ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ASRNL - NL0011872643 - Common Stock
58.16 EUR
-0.24 (-0.41%)
We assign a fundamental rating of 3 out of 10 to ASRNL. ASRNL was compared to 48 industry peers in the Insurance industry. Both the profitability and financial health of ASRNL have multiple concerns. ASRNL has a correct valuation and a medium growth rate. Finally ASRNL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ASRNL had positive earnings in the past year.
ASRNL had a positive operating cash flow in the past year.
Of the past 5 years ASRNL 4 years were profitable.
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
ASRNL has a Return On Assets of 0.76%. This is in the lower half of the industry: ASRNL underperforms 62.50% of its industry peers.
ASRNL has a worse Return On Equity (10.90%) than 77.08% of its industry peers.
With an excellent Return On Invested Capital value of 3.59%, ASRNL belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
| 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
ASRNL's Profit Margin of 6.52% is on the low side compared to the rest of the industry. ASRNL is outperformed by 70.83% of its industry peers.
In the last couple of years the Profit Margin of ASRNL has declined.
Looking at the Operating Margin, with a value of 40.37%, ASRNL belongs to the top of the industry, outperforming 97.92% 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 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.
The number of shares outstanding for ASRNL has been reduced compared to 1 year ago.
Compared to 5 years ago, ASRNL has more shares outstanding
ASRNL has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ASRNL is 179.66, which is on the high side as it means it would take ASRNL, 179.66 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 179.66, ASRNL is doing worse than 81.25% of the companies in the same industry.
A Debt/Equity ratio of 0.97 indicates that ASRNL is somewhat dependend on debt financing.
ASRNL's Debt to Equity ratio of 0.97 is on the low side compared to the rest of the industry. ASRNL is outperformed by 70.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.5%
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.
ASRNL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.32% yearly.
The Revenue has grown by 12.18% in the past year. This is quite good.
ASRNL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.88% yearly.
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
ASRNL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.94% yearly.
ASRNL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.90% yearly.
EPS Next Y18.12%
EPS Next 2Y23.14%
EPS Next 3Y17.24%
EPS Next 5Y10.94%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
Revenue Next 3Y1.9%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.46, the valuation of ASRNL can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of ASRNL is on the same level as its industry peers.
ASRNL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.31.
Based on the Price/Forward Earnings ratio of 9.80, the valuation of ASRNL can be described as reasonable.
72.92% of the companies in the same industry are more expensive than ASRNL, based on the Price/Forward Earnings ratio.
ASRNL is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.56, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ASRNL indicates a rather cheap valuation: ASRNL is cheaper than 95.83% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ASRNL is valued more expensive than 81.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 229.47 | ||
| EV/EBITDA | 2.05 |
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.
ASRNL's earnings are expected to grow with 17.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y23.14%
EPS Next 3Y17.24%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.53%, which is a nice return.
ASRNL's Dividend Yield is rather good when compared to the industry average which is at 4.47. ASRNL pays more dividend than 81.25% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, ASRNL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.53% |
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
5.3 Sustainability
60.74% of the earnings are spent on dividend by ASRNL. This is not a sustainable payout ratio.
The dividend of ASRNL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.74%
EPS Next 2Y23.14%
EPS Next 3Y17.24%
AMS:ASRNL (11/28/2025, 7:00:00 PM)
58.16
-0.24 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners75.64%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap12.16B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts78.1
Price Target64.84 (11.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.53% |
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)2.14%
PT rev (3m)5.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.04%
EPS NY rev (3m)-13.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-16.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.46 | ||
| Fwd PE | 9.8 | ||
| P/S | 0.74 | ||
| P/FCF | 229.47 | ||
| P/OCF | 164.35 | ||
| P/B | 1.23 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 2.05 |
EPS(TTM)4.32
EY7.43%
EPS(NY)5.93
Fwd EY10.2%
FCF(TTM)0.25
FCFY0.44%
OCF(TTM)0.35
OCFY0.61%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.74
PEG (5Y)N/A
Graham Number67.71
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
ROICexgc growth 3Y-10.55%
ROICexgc 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
WACC15.5%
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 Y18.12%
EPS Next 2Y23.14%
EPS Next 3Y17.24%
EPS Next 5Y10.94%
Revenue 1Y (TTM)12.18%
Revenue growth 3Y6.3%
Revenue growth 5Y7.88%
Sales Q2Q%17.62%
Revenue Next Year-22.19%
Revenue Next 2Y-10.51%
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
ASR NEDERLAND NV / ASRNL.AS FAQ
What is the ChartMill fundamental rating of ASR NEDERLAND NV (ASRNL.AS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ASRNL.AS.
What is the valuation status of ASR NEDERLAND NV (ASRNL.AS) stock?
ChartMill assigns a valuation rating of 5 / 10 to ASR NEDERLAND NV (ASRNL.AS). This can be considered as Fairly Valued.
Can you provide the profitability details for ASR NEDERLAND NV?
ASR NEDERLAND NV (ASRNL.AS) has a profitability rating of 3 / 10.
What is the valuation of ASR NEDERLAND NV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ASR NEDERLAND NV (ASRNL.AS) is 13.46 and the Price/Book (PB) ratio is 1.23.
Can you provide the expected EPS growth for ASRNL stock?
The Earnings per Share (EPS) of ASR NEDERLAND NV (ASRNL.AS) is expected to grow by 18.12% in the next year.