AGEAS (FO4N.DE) Fundamental Analysis & Valuation

FRA:FO4N • BE0974264930

Current stock price

68.9 EUR
+1 (+1.47%)
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.
  • In the past year FO4N had a positive cash flow from operations.
  • Each year in the past 5 years FO4N has been profitable.
  • Of the past 5 years FO4N 4 years had a positive operating cash flow.
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 2025 0 1B -1B 2B

1.2 Ratios

  • With a Return On Assets value of 1.60%, FO4N perfoms like the industry average, outperforming 55.26% of the companies in the same industry.
  • FO4N has a Return On Equity (18.13%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.6%
ROE 18.13%
ROIC N/A
ROA(3y)1.24%
ROA(5y)1.12%
ROE(3y)15.13%
ROE(5y)13.64%
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 2025 0 5 10 15

1.3 Margins

  • The Profit Margin of FO4N (17.50%) is better than 86.84% of its industry peers.
  • FO4N's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 13.53%, FO4N is doing good in the industry, outperforming 65.79% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FO4N has remained more or less at the same level.
Industry RankSector Rank
OM 13.53%
PM (TTM) 17.5%
GM N/A
OM growth 3Y-5.05%
OM growth 5Y0.39%
PM growth 3Y5.32%
PM growth 5Y12.43%
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 2025 0 5 10 15

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1

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.
  • Compared to 1 year ago, FO4N has more shares outstanding
  • The number of shares outstanding for FO4N has been increased 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 2025 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 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • The Debt to FCF ratio of FO4N is 2.77, which is a good value as it means it would take FO4N, 2.77 years of fcf income to pay off all of its debts.
  • FO4N has a Debt to FCF ratio (2.77) which is comparable to the rest of the industry.
  • FO4N has a Debt/Equity ratio of 0.75. This is a neutral value indicating FO4N is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.75, FO4N is not doing good in the industry: 63.16% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 2.77
Altman-Z N/A
ROIC/WACCN/A
WACC6.93%
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 2025 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 2025 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

  • FO4N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.97%, which is quite impressive.
  • The Earnings Per Share has been growing by 8.44% on average over the past years. This is quite good.
  • Looking at the last year, FO4N shows a quite strong growth in Revenue. The Revenue has grown by 10.00% in the last year.
  • FO4N shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.54% yearly.
EPS 1Y (TTM)48.97%
EPS 3Y15.18%
EPS 5Y8.44%
EPS Q2Q%108.52%
Revenue 1Y (TTM)10%
Revenue growth 3Y10.14%
Revenue growth 5Y-3.54%
Sales Q2Q%16.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.14% on average over the next years.
  • FO4N is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.86% yearly.
EPS Next Y-6.76%
EPS Next 2Y1.3%
EPS Next 3Y2.52%
EPS Next 5Y1.14%
Revenue Next Year4.47%
Revenue Next 2Y5.06%
Revenue Next 3Y4.68%
Revenue Next 5Y10.86%

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 decreasing.
  • 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. FO4N.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • FO4N is valuated cheaply with a Price/Earnings ratio of 7.60.
  • Compared to the rest of the industry, the Price/Earnings ratio of FO4N indicates a rather cheap valuation: FO4N is cheaper than 89.47% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, FO4N is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.89 indicates a reasonable valuation of FO4N.
  • 84.21% of the companies in the same industry are more expensive than FO4N, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FO4N to the average of the S&P500 Index (22.29), we can say FO4N is valued rather cheaply.
Industry RankSector Rank
PE 7.6
Fwd PE 8.89
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FO4N indicates a somewhat cheap valuation: FO4N is cheaper than 68.42% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, FO4N is valued a bit cheaper than the industry average as 63.16% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.32
EV/EBITDA 10.55
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

PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2Y1.3%
EPS Next 3Y2.52%

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

5

5. FO4N.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.87%, FO4N has a reasonable but not impressive dividend return.
  • FO4N's Dividend Yield is slightly below the industry average, which is at 4.46.
  • Compared to an average S&P500 Dividend Yield of 1.81, FO4N pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.87%

