AGEAS (AGS.BR) Stock Fundamental Analysis
Europe - EBR:AGS - BE0974264930 - Common Stock
58 EUR
-0.4 (-0.68%)
Taking everything into account, AGS scores 4 out of 10 in our fundamental rating. AGS was compared to 40 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.
1. Profitability
1.1 Basic Checks
AGS had positive earnings in the past year.
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 in line compared to the rest of the industry. AGS outperforms 47.50% of its industry peers.
Looking at the Return On Equity, with a value of 14.28%, AGS is in line with its industry, outperforming 52.50% 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 has a better Profit Margin (12.73%) than 80.00% of its industry peers.
AGS's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 14.60%, AGS is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
AGS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.6% | ||
| PM (TTM) | 12.73% | ||
| 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.
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
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 Debt to FCF ratio of 3.64. This is comparable to the rest of the industry: AGS outperforms 50.00% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that AGS is somewhat dependend on debt financing.
AGS's Debt to Equity ratio of 0.65 is in line compared to the rest of the industry. AGS outperforms 47.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.11%
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.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
Looking at the last year, AGS shows a small growth in Revenue. The Revenue has grown by 7.62% in the last year.
AGS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.69% yearly.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%
3.2 Future
The Earnings Per Share is expected to grow by 4.32% on average over the next years.
Based on estimates for the next years, AGS will show a quite strong growth in Revenue. The Revenue will grow by 9.56% on average per year.
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.32%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%
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.
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
A Price/Earnings ratio of 9.28 indicates a reasonable 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 97.50% of the companies listed in the same industry.
AGS is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.63, which indicates a rather cheap valuation of AGS.
87.50% of the companies in the same industry are more expensive than AGS, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AGS to the average of the S&P500 Index (23.32), we can say AGS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AGS is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, AGS is valued a bit cheaper than the industry average as 67.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8 | ||
| EV/EBITDA | 8.07 |
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)1.74
PEG (5Y)2.53
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
AGS has a Yearly Dividend Yield of 4.20%, which is a nice return.
Compared to an average industry Dividend Yield of 4.62, AGS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, AGS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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
54.29% 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.
DP54.29%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EBR:AGS (10/3/2025, 7:00:00 PM)
58
-0.4 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.79%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.54B
Analysts76
Price Target61.35 (5.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP54.29%
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)8.29%
PT rev (3m)8.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.68%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 7.63 | ||
| P/S | 1.27 | ||
| P/FCF | 8 | ||
| P/OCF | 6.32 | ||
| P/B | 1.43 | ||
| P/tB | 1.8 | ||
| EV/EBITDA | 8.07 |
EPS(TTM)6.25
EY10.78%
EPS(NY)7.6
Fwd EY13.11%
FCF(TTM)7.25
FCFY12.5%
OCF(TTM)9.18
OCFY15.83%
SpS45.51
BVpS40.6
TBVpS32.18
PEG (NY)1.74
PEG (5Y)2.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.6% | ||
| PM (TTM) | 12.73% | ||
| GM | N/A | ||
| FCFM | 15.93% |
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 | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Debt/EBITDA | 3.18 | ||
| Cap/Depr | 117.74% | ||
| Cap/Sales | 4.25% | ||
| Interest Coverage | 4.77 | ||
| Cash Conversion | 110.79% | ||
| Profit Quality | 125.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.11%
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)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.32%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%
EBIT growth 1Y0.61%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y288.68%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y222.22%
OCF growth 3YN/A
OCF growth 5Y17.48%