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AGEAS (FO4N.DE) Stock Fundamental Analysis

Europe - FRA:FO4N - BE0974264930 - Common Stock

58.4 EUR
0 (0%)
Last: 9/22/2025, 7:00:00 PM
Fundamental Rating

4

Overall FO4N gets a fundamental rating of 4 out of 10. We evaluated FO4N against 42 industry peers in the Insurance industry. FO4N has a medium profitability rating, but doesn't score so well on its financial health evaluation. FO4N scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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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.
FO4N had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B

1.2 Ratios

FO4N has a Return On Assets (1.16%) which is comparable to the rest of the 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

FO4N has a better Profit Margin (12.73%) than 78.57% of its industry peers.
In the last couple of years the Profit Margin of FO4N has grown nicely.
Looking at the Operating Margin, with a value of 14.60%, FO4N is in the better half of 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 14.6%
PM (TTM) 12.73%
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
FO4N.DE Yearly Profit, Operating, Gross MarginsFO4N.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 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.
FO4N has less shares outstanding than it did 1 year ago.
FO4N has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FO4N is higher compared to a year ago.
FO4N.DE Yearly Shares OutstandingFO4N.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

2.2 Solvency

FO4N has a debt to FCF ratio of 3.64. This is a good value and a sign of high solvency as FO4N would need 3.64 years to pay back of all of its debts.
FO4N has a Debt to FCF ratio (3.64) which is in line with its industry peers.
A Debt/Equity ratio of 0.65 indicates that 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
WACC7.11%
FO4N.DE Yearly LT Debt VS Equity VS FCFFO4N.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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4

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.
The Revenue has been growing slightly by 7.62% in the past year.
FO4N shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.69% yearly.
EPS 1Y (TTM)8.02%
EPS 3Y10.44%
EPS 5Y3.68%
EPS Q2Q%4.61%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%

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 4.32% on average per year.
Based on estimates for the next years, FO4N will show a quite strong growth in Revenue. The Revenue will grow by 9.56% on average per year.
EPS Next Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.32%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.
FO4N.DE Yearly Revenue VS EstimatesFO4N.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5B 10B 15B
FO4N.DE Yearly EPS VS EstimatesFO4N.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.34, the valuation of FO4N can be described as very reasonable.
Based on the Price/Earnings ratio, FO4N is valued cheaper than 95.24% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.32, FO4N is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.49, the valuation of FO4N can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FO4N indicates a rather cheap valuation: FO4N is cheaper than 90.48% 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 (22.89), we can say FO4N is valued rather cheaply.
Industry RankSector Rank
PE 9.34
Fwd PE 7.49
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 71.43% of the companies in the same industry.
FO4N's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FO4N is cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.06
EV/EBITDA 8.07
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

FO4N's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.31
PEG (5Y)2.54
EPS Next 2Y7.21%
EPS Next 3Y7.09%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.24%, FO4N is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.63, FO4N is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.38, FO4N pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.24%

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
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

54.29% of the earnings are spent on dividend by FO4N. 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 2Y7.21%
EPS Next 3Y7.09%
FO4N.DE Yearly Income VS Free CF VS DividendFO4N.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (9/22/2025, 7:00:00 PM)

58.4

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-27 2025-08-27
Earnings (Next)02-10 2026-02-10/amc
Inst Owners56.55%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap11.62B
Analysts76
Price Target61.51 (5.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.24%
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)8.47%
PT rev (3m)13.17%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 9.34
Fwd PE 7.49
P/S 1.28
P/FCF 8.06
P/OCF 6.36
P/B 1.44
P/tB 1.81
EV/EBITDA 8.07
EPS(TTM)6.25
EY10.7%
EPS(NY)7.8
Fwd EY13.35%
FCF(TTM)7.25
FCFY12.41%
OCF(TTM)9.18
OCFY15.73%
SpS45.51
BVpS40.6
TBVpS32.18
PEG (NY)1.31
PEG (5Y)2.54
Profitability
Industry RankSector Rank
ROA 1.16%
ROE 14.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.6%
PM (TTM) 12.73%
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)1.35%
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 RankSector Rank
Debt/Equity 0.65
Debt/FCF 3.64
Debt/EBITDA 3.18
Cap/Depr 117.74%
Cap/Sales 4.25%
Interest Coverage 4.77
Cash Conversion 110.79%
Profit Quality 125.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.11%
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 Y7.12%
EPS Next 2Y7.21%
EPS Next 3Y7.09%
EPS Next 5Y4.32%
Revenue 1Y (TTM)7.62%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%3.31%
Revenue Next Year9.98%
Revenue Next 2Y6.79%
Revenue Next 3Y6.01%
Revenue Next 5Y9.56%
EBIT growth 1Y0.61%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
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%