AGEAS (FO4N.DE) Stock Fundamental Analysis
Europe - FRA:FO4N - BE0974264930 - Common Stock
58 EUR
+0.75 (+1.31%)
We assign a fundamental rating of 4 out of 10 to FO4N. FO4N was compared to 43 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FO4N was profitable.
FO4N had a positive operating cash flow in the past year.
In the past 5 years FO4N has always 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
The Return On Assets of FO4N (1.16%) is comparable to the rest of the industry.
FO4N has a Return On Equity (14.28%) which is in line with 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
Looking at the Profit Margin, with a value of 12.74%, FO4N is in the better half of the industry, outperforming 76.74% of the companies in the same industry.
In the last couple of years the Profit Margin of FO4N has grown nicely.
The Operating Margin of FO4N (14.58%) is better than 62.79% 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.
The number of shares outstanding for FO4N has been reduced compared to 1 year ago.
Compared to 5 years ago, FO4N has less shares outstanding
Compared to 1 year ago, FO4N has a worse debt to assets ratio.
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 of 3.64. This is comparable to the rest of the industry: FO4N outperforms 44.19% of its industry peers.
FO4N has a Debt/Equity ratio of 0.65. This is a neutral value indicating FO4N is somewhat dependend on debt financing.
FO4N has a Debt to Equity ratio (0.65) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.13%
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.
FO4N shows a small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
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
Based on estimates for the next years, FO4N will show a small growth in Earnings Per Share. The EPS will grow by 4.26% on average per year.
FO4N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.47% yearly.
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.26%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.47%
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 stable.
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
With a Price/Earnings ratio of 9.28, the valuation of FO4N can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FO4N indicates a rather cheap valuation: FO4N is cheaper than 93.02% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.83. FO4N is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.63, 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 83.72% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FO4N to the average of the S&P500 Index (22.88), we can say FO4N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FO4N is valued a bit cheaper than 72.09% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FO4N is valued a bit cheaper than the industry average as 65.12% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8 | ||
| EV/EBITDA | 8.03 |
4.3 Compensation for Growth
FO4N's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.74
PEG (5Y)2.53
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.28%, FO4N is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.57, FO4N is paying slightly less dividend.
FO4N's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.28% |
5.2 History
On average, the dividend of FO4N grows each year by 8.13%, which is quite nice.
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 2Y5.86%
EPS Next 3Y6.86%
FRA:FO4N (10/27/2025, 7:00:00 PM)
58
+0.75 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners39.79%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.54B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target61.35 (5.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.28% |
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)-0.27%
PT rev (3m)12.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 7.63 | ||
| P/S | 1.27 | ||
| P/FCF | 8 | ||
| P/OCF | 6.32 | ||
| P/B | 1.43 | ||
| P/tB | 1.8 | ||
| EV/EBITDA | 8.03 |
EPS(TTM)6.25
EY10.78%
EPS(NY)7.6
Fwd EY13.11%
FCF(TTM)7.25
FCFY12.5%
OCF(TTM)9.18
OCFY15.83%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.74
PEG (5Y)2.53
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
WACC7.13%
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 Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.26%
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 5Y9.47%
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 6 / 10 to AGEAS (FO4N.DE). This can be considered as Fairly Valued.
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 5.32% in the next year.