AGEAS (FO4N.DE) Fundamental Analysis & Valuation

FRA:FO4N • BE0974264930

Current stock price

59 EUR
-1.3 (-2.16%)
Last:

This FO4N.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FO4N.DE Profitability Analysis

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.
  • The reported operating cash flow has been mixed in the past 5 years: FO4N reported negative operating cash flow in multiple 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

  • With a Return On Assets value of 1.16%, FO4N perfoms like the industry average, outperforming 40.48% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 14.28%, FO4N is in line with its industry, outperforming 50.00% 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

  • FO4N has a better Profit Margin (12.74%) than 73.81% of its industry peers.
  • FO4N's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 14.58%, FO4N is doing good in the industry, outperforming 69.05% of the companies in the same industry.
  • 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. FO4N.DE Health Analysis

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.
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 perfoms like the industry average, outperforming 40.48% of the companies in the same industry.
  • FO4N has a Debt/Equity ratio of 0.65. This is a neutral value indicating FO4N is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.65, FO4N perfoms like the industry average, outperforming 45.24% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 3.64
Altman-Z N/A
ROIC/WACCN/A
WACC7.16%
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. FO4N.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 8.02% over the past year.
  • 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%.
  • Measured over the past years, FO4N shows a decrease in Revenue. The Revenue has been decreasing by -8.73% on average per year.
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

  • FO4N is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.51% yearly.
  • The Revenue is expected to grow by 9.75% on average over the next years. This is quite good.
EPS Next Y22.52%
EPS Next 2Y6.44%
EPS Next 3Y7.65%
EPS Next 5Y4.51%
Revenue Next Year1.33%
Revenue Next 2Y2.79%
Revenue Next 3Y3.74%
Revenue Next 5Y9.75%

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.
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 10

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7

4. FO4N.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.44, 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 80.95% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. FO4N is valued rather cheaply when compared to this.
  • FO4N is valuated cheaply with a Price/Forward Earnings ratio of 7.68.
  • Based on the Price/Forward Earnings ratio, FO4N is valued cheaper than 90.48% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FO4N to the average of the S&P500 Index (22.42), we can say FO4N is valued rather cheaply.
Industry RankSector Rank
PE 9.44
Fwd PE 7.68
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

  • Based on the Enterprise Value to EBITDA ratio, FO4N is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
  • 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 8.14
EV/EBITDA 8.15
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.42
PEG (5Y)2.57
EPS Next 2Y6.44%
EPS Next 3Y7.65%

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

6

5. FO4N.DE Dividend Analysis

5.1 Amount

  • FO4N has a Yearly Dividend Yield of 4.35%, which is a nice return.
  • FO4N's Dividend Yield is slightly below the industry average, which is at 4.59.
  • Compared to an average S&P500 Dividend Yield of 1.89, FO4N pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.35%

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.
  • The dividend of FO4N is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP54.29%
EPS Next 2Y6.44%
EPS Next 3Y7.65%
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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FO4N.DE Fundamentals: All Metrics, Ratios and Statistics

AGEAS

FRA:FO4N (3/20/2026, 7:00:00 PM)

59

-1.3 (-2.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners31.62%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.74B
Revenue(TTM)9.05B
Net Income(TTM)1.15B
Analysts75
Price Target65.71 (11.37%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
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)3.12%
PT rev (3m)3.52%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)15.82%
EPS NY rev (3m)14.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-7.87%
Revenue NY rev (3m)-7.87%
Valuation
Industry RankSector Rank
PE 9.44
Fwd PE 7.68
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)7.68
Fwd EY13.02%
FCF(TTM)7.25
FCFY12.29%
OCF(TTM)9.18
OCFY15.57%
SpS45.5
BVpS40.6
TBVpS32.18
PEG (NY)0.42
PEG (5Y)2.57
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
WACC7.16%
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 Y22.52%
EPS Next 2Y6.44%
EPS Next 3Y7.65%
EPS Next 5Y4.51%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y-11.89%
Revenue growth 5Y-8.73%
Sales Q2Q%3.26%
Revenue Next Year1.33%
Revenue Next 2Y2.79%
Revenue Next 3Y3.74%
Revenue Next 5Y9.75%
EBIT growth 1Y0.46%
EBIT growth 3Y5.77%
EBIT growth 5Y5.52%
EBIT Next Year12.63%
EBIT Next 3Y7.47%
EBIT Next 5Y6.05%
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 Fundamental Analysis 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 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.


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

The Price/Earnings (PE) ratio for AGEAS (FO4N.DE) is 9.44 and the Price/Book (PB) ratio is 1.45.


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

The dividend rating of AGEAS (FO4N.DE) is 6 / 10 and the dividend payout ratio is 54.29%.