NBG6 Fundamental Analysis - NUERNBERGER BETEILIG-AKT 'B'

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to NBG6. NBG6 was compared to 40 industry peers in the Insurance industry. NBG6 has a bad profitability rating. Also its financial health evaluation is rather negative. NBG6 is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year NBG6 has reported negative net income.

In the past year NBG6 had a positive cash flow from operations.

NBG6 had positive earnings in 4 of the past 5 years.

In multiple years NBG6 reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of -0.02%, NBG6 is not doing good in the industry: 90.00% of the companies in the same industry are doing better.

With a Return On Equity value of -0.96%, NBG6 is not doing good in the industry: 90.00% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.96%
ROIC	N/A

ROA(3y)0.04%

ROA(5y)0.1%

ROE(3y)0.74%

ROE(5y)3.56%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

NBG6 does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NBG6 does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NBG6 remains at a similar level compared to 1 year ago.

NBG6 has about the same amout of shares outstanding than it did 5 years ago.

The debt/assets ratio for NBG6 is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of -0.38, we must say that NBG6 is in the distress zone and has some risk of bankruptcy.

NBG6 has a Altman-Z score of -0.38. This is in the better half of the industry: NBG6 outperforms 65.00% of its industry peers.

A Debt/Equity ratio of 0.13 indicates that NBG6 is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.13, NBG6 belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	N/A
Altman-Z	-0.38

ROIC/WACCN/A

WACC6.99%

2.3 Liquidity

NBG6 has a Current Ratio of 0.01. This is a bad value and indicates that NBG6 is not financially healthy enough and could expect problems in meeting its short term obligations.

Looking at the Current ratio, with a value of 0.01, NBG6 is in line with its industry, outperforming 57.50% of the companies in the same industry.

A Quick Ratio of 0.01 indicates that NBG6 may have some problems paying its short term obligations.

Looking at the Quick ratio, with a value of 0.01, NBG6 is in line with its industry, outperforming 57.50% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.01
Quick Ratio	0.01

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NBG6 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -154.00%.

The Revenue for NBG6 has decreased by -47.71% in the past year. This is quite bad

Measured over the past years, NBG6 shows a decrease in Revenue. The Revenue has been decreasing by -0.96% on average per year.

EPS 1Y (TTM)-154%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%293.73%

Revenue 1Y (TTM)-47.71%

Revenue growth 3Y-1.83%

Revenue growth 5Y-0.96%

Sales Q2Q%-34.85%

3.2 Future

The Earnings Per Share is expected to grow by 47.16% on average over the next years. This is a very strong growth

Based on estimates for the next years, NBG6 will show a decrease in Revenue. The Revenue will decrease by -1.59% on average per year.

EPS Next Y162%

EPS Next 2Y73.77%

EPS Next 3Y47.16%

EPS Next 5YN/A

Revenue Next Year-7.4%

Revenue Next 2Y-2.78%

Revenue Next 3Y-1.59%

Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

NBG6 reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Based on the Price/Forward Earnings ratio of 9.69, the valuation of NBG6 can be described as reasonable.

67.50% of the companies in the same industry are more expensive than NBG6, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of NBG6 to the average of the S&P500 Index (23.32), we can say NBG6 is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	9.69

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

NBG6's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

NBG6's earnings are expected to grow with 47.16% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y73.77%

EPS Next 3Y47.16%

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5. Dividend

5.1 Amount

With a yearly dividend of 0.21%, NBG6 is not a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.55, NBG6's dividend is way lower than its industry peers. On top of this 92.50% of the companies listed in the same industry pay a better dividend than NBG6!

With a Dividend Yield of 0.21, NBG6 pays less dividend than the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	0.21%

5.2 History

The dividend of NBG6 has a limited annual growth rate of 3.13%.

Dividend Growth(5Y)3.13%

Div Incr Years0

Div Non Decr Years5

5.3 Sustainability

The earnings of NBG6 are negative and hence is the payout ratio. NBG6 will probably not be able to sustain this dividend level.

The dividend of NBG6 is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-19.25%

EPS Next 2Y73.77%

EPS Next 3Y47.16%

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NUERNBERGER BETEILIG-AKT 'B'

FRA:NBG6 (10/3/2025, 7:00:00 PM)

65.6

-0.6 (-0.91%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)09-19 2024-09-19

Earnings (Next)N/A N/A

Inst Owners20.04%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap755.06M

Analysts82.5

Price Target68.85 (4.95%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.21%

Yearly Dividend3.5

Dividend Growth(5Y)3.13%

DP-19.25%

Div Incr Years0

Div Non Decr Years5

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)12.5%

PT rev (3m)12.5%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)12.08%

EPS NY rev (3m)-19.82%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.41%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	9.69
P/S	0.32
P/FCF	N/A
P/OCF	146.24
P/B	0.86
P/tB	0.97
EV/EBITDA	N/A

EPS(TTM)-0.73

EYN/A

EPS(NY)6.77

Fwd EY10.32%

FCF(TTM)-1.29

FCFYN/A

OCF(TTM)0.45

OCFY0.68%

SpS206.04

BVpS76.1

TBVpS67.63

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.02%
ROE	-0.96%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)0.04%

ROA(5y)0.1%

ROE(3y)0.74%

ROE(5y)3.56%

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)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.84%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.01
Quick Ratio	0.01
Altman-Z	-0.38

F-Score2

WACC6.99%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.87%

Cap/Sales(5y)0.99%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-154%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%293.73%

EPS Next Y162%

EPS Next 2Y73.77%

EPS Next 3Y47.16%

EPS Next 5YN/A

Revenue 1Y (TTM)-47.71%

Revenue growth 3Y-1.83%

Revenue growth 5Y-0.96%

Sales Q2Q%-34.85%

Revenue Next Year-7.4%

Revenue Next 2Y-2.78%

Revenue Next 3Y-1.59%

Revenue Next 5YN/A

EBIT growth 1Y-1381.91%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year700%

EBIT Next 3Y137.31%

EBIT Next 5YN/A

FCF growth 1Y95.89%

FCF growth 3Y17.06%

FCF growth 5Y-11.06%

OCF growth 1Y101.58%

OCF growth 3Y6.18%

OCF growth 5Y-10.51%

NUERNBERGER BETEILIG-AKT 'B' (NBG6.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens