AGEAS (FO4N.DE) Stock Fundamental Analysis
FRA:FO4N - BE0974264930 - Common Stock
59.15 EUR
+0.6 (+1.02%)
Taking everything into account, FO4N scores 4 out of 10 in our fundamental rating. FO4N was compared to 36 industry peers in the Insurance industry. There are concerns on the financial health of FO4N while its profitability can be described as average. FO4N has a correct valuation and a medium 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.
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.
1.2 Ratios
With a Return On Assets value of 1.14%, FO4N is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
FO4N has a Return On Equity (14.42%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| 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
With a decent Profit Margin value of 12.55%, FO4N is doing good in the industry, outperforming 77.78% 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 15.03% is fine compared to the rest of the industry. FO4N outperforms 72.22% of its industry peers.
In the last couple of years the Operating Margin of FO4N has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A |
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
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.
FO4N has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FO4N has been reduced compared to 5 years ago.
Compared to 1 year ago, FO4N has a worse debt to assets ratio.
2.2 Solvency
FO4N has a debt to FCF ratio of 7.40. This is a slightly negative value and a sign of low solvency as FO4N would need 7.40 years to pay back of all of its debts.
FO4N has a Debt to FCF ratio (7.40) which is comparable to the rest of the industry.
FO4N has a Debt/Equity ratio of 0.61. This is a neutral value indicating FO4N is somewhat dependend on debt financing.
FO4N's Debt to Equity ratio of 0.61 is fine compared to the rest of the industry. FO4N outperforms 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| 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 17.42% over the past year.
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.
Looking at the last year, FO4N shows a quite strong growth in Revenue. The Revenue has grown by 13.36% in the last year.
The Revenue has been decreasing by -8.69% on average over the past years.
EPS 1Y (TTM)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
3.2 Future
FO4N is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.46% yearly.
FO4N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.71% yearly.
EPS Next Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.46%
Revenue Next Year10.24%
Revenue Next 2Y6.98%
Revenue Next 3Y6.13%
Revenue Next 5Y9.71%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 9.71, the valuation of FO4N can be described as reasonable.
FO4N's Price/Earnings ratio is rather cheap when compared to the industry. FO4N is cheaper than 88.89% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, FO4N is valued rather cheaply.
FO4N is valuated reasonably with a Price/Forward Earnings ratio of 8.14.
Based on the Price/Forward Earnings ratio, FO4N is valued cheaply inside the industry as 86.11% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, FO4N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.71 | ||
| Fwd PE | 8.14 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FO4N is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, FO4N is valued a bit more expensive than 63.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.33 | ||
| EV/EBITDA | 8.76 |
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)1.36
PEG (5Y)2.64
EPS Next 2Y7.21%
EPS Next 3Y7.09%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.04%, FO4N is a good candidate for dividend investing.
FO4N's Dividend Yield is slightly below the industry average, which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.32, FO4N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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
52.24% of the earnings are spent on dividend by FO4N. 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.
DP52.24%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
FRA:FO4N (9/4/2025, 7:00:00 PM)
59.15
+0.6 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners56.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap11.77B
Analysts76
Price Target56.8 (-3.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
Yearly Dividend3.19
Dividend Growth(5Y)8.13%
DP52.24%
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)4.51%
PT rev (3m)1.96%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.62%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.71 | ||
| Fwd PE | 8.14 | ||
| P/S | 1.32 | ||
| P/FCF | 18.33 | ||
| P/OCF | 11.26 | ||
| P/B | 1.52 | ||
| P/tB | 1.92 | ||
| EV/EBITDA | 8.76 |
EPS(TTM)6.09
EY10.3%
EPS(NY)7.27
Fwd EY12.28%
FCF(TTM)3.23
FCFY5.46%
OCF(TTM)5.25
OCFY8.88%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.36
PEG (5Y)2.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 14.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 15.03% | ||
| PM (TTM) | 12.55% | ||
| GM | N/A | ||
| FCFM | 7.2% |
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)1.35%
ROCE(5y)1.3%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y20.52%
OM growth 5Y15.89%
PM growth 3Y24.5%
PM growth 5Y12.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 130% | ||
| Cap/Sales | 4.52% | ||
| Interest Coverage | 4.55 | ||
| Cash Conversion | 63.37% | ||
| Profit Quality | 57.42% | ||
| 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)17.42%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%13.2%
EPS Next Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.46%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
Revenue Next Year10.24%
Revenue Next 2Y6.98%
Revenue Next 3Y6.13%
Revenue Next 5Y9.71%
EBIT growth 1Y-7.53%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-22.77%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y658.26%
FCF growth 3YN/A
FCF growth 5Y18.15%
OCF growth 1Y742.74%
OCF growth 3YN/A
OCF growth 5Y17.48%