NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:NN - NL0010773842 - Common Stock
65.72 EUR
+0.38 (+0.58%)
Taking everything into account, NN scores 5 out of 10 in our fundamental rating. NN was compared to 47 industry peers in the Insurance industry. NN has an average financial health and profitability rating. NN is not valued too expensively and it also shows a decent growth rate. NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NN was profitable.
In the past year NN had a positive cash flow from operations.
NN had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NN reported negative operating cash flow in multiple years.
1.2 Ratios
NN has a Return On Assets of 0.61%. This is in the lower half of the industry: NN underperforms 76.60% of its industry peers.
The Return On Equity of NN (5.84%) is worse than 87.23% of its industry peers.
With a Return On Invested Capital value of 0.43%, NN is not doing good in the industry: 65.96% of the companies in the same industry are doing better.
NN had an Average Return On Invested Capital over the past 3 years of 0.31%. This is below the industry average of 2.63%.
The last Return On Invested Capital (0.43%) for NN is above the 3 year average (0.31%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROIC | 0.43% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
1.3 Margins
Looking at the Profit Margin, with a value of 9.91%, NN is in the better half of the industry, outperforming 63.83% of the companies in the same industry.
In the last couple of years the Profit Margin of NN has grown nicely.
The Operating Margin of NN (8.71%) is comparable to the rest of the industry.
NN's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A |
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NN is destroying value.
NN has less shares outstanding than it did 1 year ago.
NN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for NN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.13, we must say that NN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of NN (0.13) is better than 78.72% of its industry peers.
The Debt to FCF ratio of NN is 70.44, which is on the high side as it means it would take NN, 70.44 years of fcf income to pay off all of its debts.
NN's Debt to FCF ratio of 70.44 is on the low side compared to the rest of the industry. NN is outperformed by 74.47% of its industry peers.
A Debt/Equity ratio of 0.62 indicates that NN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.62, NN is in line with its industry, outperforming 57.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.18%
2.3 Liquidity
NN has a Current Ratio of 2.16. This indicates that NN is financially healthy and has no problem in meeting its short term obligations.
NN has a better Current ratio (2.16) than 91.49% of its industry peers.
NN has a Quick Ratio of 2.16. This indicates that NN is financially healthy and has no problem in meeting its short term obligations.
NN's Quick ratio of 2.16 is amongst the best of the industry. NN outperforms 91.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.61% over the past year.
NN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.60% yearly.
Looking at the last year, NN shows a small growth in Revenue. The Revenue has grown by 1.39% in the last year.
The Revenue for NN have been decreasing by -12.53% on average. This is quite bad
EPS 1Y (TTM)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
The Earnings Per Share is expected to grow by 6.34% on average over the next years.
Based on estimates for the next years, NN will show a small growth in Revenue. The Revenue will grow by 2.40% on average per year.
EPS Next Y-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.4%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
NN is valuated correctly with a Price/Earnings ratio of 14.01.
NN's Price/Earnings is on the same level as the industry average.
NN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.77.
Based on the Price/Forward Earnings ratio of 8.15, the valuation of NN can be described as reasonable.
NN's Price/Forward Earnings ratio is rather cheap when compared to the industry. NN is cheaper than 85.11% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.35, NN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.01 | ||
| Fwd PE | 8.15 |
4.2 Price Multiples
NN's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, NN is valued a bit more expensive than 74.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 93.54 | ||
| EV/EBITDA | 18.34 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.84%
EPS Next 3Y9.81%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.38%, NN is a good candidate for dividend investing.
NN's Dividend Yield is rather good when compared to the industry average which is at 3.90. NN pays more dividend than 85.11% of the companies in the same industry.
NN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
5.2 History
The dividend of NN is nicely growing with an annual growth rate of 15.92%!
Dividend Growth(5Y)15.92%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
NN pays out 73.42% of its income as dividend. This is not a sustainable payout ratio.
The dividend of NN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
AMS:NN (12/30/2025, 7:00:00 PM)
65.72
+0.38 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners58.47%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap17.68B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts78.33
Price Target66.63 (1.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.38% |
Yearly Dividend2.56
Dividend Growth(5Y)15.92%
DP73.42%
Div Incr Years6
Div Non Decr Years6
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)0.83%
PT rev (3m)5.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.15%
EPS NY rev (3m)-5.4%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.01 | ||
| Fwd PE | 8.15 | ||
| P/S | 1.39 | ||
| P/FCF | 93.54 | ||
| P/OCF | 71 | ||
| P/B | 0.82 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | 18.34 |
EPS(TTM)4.69
EY7.14%
EPS(NY)8.06
Fwd EY12.27%
FCF(TTM)0.7
FCFY1.07%
OCF(TTM)0.93
OCFY1.41%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number92.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 5.84% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.45% | ||
| ROICexgc | 0.59% | ||
| OM | 8.71% | ||
| PM (TTM) | 9.91% | ||
| GM | N/A | ||
| FCFM | 1.48% |
ROA(3y)0.67%
ROA(5y)0.8%
ROE(3y)6.62%
ROE(5y)6.79%
ROIC(3y)0.31%
ROIC(5y)0.56%
ROICexc(3y)0.32%
ROICexc(5y)0.58%
ROICexgc(3y)0.42%
ROICexgc(5y)0.75%
ROCE(3y)0.39%
ROCE(5y)0.7%
ROICexgc growth 3Y-14.7%
ROICexgc growth 5Y-8.18%
ROICexc growth 3Y-16.09%
ROICexc growth 5Y-9.11%
OM growth 3Y-1.79%
OM growth 5Y0.69%
PM growth 3Y-3.58%
PM growth 5Y9.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Debt/EBITDA | 10.56 | ||
| Cap/Depr | 40% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | 0.78 | ||
| Cash Conversion | 19.75% | ||
| Profit Quality | 14.95% | ||
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 | ||
| Altman-Z | 0.13 |
F-Score7
WACC8.18%
ROIC/WACC0.05
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.61%
EPS 3Y-18.74%
EPS 5Y-0.6%
EPS Q2Q%-40.45%
EPS Next Y-3.24%
EPS Next 2Y11.84%
EPS Next 3Y9.81%
EPS Next 5Y6.34%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.4%
EBIT growth 1Y62.43%
EBIT growth 3Y-20.73%
EBIT growth 5Y-11.93%
EBIT Next Year8.41%
EBIT Next 3Y3.51%
EBIT Next 5YN/A
FCF growth 1Y114.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.99%
OCF growth 3YN/A
OCF growth 5YN/A
NN GROUP NV / NN.AS FAQ
Can you provide the ChartMill fundamental rating for NN GROUP NV?
ChartMill assigns a fundamental rating of 5 / 10 to NN.AS.
What is the valuation status for NN stock?
ChartMill assigns a valuation rating of 4 / 10 to NN GROUP NV (NN.AS). This can be considered as Fairly Valued.
What is the profitability of NN stock?
NN GROUP NV (NN.AS) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (NN.AS) is 14.01 and the Price/Book (PB) ratio is 0.82.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 5 / 10.