AGEAS (FO4N.DE) Stock Fundamental Analysis
FRA:FO4N - Deutsche Boerse Ag - BE0974264930 - Common Stock - Currency: EUR
Taking everything into account, FO4N scores 4 out of 10 in our fundamental rating. FO4N was compared to 37 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 has a decent growth rate and is not valued too expensively.
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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.14%, FO4N is in line with its industry, outperforming 56.76% of the companies in the same industry.
FO4N's Return On Equity of 14.42% is fine compared to the rest of the industry. FO4N outperforms 62.16% of its industry peers.
| 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
FO4N has a better Profit Margin (12.55%) than 78.38% 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 15.03%, FO4N belongs to the top of the industry, outperforming 81.08% of the companies in the same industry.
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.
Compared to 5 years ago, FO4N has less shares outstanding
FO4N has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FO4N is 7.40, which is on the high side as it means it would take FO4N, 7.40 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 7.40, FO4N perfoms like the industry average, outperforming 43.24% of the companies in the same industry.
FO4N has a Debt/Equity ratio of 0.61. This is a neutral value indicating FO4N is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, FO4N is in line with its industry, outperforming 45.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 7.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.03%
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 17.42%, which is quite good.
The Earnings Per Share has been growing slightly by 3.68% on average over the past years.
Looking at the last year, FO4N shows a quite strong growth in Revenue. The Revenue has grown by 13.36% in the last year.
FO4N shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.69% yearly.
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
The Earnings Per Share is expected to grow by 3.35% on average over the next years.
Based on estimates for the next years, FO4N will show a small growth in Revenue. The Revenue will grow by 3.25% on average per year.
EPS Next Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.35%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.25%
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.
4. Valuation
4.1 Price/Earnings Ratio
FO4N is valuated reasonably with a Price/Earnings ratio of 9.26.
FO4N's Price/Earnings ratio is rather cheap when compared to the industry. FO4N is cheaper than 94.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.25. FO4N is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 7.81, the valuation of FO4N can be described as very cheap.
Based on the Price/Forward Earnings ratio, FO4N is valued cheaper than 89.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FO4N to the average of the S&P500 Index (22.15), we can say FO4N is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.26 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FO4N is valued a bit cheaper than the industry average as 78.38% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.48 | ||
| EV/EBITDA | 8.53 |
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)1.43
PEG (5Y)2.52
EPS Next 2Y7.75%
EPS Next 3Y7.49%
5. Dividend
5.1 Amount
FO4N has a Yearly Dividend Yield of 4.24%, which is a nice return.
Compared to an average industry Dividend Yield of 4.50, FO4N has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, FO4N pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
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
52.24% 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.
DP52.24%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
FRA:FO4N (5/30/2025, 7:00:00 PM)
56.4
-0.85 (-1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.34%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap11.22B
Analysts72.5
Price Target55.71 (-1.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
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)3.26%
PT rev (3m)5.31%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.26 | ||
| Fwd PE | 7.81 | ||
| P/S | 1.26 | ||
| P/FCF | 17.48 | ||
| P/OCF | 10.74 | ||
| P/B | 1.45 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | 8.53 |
EPS(TTM)6.09
EY10.8%
EPS(NY)7.22
Fwd EY12.8%
FCF(TTM)3.23
FCFY5.72%
OCF(TTM)5.25
OCFY9.31%
SpS44.79
BVpS38.97
TBVpS30.79
PEG (NY)1.43
PEG (5Y)2.52
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
WACC7.03%
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 Y6.46%
EPS Next 2Y7.75%
EPS Next 3Y7.49%
EPS Next 5Y3.35%
Revenue 1Y (TTM)13.36%
Revenue growth 3Y-11.82%
Revenue growth 5Y-8.69%
Sales Q2Q%12.18%
Revenue Next Year9.14%
Revenue Next 2Y1.12%
Revenue Next 3Y5.61%
Revenue Next 5Y3.25%
EBIT growth 1Y-7.53%
EBIT growth 3Y6.27%
EBIT growth 5Y5.82%
EBIT Next Year-15.77%
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%