ASR NEDERLAND NV (ASRNL.AS) Stock Fundamental Analysis
Europe - AMS:ASRNL - NL0011872643 - Common Stock
57.38 EUR
+0.12 (+0.21%)
Overall ASRNL gets a fundamental rating of 3 out of 10. We evaluated ASRNL against 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.
1. Profitability
1.1 Basic Checks
In the past year ASRNL was profitable.
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 (0.76%) which is comparable to the rest of the industry.
ASRNL has a Return On Equity of 10.90%. This is in the lower half of the industry: ASRNL underperforms 69.23% of its industry peers.
ASRNL's Return On Invested Capital of 3.59% is amongst the best of the industry. ASRNL outperforms 87.18% 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
Looking at the Profit Margin, with a value of 6.52%, ASRNL is doing worse than 66.67% of the companies in the same industry.
ASRNL's Profit Margin has declined in the last couple of years.
ASRNL's Operating Margin of 40.37% is amongst the best of the industry. ASRNL outperforms 97.44% of its industry peers.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ASRNL is destroying value.
Compared to 1 year ago, ASRNL has less shares outstanding
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.
ASRNL has a worse Debt to FCF ratio (179.66) than 79.49% of its industry peers.
ASRNL has a Debt/Equity ratio of 0.97. This is a neutral value indicating ASRNL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.97, ASRNL is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.97 | ||
| Debt/FCF | 179.66 | ||
| Altman-Z | N/A |
ROIC/WACC0.23
WACC15.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.75% over the past year.
The Earnings Per Share has been decreasing by -8.32% on average over the past years.
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
The Earnings Per Share is expected to grow by 10.52% on average over the next years. This is quite good.
The Revenue is expected to grow by 1.90% on average over the next years.
EPS Next Y18.07%
EPS Next 2Y22.51%
EPS Next 3Y16.85%
EPS Next 5Y10.52%
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
With a Price/Earnings ratio of 13.28, ASRNL is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of ASRNL is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ASRNL to the average of the S&P500 Index (26.91), we can say ASRNL is valued rather cheaply.
The Price/Forward Earnings ratio is 9.77, which indicates a very decent valuation of ASRNL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ASRNL indicates a somewhat cheap valuation: ASRNL is cheaper than 69.23% of the companies listed in the same industry.
ASRNL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 9.77 |
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 94.87% of the companies listed in the same industry.
ASRNL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ASRNL is more expensive than 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 226.39 | ||
| EV/EBITDA | 2.02 |
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.
A more expensive valuation may be justified as ASRNL's earnings are expected to grow with 16.85% in the coming years.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y22.51%
EPS Next 3Y16.85%
5. Dividend
5.1 Amount
ASRNL has a Yearly Dividend Yield of 5.62%, which is a nice return.
Compared to an average industry Dividend Yield of 4.55, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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
ASRNL pays out 60.74% of its income as dividend. 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 2Y22.51%
EPS Next 3Y16.85%
AMS:ASRNL (10/24/2025, 7:00:00 PM)
57.38
+0.12 (+0.21%)
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 Cap12.00B
Revenue(TTM)16.48B
Net Income(TTM)1.07B
Analysts76.19
Price Target63.48 (10.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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)0%
PT rev (3m)4.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-13.85%
EPS NY rev (3m)-11.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-25.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 9.77 | ||
| P/S | 0.73 | ||
| P/FCF | 226.39 | ||
| P/OCF | 162.14 | ||
| P/B | 1.22 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 2.02 |
EPS(TTM)4.32
EY7.53%
EPS(NY)5.87
Fwd EY10.23%
FCF(TTM)0.25
FCFY0.44%
OCF(TTM)0.35
OCFY0.62%
SpS78.82
BVpS47.16
TBVpS44.31
PEG (NY)0.73
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
WACC15.59%
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 Y18.07%
EPS Next 2Y22.51%
EPS Next 3Y16.85%
EPS Next 5Y10.52%
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 13.28 and the Price/Book (PB) ratio is 1.22.
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 18.07% in the next year.