ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
AMS:ASRNL - NL0011872643 - Common Stock
57.74 EUR
-1.46 (-2.47%)
Overall ASRNL gets a fundamental rating of 3 out of 10. We evaluated ASRNL against 36 industry peers in the Insurance industry. ASRNL may be in some trouble as it scores bad on both profitability and health. ASRNL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
ASRNL had positive earnings in the past year.
In the past year ASRNL had a positive cash flow from operations.
ASRNL had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: ASRNL reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of ASRNL (0.76%) is worse than 63.89% of its industry peers.
Looking at the Return On Equity, with a value of 10.90%, ASRNL is doing worse than 69.44% of the companies in the same industry.
The Return On Invested Capital of ASRNL (3.59%) is better than 86.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROIC | 3.59% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 6.52%, ASRNL is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
ASRNL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 40.37%, ASRNL belongs to the top of the industry, outperforming 97.22% of the companies in the same industry.
ASRNL's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A |
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASRNL is destroying value.
ASRNL has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ASRNL has been increased compared to 5 years ago.
The debt/assets ratio for ASRNL has been reduced compared to a year ago.
2.2 Solvency
ASRNL has a debt to FCF ratio of 179.66. This is a negative value and a sign of low solvency as ASRNL would need 179.66 years to pay back of all of its debts.
The Debt to FCF ratio of ASRNL (179.66) is worse than 86.11% of its industry peers.
A Debt/Equity ratio of 0.97 indicates that ASRNL is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.97, ASRNL is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ASRNL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.75%, which is quite impressive.
Measured over the past years, ASRNL shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.32% on average per year.
Looking at the last year, ASRNL shows a quite strong growth in Revenue. The Revenue has grown by 12.18% in the last year.
The Revenue has been growing slightly by 7.88% on average over the past years.
EPS 1Y (TTM)68.75%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
3.2 Future
Based on estimates for the next years, ASRNL will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.82% on average per year.
ASRNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
EPS Next Y37.05%
EPS Next 2Y20.6%
EPS Next 3Y15.6%
EPS Next 5Y9.82%
Revenue Next Year-6.72%
Revenue Next 2Y-1.58%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.37, ASRNL is valued correctly.
Based on the Price/Earnings ratio, ASRNL is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
ASRNL is valuated cheaply when we compare the Price/Earnings ratio to 26.90, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.15, which indicates a very decent valuation of ASRNL.
ASRNL's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, ASRNL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 10.15 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ASRNL is valued cheaply inside the industry as 97.22% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ASRNL indicates a rather expensive valuation: ASRNL more expensive than 80.56% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 227.81 | ||
| EV/EBITDA | 2.08 |
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.
ASRNL's earnings are expected to grow with 15.60% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y20.6%
EPS Next 3Y15.6%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.41%, which is a nice return.
Compared to an average industry Dividend Yield of 4.47, ASRNL pays a bit more dividend than its industry peers.
ASRNL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
5.2 History
On average, the dividend of ASRNL grows each year by 18.44%, which is quite nice.
Dividend Growth(5Y)18.44%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
60.74% of the earnings are spent on dividend by ASRNL. This is not a sustainable payout ratio.
ASRNL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y20.6%
EPS Next 3Y15.6%
AMS:ASRNL (9/2/2025, 7:00:00 PM)
57.74
-1.46 (-2.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners74.45%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.07B
Analysts79.05
Price Target61.46 (6.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
Yearly Dividend2.99
Dividend Growth(5Y)18.44%
DP60.74%
Div Incr Years3
Div Non Decr Years3
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)1.46%
PT rev (3m)6.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.3%
EPS NY rev (3m)2.3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)-10.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 10.15 | ||
| P/S | 0.73 | ||
| P/FCF | 227.81 | ||
| P/OCF | 163.16 | ||
| P/B | 1.22 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 2.08 |
EPS(TTM)4.32
EY7.48%
EPS(NY)5.69
Fwd EY9.86%
FCF(TTM)0.25
FCFY0.44%
OCF(TTM)0.35
OCFY0.61%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.36
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 10.9% | ||
| ROCE | 4.87% | ||
| ROIC | 3.59% | ||
| ROICexc | 3.68% | ||
| ROICexgc | 4.28% | ||
| OM | 40.37% | ||
| PM (TTM) | 6.52% | ||
| GM | N/A | ||
| FCFM | 0.32% |
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
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)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-10.55%
ROICexcg growth 5Y-6.2%
ROICexc growth 3Y-10.91%
ROICexc growth 5Y-6.29%
OM growth 3Y3.92%
OM growth 5Y-0.14%
PM growth 3Y-6.35%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Debt/EBITDA | 1.41 | ||
| Cap/Depr | 18.58% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 1.85 | ||
| Cash Conversion | 1.09% | ||
| Profit Quality | 4.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.52%
ROIC/WACC0.23
Cap/Depr(3y)150.16%
Cap/Depr(5y)245.19%
Cap/Sales(3y)1.79%
Cap/Sales(5y)1.92%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.75%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%214.29%
EPS Next Y37.05%
EPS Next 2Y20.6%
EPS Next 3Y15.6%
EPS Next 5Y9.82%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
Revenue Next Year-6.72%
Revenue Next 2Y-1.58%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
EBIT growth 1Y45.64%
EBIT growth 3Y10.47%
EBIT growth 5Y7.74%
EBIT Next Year113.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-57.47%
OCF growth 3YN/A
OCF growth 5YN/A