ATHS Fundamental Analysis - ATHENE HOLDING LTD - ATH 7 1/4 03/30/64

Fundamental Rating

Taking everything into account, ATHS scores 3 out of 10 in our fundamental rating. ATHS was compared to 146 industry peers in the Insurance industry. While ATHS is still in line with the averages on profitability rating, there are concerns on its financial health. ATHS has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year ATHS was profitable.

ATHS had a positive operating cash flow in the past year.

ATHS had positive earnings in 4 of the past 5 years.

ATHS had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.67%, ATHS is doing worse than 62.33% of the companies in the same industry.

Looking at the Return On Equity, with a value of 14.57%, ATHS is in the better half of the industry, outperforming 71.92% of the companies in the same industry.

ATHS's Return On Invested Capital of 1.31% is in line compared to the rest of the industry. ATHS outperforms 43.84% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.67%
ROE	14.57%
ROIC	1.31%

ROA(3y)0.38%

ROA(5y)0.69%

ROE(3y)3.28%

ROE(5y)7.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of ATHS (13.20%) is better than 76.71% of its industry peers.

ATHS's Profit Margin has improved in the last couple of years.

Looking at the Operating Margin, with a value of 29.20%, ATHS belongs to the top of the industry, outperforming 95.21% of the companies in the same industry.

ATHS's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	29.2%
PM (TTM)	13.2%
GM	N/A

OM growth 3Y25.06%

OM growth 5YN/A

PM growth 3Y3.31%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ATHS is destroying value.

The number of shares outstanding for ATHS remains at a similar level compared to 1 year ago.

Compared to 1 year ago, ATHS has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ATHS is 2.98, which is a good value as it means it would take ATHS, 2.98 years of fcf income to pay off all of its debts.

ATHS has a Debt to FCF ratio (2.98) which is comparable to the rest of the industry.

A Debt/Equity ratio of 0.34 indicates that ATHS is not too dependend on debt financing.

ATHS has a Debt to Equity ratio (0.34) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	2.98
Altman-Z	N/A

ROIC/WACC0.15

WACC8.97%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

ATHS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -48.00%.

Measured over the past years, ATHS shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.90% on average per year.

The Revenue for ATHS has decreased by -35.63% in the past year. This is quite bad

ATHS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.17% yearly.

EPS 1Y (TTM)-48%

EPS 3Y-4.9%

EPS 5YN/A

EPS Q2Q%-63.38%

Revenue 1Y (TTM)-35.63%

Revenue growth 3Y-7.17%

Revenue growth 5YN/A

Sales Q2Q%-27.17%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 2.07, the valuation of ATHS can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of ATHS indicates a rather cheap valuation: ATHS is cheaper than 91.10% of the companies listed in the same industry.

ATHS is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	2.07
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ATHS is valued cheaply inside the industry as 98.63% of the companies are valued more expensively.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ATHS indicates a rather cheap valuation: ATHS is cheaper than 89.73% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.5
EV/EBITDA	0.05

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.05%, ATHS is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.44, ATHS pays a better dividend. On top of this ATHS pays more dividend than 93.15% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, ATHS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.05%

5.2 History

ATHS does not have a reliable dividend history as it only pays dividend since a couple or years.

Dividend Growth(5Y)N/A

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

ATHS pays out 26.60% of its income as dividend. This is a sustainable payout ratio.

DP26.6%

EPS Next 2YN/A

EPS Next 3YN/A

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ATHENE HOLDING LTD - ATH 7 1/4 03/30/64

NYSE:ATHS (9/23/2025, 4:10:03 PM)

25.98

+0.21 (+0.81%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)11-03 2025-11-03

Inst Owners7.78%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.29B

Analysts70

Price TargetN/A

Short Float %0.01%

Short Ratio0.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.05%

Yearly Dividend3.33

Dividend Growth(5Y)N/A

DP26.6%

Div Incr Years1

Div Non Decr Years1

Ex-Date09-15 2025-09-15 (0.4531)

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	2.07
Fwd PE	N/A
P/S	0.27
P/FCF	2.5
P/OCF	2.5
P/B	0.3
P/tB	0.39
EV/EBITDA	0.05

EPS(TTM)12.53

EY48.23%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)10.39

FCFY39.98%

OCF(TTM)10.39

OCFY39.98%

SpS94.88

BVpS85.96

TBVpS66

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.67%
ROE	14.57%
ROCE	1.51%
ROIC	1.31%
ROICexc	1.35%
ROICexgc	1.49%
OM	29.2%
PM (TTM)	13.2%
GM	N/A
FCFM	10.95%

ROA(3y)0.38%

ROA(5y)0.69%

ROE(3y)3.28%

ROE(5y)7.21%

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 3Y2.06%

ROICexcg growth 5YN/A

ROICexc growth 3Y0.36%

ROICexc growth 5YN/A

OM growth 3Y25.06%

OM growth 5YN/A

PM growth 3Y3.31%

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	2.98
Debt/EBITDA	0.91
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	250
Cash Conversion	31.85%
Profit Quality	82.92%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC8.97%

ROIC/WACC0.15

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-48%

EPS 3Y-4.9%

EPS 5YN/A

EPS Q2Q%-63.38%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-35.63%

Revenue growth 3Y-7.17%

Revenue growth 5YN/A

Sales Q2Q%-27.17%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y3.22%

EBIT growth 3Y16.1%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-62.35%

FCF growth 3Y-43.3%

FCF growth 5YN/A

OCF growth 1Y-62.35%

OCF growth 3Y-43.3%

OCF growth 5YN/A

ATHENE HOLDING LTD - ATH 7 1/4 03/30/64 (ATHS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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