5.2 History

  • On average, the dividend of FO4N grows each year by 6.52%, which is quite nice.
Dividend Growth(5Y)6.52%
Div Incr Years2
Div Non Decr Years2
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

  • 38.38% of the earnings are spent on dividend by FO4N. This is a low number and sustainable payout ratio.
  • The dividend of FO4N is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.38%
EPS Next 2Y1.3%
EPS Next 3Y2.52%
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 2025 0 1B -1B 2B
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 (4/22/2026, 7:00:00 PM)

68.9

+1 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners32.03%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap13.71B
Revenue(TTM)9.78B
Net Income(TTM)1.71B
Analysts75
Price Target65.64 (-4.73%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend3.52
Dividend Growth(5Y)6.52%
DP38.38%
Div Incr Years2
Div Non Decr Years2
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)-0.1%
PT rev (3m)3.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.84%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)-7.18%
Valuation
Industry RankSector Rank
PE 7.6
Fwd PE 8.89
P/S 1.4
P/FCF 5.32
P/OCF 4.73
P/B 1.45
P/tB 2.71
EV/EBITDA 10.55
EPS(TTM)9.07
EY13.16%
EPS(NY)7.75
Fwd EY11.25%
FCF(TTM)12.95
FCFY18.79%
OCF(TTM)14.57
OCFY21.14%
SpS49.17
BVpS47.46
TBVpS25.39
PEG (NY)N/A
PEG (5Y)0.9
Graham Number98.4108 (42.83%)
Profitability
Industry RankSector Rank
ROA 1.6%
ROE 18.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 13.53%
PM (TTM) 17.5%
GM N/A
FCFM 26.34%
ROA(3y)1.24%
ROA(5y)1.12%
ROE(3y)15.13%
ROE(5y)13.64%
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)1.36%
ROCE(5y)1.26%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-5.05%
OM growth 5Y0.39%
PM growth 3Y5.32%
PM growth 5Y12.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 2.77
Debt/EBITDA 4.24
Cap/Depr 90.2%
Cap/Sales 3.29%
Interest Coverage 4.64
Cash Conversion 172.5%
Profit Quality 150.47%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.93%
ROIC/WACCN/A
Cap/Depr(3y)96.69%
Cap/Depr(5y)69.77%
Cap/Sales(3y)3.62%
Cap/Sales(5y)2.84%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)48.97%
EPS 3Y15.18%
EPS 5Y8.44%
EPS Q2Q%108.52%
EPS Next Y-6.76%
EPS Next 2Y1.3%
EPS Next 3Y2.52%
EPS Next 5Y1.14%
Revenue 1Y (TTM)10%
Revenue growth 3Y10.14%
Revenue growth 5Y-3.54%
Sales Q2Q%16.38%
Revenue Next Year4.47%
Revenue Next 2Y5.06%
Revenue Next 3Y4.68%
Revenue Next 5Y10.86%
EBIT growth 1Y0.23%
EBIT growth 3Y4.58%
EBIT growth 5Y-3.17%
EBIT Next Year6.81%
EBIT Next 3Y3.84%
EBIT Next 5YN/A
FCF growth 1Y301.25%
FCF growth 3Y44.21%
FCF growth 5YN/A
OCF growth 1Y177.32%
OCF growth 3Y41.68%
OCF growth 5YN/A

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 6 / 10 to AGEAS (FO4N.DE). This can be considered as Fairly Valued.


What is the profitability of FO4N stock?

AGEAS (FO4N.DE) has a profitability rating of 4 / 10.


What is the financial health of AGEAS (FO4N.DE) stock?

The financial health rating of AGEAS (FO4N.DE) is 1 / 10.


Is the dividend of AGEAS sustainable?

The dividend rating of AGEAS (FO4N.DE) is 5 / 10 and the dividend payout ratio is 38.38%.