AGEAS (FO4N.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:FO4N - BE0974264930 - Common Stock
59.9 EUR
+0.6 (+1.01%)
We assign a fundamental rating of 4 out of 10 to FO4N. FO4N was compared to 45 industry peers in the Insurance industry. While FO4N is still in line with the averages on profitability rating, there are concerns on its financial health. FO4N may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
FO4N had positive earnings in the past year.
FO4N had a positive operating cash flow in the past year.
Each year in the past 5 years FO4N has been profitable.
The reported operating cash flow has been mixed in the past 5 years: FO4N reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.16%, FO4N is doing worse than 60.00% of the companies in the same industry.
FO4N's Return On Equity of 14.28% is in line compared to the rest of the industry. FO4N outperforms 46.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROIC | N/A |
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FO4N's Profit Margin of 12.74% is fine compared to the rest of the industry. FO4N outperforms 77.78% of its industry peers.
FO4N's Profit Margin has improved in the last couple of years.
The Operating Margin of FO4N (14.58%) is better than 64.44% of its industry peers.
In the last couple of years the Operating Margin of FO4N has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.58% | ||
| PM (TTM) | 12.74% | ||
| GM | N/A |
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FO4N does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FO4N has less shares outstanding
Compared to 5 years ago, FO4N has less shares outstanding
FO4N has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FO4N is 3.64, which is a good value as it means it would take FO4N, 3.64 years of fcf income to pay off all of its debts.
FO4N has a Debt to FCF ratio (3.64) which is in line with its industry peers.
A Debt/Equity ratio of 0.65 indicates that FO4N is somewhat dependend on debt financing.
FO4N's Debt to Equity ratio of 0.65 is in line compared to the rest of the industry. FO4N outperforms 42.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.1%
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 nice 8.02% over the past year.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
The Revenue has been growing slightly by 7.60% in the past year.
The Revenue has been decreasing by -8.73% on average over the past years.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
3.2 Future
The Earnings Per Share is expected to grow by 4.66% on average over the next years.
FO4N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.89% yearly.
EPS Next Y6.87%
EPS Next 2Y6.63%
EPS Next 3Y7.5%
EPS Next 5Y4.66%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.89%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
FO4N is valuated reasonably with a Price/Earnings ratio of 9.58.
88.89% of the companies in the same industry are more expensive than FO4N, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FO4N to the average of the S&P500 Index (26.59), we can say FO4N is valued rather cheaply.
The Price/Forward Earnings ratio is 7.77, which indicates a rather cheap valuation of FO4N.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FO4N indicates a rather cheap valuation: FO4N is cheaper than 91.11% of the companies listed in the same industry.
FO4N's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.58 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FO4N indicates a somewhat cheap valuation: FO4N is cheaper than 75.56% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FO4N indicates a somewhat cheap valuation: FO4N is cheaper than 62.22% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.26 | ||
| EV/EBITDA | 8.26 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.39
PEG (5Y)2.61
EPS Next 2Y6.63%
EPS Next 3Y7.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.14%, FO4N is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.95, FO4N has a dividend in line with its industry peers.
FO4N's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
5.2 History
The dividend of FO4N is nicely growing with an annual growth rate of 8.13%!
Dividend Growth(5Y)8.13%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
FO4N pays out 54.29% of its income as dividend. This is a bit on the high side, but may be sustainable.
FO4N's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y6.63%
EPS Next 3Y7.5%
FRA:FO4N (12/23/2025, 7:00:00 PM)
59.9
+0.6 (+1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners35.44%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.92B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target63.47 (5.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.14% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP54.29%
Div Incr Years1
Div Non Decr Years1
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)3.46%
PT rev (3m)3.18%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.47%
EPS NY rev (3m)-0.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.58 | ||
| Fwd PE | 7.77 | ||
| P/S | 1.32 | ||
| P/FCF | 8.26 | ||
| P/OCF | 6.52 | ||
| P/B | 1.48 | ||
| P/tB | 1.86 | ||
| EV/EBITDA | 8.26 |
EPS(TTM)6.25
EY10.43%
EPS(NY)7.71
Fwd EY12.87%
FCF(TTM)7.25
FCFY12.1%
OCF(TTM)9.18
OCFY15.33%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.39
PEG (5Y)2.61
Graham Number75.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 14.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.58% | ||
| PM (TTM) | 12.74% | ||
| GM | N/A | ||
| FCFM | 15.93% |
ROA(3y)1.08%
ROA(5y)1.01%
ROE(3y)14.33%
ROE(5y)11.99%
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)1.34%
ROCE(5y)1.29%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.04%
OM growth 5Y15.62%
PM growth 3Y24.59%
PM growth 5Y12.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Debt/EBITDA | 3.19 | ||
| Cap/Depr | 117.74% | ||
| Cap/Sales | 4.25% | ||
| Interest Coverage | 4.77 | ||
| Cash Conversion | 110.93% | ||
| Profit Quality | 125.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC7.1%
ROIC/WACCN/A
Cap/Depr(3y)80.34%
Cap/Depr(5y)60.12%
Cap/Sales(3y)3.25%
Cap/Sales(5y)2.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
EPS Next Y6.87%
EPS Next 2Y6.63%
EPS Next 3Y7.5%
EPS Next 5Y4.66%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.89%
EBIT growth 1Y0.46%
EBIT growth 3Y5.77%
EBIT growth 5Y5.52%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y288.68%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y222.22%
OCF growth 3YN/A
OCF growth 5Y17.48%
AGEAS / FO4N.DE FAQ
Can you provide the ChartMill fundamental rating for AGEAS?
ChartMill assigns a fundamental rating of 4 / 10 to FO4N.DE.
What is the valuation status of AGEAS (FO4N.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to AGEAS (FO4N.DE). This can be considered as Undervalued.
Can you provide the profitability details for AGEAS?
AGEAS (FO4N.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for FO4N stock?
The financial health rating of AGEAS (FO4N.DE) is 2 / 10.
Can you provide the expected EPS growth for FO4N stock?
The Earnings per Share (EPS) of AGEAS (FO4N.DE) is expected to grow by 6.87% in the next year.