AGEAS (AGS.BR) Stock Fundamental Analysis
EBR:AGS - Euronext Brussels - BE0974264930 - Common Stock - Currency: EUR
AGS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals 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 correct valuation and a medium growth rate.
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.
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
AGS has a Return On Assets of 1.14%. This is comparable to the rest of the industry: AGS outperforms 50.00% of its industry peers.
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
AGS has a better Profit Margin (12.55%) than 76.32% of its industry peers.
In the last couple of years the Profit Margin of AGS has grown nicely.
The Operating Margin of AGS (15.03%) is better than 78.95% 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.
The debt/assets ratio for AGS is higher compared to a year ago.
2.2 Solvency
AGS has a debt to FCF ratio of 7.40. This is a slightly negative value and a sign of low solvency as AGS would need 7.40 years to pay back of all of its debts.
With a Debt to FCF ratio value of 7.40, AGS is not doing good in the industry: 65.79% of the companies in the same industry are doing better.
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 doing worse than 63.16% 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
WACC7.03%
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
AGS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.35% yearly.
Based on estimates for the next years, AGS will show a small growth in Revenue. The Revenue will grow by 3.25% on average per year.
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.35%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.25%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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 9.39, which indicates a very decent valuation of AGS.
Based on the Price/Earnings ratio, AGS is valued cheaper than 92.11% of the companies in the same industry.
When comparing the Price/Earnings ratio of AGS to the average of the S&P500 Index (25.82), we can say AGS is valued rather cheaply.
The Price/Forward Earnings ratio is 7.92, which indicates a rather cheap valuation of AGS.
Based on the Price/Forward Earnings ratio, AGS is valued cheaper than 86.84% 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 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.39 | ||
| Fwd PE | 7.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGS is valued a bit cheaper than 73.68% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AGS is valued a bit more expensive than 63.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.72 | ||
| EV/EBITDA | 8.58 |
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)1.45
PEG (5Y)2.56
EPS Next 2Y7.75%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
AGS has a Yearly Dividend Yield of 4.34%, which is a nice return.
Compared to an average industry Dividend Yield of 4.43, AGS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, AGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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
AGS pays out 52.24% 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.
DP52.24%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EBR:AGS (5/23/2025, 7:00:00 PM)
57.2
-0.5 (-0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.34%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.38B
Analysts72.5
Price Target55.71 (-2.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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)2.65%
PT rev (3m)5.72%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.33%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.39 | ||
| Fwd PE | 7.92 | ||
| P/S | 1.28 | ||
| P/FCF | 17.72 | ||
| P/OCF | 10.89 | ||
| P/B | 1.47 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)6.09
EY10.65%
EPS(NY)7.22
Fwd EY12.62%
FCF(TTM)3.23
FCFY5.64%
OCF(TTM)5.25
OCFY9.18%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.45
PEG (5Y)2.56
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 5Y3.35%
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 5Y3.25%
EBIT growth 1Y-7.53%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-15.77%
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%