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ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis

AMS:ASRNL - Euronext Amsterdam - NL0011872643 - Common Stock - Currency: EUR

57.76  +0.5 (+0.87%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 39 industry peers in the Insurance industry. ASRNL has a bad profitability rating. Also its financial health evaluation is rather negative. ASRNL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ASRNL was profitable.
ASRNL had a negative operating cash flow in the past year.
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.
ASRNL.AS Yearly Net Income VS EBIT VS OCF VS FCFASRNL.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

ASRNL has a Return On Assets of 0.64%. This is in the lower half of the industry: ASRNL underperforms 71.79% of its industry peers.
ASRNL has a Return On Equity of 9.01%. This is in the lower half of the industry: ASRNL underperforms 71.79% of its industry peers.
ASRNL has a Return On Invested Capital of 3.00%. This is amongst the best in the industry. ASRNL outperforms 84.62% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 9.01%
ROIC 3%
ROA(3y)-0.5%
ROA(5y)0.09%
ROE(3y)-2.82%
ROE(5y)2.67%
ROIC(3y)N/A
ROIC(5y)N/A
ASRNL.AS Yearly ROA, ROE, ROICASRNL.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

ASRNL's Profit Margin of 5.79% is on the low side compared to the rest of the industry. ASRNL is outperformed by 66.67% of its industry peers.
In the last couple of years the Profit Margin of ASRNL has declined.
With an excellent Operating Margin value of 35.94%, ASRNL belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
In the last couple of years the Operating Margin of ASRNL has remained more or less at the same level.
Industry RankSector Rank
OM 35.94%
PM (TTM) 5.79%
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
ASRNL.AS Yearly Profit, Operating, Gross MarginsASRNL.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASRNL is destroying value.
Compared to 1 year ago, ASRNL has less shares outstanding
Compared to 5 years ago, ASRNL has more shares outstanding
ASRNL has a better debt/assets ratio than last year.
ASRNL.AS Yearly Shares OutstandingASRNL.AS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
ASRNL.AS Yearly Total Debt VS Total AssetsASRNL.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

A Debt/Equity ratio of 1.09 is on the high side and indicates that ASRNL has dependencies on debt financing.
With a Debt to Equity ratio value of 1.09, ASRNL is not doing good in the industry: 79.49% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.19
WACC15.65%
ASRNL.AS Yearly LT Debt VS Equity VS FCFASRNL.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASRNL.AS Yearly Current Assets VS Current LiabilitesASRNL.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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4

3. Growth

3.1 Past

ASRNL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.60%.
The Earnings Per Share has been decreasing by -8.32% on average over the past years.
The Revenue has grown by 31.67% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 7.88% on average over the past years.
EPS 1Y (TTM)-31.6%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%28.86%
Revenue 1Y (TTM)31.67%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%7.19%

3.2 Future

The Earnings Per Share is expected to grow by 9.14% on average over the next years. This is quite good.
ASRNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.00% yearly.
EPS Next Y33.96%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
EPS Next 5Y9.14%
Revenue Next Year4.63%
Revenue Next 2Y4.52%
Revenue Next 3Y7%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
ASRNL.AS Yearly Revenue VS EstimatesASRNL.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
ASRNL.AS Yearly EPS VS EstimatesASRNL.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 16.89, the valuation of ASRNL can be described as correct.
Based on the Price/Earnings ratio, ASRNL is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of ASRNL to the average of the S&P500 Index (27.50), we can say ASRNL is valued slightly cheaper.
ASRNL is valuated reasonably with a Price/Forward Earnings ratio of 11.02.
ASRNL's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.44. ASRNL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.89
Fwd PE 11.02
ASRNL.AS Price Earnings VS Forward Price EarningsASRNL.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

ASRNL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ASRNL is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 2.33
ASRNL.AS Per share dataASRNL.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60

4.3 Compensation for Growth

ASRNL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ASRNL's earnings are expected to grow with 17.50% in the coming years.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y18.93%
EPS Next 3Y17.51%

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6

5. Dividend

5.1 Amount

ASRNL has a Yearly Dividend Yield of 5.45%, which is a nice return.
Compared to an average industry Dividend Yield of 4.52, ASRNL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, ASRNL pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.45%

5.2 History

The dividend of ASRNL is nicely growing with an annual growth rate of 18.44%!
Dividend Growth(5Y)18.44%
Div Incr Years3
Div Non Decr Years3
ASRNL.AS Yearly Dividends per shareASRNL.AS Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

ASRNL pays out 71.32% of its income as dividend. This is not a sustainable payout ratio.
ASRNL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP71.32%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
ASRNL.AS Yearly Income VS Free CF VS DividendASRNL.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
ASRNL.AS Dividend Payout.ASRNL.AS Dividend Payout, showing the Payout Ratio.ASRNL.AS Dividend Payout.PayoutRetained Earnings

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ASR NEDERLAND NV

AMS:ASRNL (7/18/2025, 7:00:00 PM)

57.76

+0.5 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)08-20 2025-08-20
Inst Owners74.45%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.21B
Analysts80
Price Target60.58 (4.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.45%
Yearly Dividend2.99
Dividend Growth(5Y)18.44%
DP71.32%
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)0.06%
PT rev (3m)4.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.15%
Valuation
Industry RankSector Rank
PE 16.89
Fwd PE 11.02
P/S 0.8
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB 1.33
EV/EBITDA 2.33
EPS(TTM)3.42
EY5.92%
EPS(NY)5.24
Fwd EY9.07%
FCF(TTM)-3.45
FCFYN/A
OCF(TTM)-3.31
OCFYN/A
SpS72.13
BVpS46.31
TBVpS43.51
PEG (NY)0.5
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 9.01%
ROCE 4.12%
ROIC 3%
ROICexc 3.1%
ROICexgc 3.52%
OM 35.94%
PM (TTM) 5.79%
GM N/A
FCFM N/A
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-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Debt/EBITDA 1.91
Cap/Depr 26.55%
Cap/Sales 0.2%
Interest Coverage 1.53
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC15.65%
ROIC/WACC0.19
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)-31.6%
EPS 3Y-12.51%
EPS 5Y-8.32%
EPS Q2Q%28.86%
EPS Next Y33.96%
EPS Next 2Y18.93%
EPS Next 3Y17.51%
EPS Next 5Y9.14%
Revenue 1Y (TTM)31.67%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%7.19%
Revenue Next Year4.63%
Revenue Next 2Y4.52%
Revenue Next 3Y7%
Revenue Next 5YN/A
EBIT growth 1Y84.63%
EBIT growth 3Y10.47%
EBIT growth 5Y7.74%
EBIT Next Year113.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-120.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-119.43%
OCF growth 3YN/A
OCF growth 5YN/A