AGEAS (FO4N.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:FO4N - BE0974264930 - Common Stock
59 EUR
+0.15 (+0.25%)
We assign a fundamental rating of 4 out of 10 to FO4N. FO4N was compared to 48 industry peers in the Insurance industry. FO4N has a medium profitability rating, but doesn't score so well on its financial health evaluation. FO4N has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FO4N was profitable.
In the past year FO4N had a positive cash flow from operations.
In the past 5 years FO4N has always been profitable.
In multiple years FO4N reported negative operating cash flow during the last 5 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 of 14.28%. This is comparable to the rest of the industry: FO4N outperforms 45.83% 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
Looking at the Profit Margin, with a value of 12.74%, FO4N is in the better half of the industry, outperforming 77.08% of the companies in the same industry.
FO4N's Profit Margin has improved in the last couple of years.
FO4N has a better Operating Margin (14.58%) than 60.42% of its industry peers.
FO4N's Operating Margin has improved in the last couple of years.
| 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.
The number of shares outstanding for FO4N has been reduced compared to 5 years ago.
The debt/assets ratio for FO4N is higher compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 3.64, FO4N is in line with its industry, outperforming 43.75% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that FO4N is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.65, FO4N is in line with its industry, outperforming 43.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 3.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.09%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FO4N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.02%, which is quite good.
Measured over the past 5 years, FO4N shows a small growth in Earnings Per Share. The EPS has been growing by 3.68% on average per year.
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 4.66% on average per year.
The Revenue is expected to grow by 9.89% on average over the next years. This is quite good.
EPS Next Y5.32%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
EPS Next 5Y4.66%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.89%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.44, which indicates a very decent valuation of FO4N.
Based on the Price/Earnings ratio, FO4N is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
FO4N is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.76, the valuation of FO4N can be described as very cheap.
Based on the Price/Forward Earnings ratio, FO4N is valued cheaply inside the industry as 89.58% of the companies are valued more expensively.
FO4N 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 | 9.44 | ||
| Fwd PE | 7.76 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than FO4N, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FO4N indicates a somewhat cheap valuation: FO4N is cheaper than 64.58% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.14 | ||
| EV/EBITDA | 8.15 |
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)1.77
PEG (5Y)2.57
EPS Next 2Y5.86%
EPS Next 3Y6.86%
5. Dividend
5.1 Amount
FO4N has a Yearly Dividend Yield of 4.15%, which is a nice return.
Compared to an average industry Dividend Yield of 4.47, FO4N has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, FO4N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
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.
The dividend of FO4N is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y5.86%
EPS Next 3Y6.86%
FRA:FO4N (11/28/2025, 7:00:00 PM)
59
+0.15 (+0.25%)
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 Cap11.74B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts76
Price Target62.39 (5.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
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)1.69%
PT rev (3m)9.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.68%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.44 | ||
| Fwd PE | 7.76 | ||
| P/S | 1.3 | ||
| P/FCF | 8.14 | ||
| P/OCF | 6.42 | ||
| P/B | 1.45 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | 8.15 |
EPS(TTM)6.25
EY10.59%
EPS(NY)7.6
Fwd EY12.88%
FCF(TTM)7.25
FCFY12.29%
OCF(TTM)9.18
OCFY15.57%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.77
PEG (5Y)2.57
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
WACC7.09%
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 5Y4.66%
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 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.