OCF(TTM)5.25
OCFY8.97%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.35
PEG (5Y)2.62
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
WACC7.1%
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 Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.46%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
Revenue Next Year10.24%
Revenue Next 2Y6.98%
Revenue Next 3Y6.13%
Revenue Next 5Y9.71%
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%