AGEAS (FO4N.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:FO4N • BE0974264930

63.05 EUR
-0.5 (-0.79%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall FO4N gets a fundamental rating of 4 out of 10. We evaluated FO4N against 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.


Dividend Valuation Growth Profitability Health

4

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.
  • In multiple years FO4N reported negative operating cash flow during the last 5 years.
FO4N.DE Yearly Net Income VS EBIT VS OCF VS FCFFO4N.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B

1.2 Ratios

  • FO4N has a worse Return On Assets (1.16%) than 65.12% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.28%, FO4N is in line with its industry, outperforming 46.51% of the companies in the same industry.
Industry RankSector 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
FO4N.DE Yearly ROA, ROE, ROICFO4N.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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.
  • FO4N's Operating Margin of 14.58% is fine compared to the rest of the industry. FO4N outperforms 65.12% of its industry peers.
  • In the last couple of years the Operating Margin of FO4N has grown nicely.
Industry RankSector 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
FO4N.DE Yearly Profit, Operating, Gross MarginsFO4N.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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2

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
  • FO4N has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FO4N has a worse debt to assets ratio.
FO4N.DE Yearly Shares OutstandingFO4N.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
FO4N.DE Yearly Total Debt VS Total AssetsFO4N.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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.
  • With a Debt to FCF ratio value of 3.64, FO4N is not doing good in the industry: 67.44% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.65 indicates that FO4N is somewhat dependend on debt financing.
  • FO4N has a Debt to Equity ratio of 0.65. This is in the lower half of the industry: FO4N underperforms 60.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC7.22%
FO4N.DE Yearly LT Debt VS Equity VS FCFFO4N.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FO4N.DE Yearly Current Assets VS Current LiabilitesFO4N.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • FO4N shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.68% yearly.
  • FO4N shows a small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
  • FO4N shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.73% yearly.
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 4.42% on average per year.
  • The Revenue is expected to grow by 9.57% on average over the next years. This is quite good.
EPS Next Y5.79%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
EPS Next 5Y4.42%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.57%

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.
FO4N.DE Yearly Revenue VS EstimatesFO4N.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B
FO4N.DE Yearly EPS VS EstimatesFO4N.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.09, the valuation of FO4N can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of FO4N indicates a rather cheap valuation: FO4N is cheaper than 83.72% of the companies listed in the same industry.
  • FO4N's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
  • With a Price/Forward Earnings ratio of 8.14, the valuation of FO4N can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, FO4N is valued cheaply inside the industry as 88.37% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FO4N to the average of the S&P500 Index (27.77), we can say FO4N is valued rather cheaply.
Industry RankSector Rank
PE 10.09
Fwd PE 8.14
FO4N.DE Price Earnings VS Forward Price EarningsFO4N.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 72.09% 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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 8.7
EV/EBITDA 8.64
FO4N.DE Per share dataFO4N.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)1.74
PEG (5Y)2.74
EPS Next 2Y6.87%
EPS Next 3Y7.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • FO4N has a Yearly Dividend Yield of 3.94%.
  • FO4N's Dividend Yield is slightly below the industry average, which is at 4.23.
  • FO4N's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.94%

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
FO4N.DE Yearly Dividends per shareFO4N.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3 4

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 2Y6.87%
EPS Next 3Y7.94%
FO4N.DE Yearly Income VS Free CF VS DividendFO4N.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B -1.5B
FO4N.DE Dividend Payout.FO4N.DE Dividend Payout, showing the Payout Ratio.FO4N.DE Dividend Payout.PayoutRetained Earnings

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AGEAS

FRA:FO4N (2/6/2026, 7:00:00 PM)

63.05

-0.5 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-27
Earnings (Next)02-25
Inst Owners35.37%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap12.54B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts74.67
Price Target63.72 (1.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
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)-2.42%
PT rev (3m)3.77%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.09
Fwd PE 8.14
P/S 1.39
P/FCF 8.7
P/OCF 6.87
P/B 1.55
P/tB 1.96
EV/EBITDA 8.64
EPS(TTM)6.25
EY9.91%
EPS(NY)7.75
Fwd EY12.29%
FCF(TTM)7.25
FCFY11.5%
OCF(TTM)9.18
OCFY14.57%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)1.74
PEG (5Y)2.74
Graham Number75.56
Profitability
Industry RankSector 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 RankSector 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
WACC7.22%
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 Y5.79%
EPS Next 2Y6.87%
EPS Next 3Y7.94%
EPS Next 5Y4.42%
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 5Y9.57%
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 for FO4N 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.


What is the valuation of AGEAS based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AGEAS (FO4N.DE) is 10.09 and the Price/Book (PB) ratio is 1.55.


How sustainable is the dividend of AGEAS (FO4N.DE) stock?

The dividend rating of AGEAS (FO4N.DE) is 5 / 10 and the dividend payout ratio is 54.29%.