NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - AMS:NN - NL0010773842 - Common Stock
59.24 EUR
+0.38 (+0.65%)
NN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 40 industry peers in the Insurance industry. NN has only an average score on both its financial health and profitability. NN has a correct valuation and a medium growth rate. Finally NN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NN had positive earnings in the past year.
NN had a positive operating cash flow in the past year.
In the past 5 years NN has always been profitable.
In multiple years NN reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of NN (0.61%) is worse than 77.50% of its industry peers.
The Return On Equity of NN (5.84%) is worse than 85.00% of its industry peers.
With a Return On Invested Capital value of 0.43%, NN is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for NN is in line with the industry average of 2.28%.
The 3 year average ROIC (0.31%) for NN is below the current ROIC(0.43%), indicating increased profibility in the last year.
| 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
NN has a better Profit Margin (9.91%) than 65.00% of its industry peers.
In the last couple of years the Profit Margin of NN has grown nicely.
NN has a worse Operating Margin (8.71%) than 65.00% of its industry peers.
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.
The number of shares outstanding for NN has been reduced compared to 1 year ago.
NN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, NN has an improved debt to assets ratio.
2.2 Solvency
NN has an Altman-Z score of 0.13. This is a bad value and indicates that NN is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.13, NN is doing good in the industry, outperforming 77.50% of the companies in the same industry.
NN has a debt to FCF ratio of 70.44. This is a negative value and a sign of low solvency as NN would need 70.44 years to pay back of all of its debts.
With a Debt to FCF ratio value of 70.44, NN is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.62 indicates that NN is somewhat dependend on debt financing.
The Debt to Equity ratio of NN (0.62) is better than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.11%
2.3 Liquidity
A Current Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
NN has a Current ratio of 2.16. This is amongst the best in the industry. NN outperforms 95.00% 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.
Looking at the Quick ratio, with a value of 2.16, NN belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.16 | ||
| Quick Ratio | 2.16 |
3. Growth
3.1 Past
NN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.80%, which is quite good.
NN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.60% yearly.
The Revenue has been growing slightly by 1.39% in the past year.
The Revenue for NN have been decreasing by -12.53% on average. This is quite bad
EPS 1Y (TTM)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
Revenue 1Y (TTM)1.39%
Revenue growth 3Y-19.29%
Revenue growth 5Y-12.53%
Sales Q2Q%6.55%
3.2 Future
Based on estimates for the next years, NN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.27% on average per year.
NN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.15% yearly.
EPS Next Y7.69%
EPS Next 2Y10.17%
EPS Next 3Y8.59%
EPS Next 5Y8.27%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.15%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.60, which indicates a correct valuation of NN.
Based on the Price/Earnings ratio, NN is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
NN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
The Price/Forward Earnings ratio is 7.57, which indicates a rather cheap valuation of NN.
Based on the Price/Forward Earnings ratio, NN is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
NN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 7.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NN is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NN indicates a slightly more expensive valuation: NN is more expensive than 77.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 84.32 | ||
| EV/EBITDA | 17.04 |
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)1.64
PEG (5Y)N/A
EPS Next 2Y10.17%
EPS Next 3Y8.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.01%, NN is a good candidate for dividend investing.
NN's Dividend Yield is rather good when compared to the industry average which is at 4.48. NN pays more dividend than 85.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, NN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
5.2 History
On average, the dividend of NN grows each year by 15.91%, which is quite nice.
Dividend Growth(5Y)15.91%
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.
NN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.42%
EPS Next 2Y10.17%
EPS Next 3Y8.59%
AMS:NN (9/12/2025, 7:00:00 PM)
59.24
+0.38 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners52.27%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap15.94B
Analysts75
Price Target63.45 (7.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
Yearly Dividend2.56
Dividend Growth(5Y)15.91%
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)5.38%
PT rev (3m)16.17%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.82%
EPS NY rev (3m)-1.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.17%
Revenue NY rev (3m)-2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.6 | ||
| Fwd PE | 7.57 | ||
| P/S | 1.25 | ||
| P/FCF | 84.32 | ||
| P/OCF | 64 | ||
| P/B | 0.74 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | 17.04 |
EPS(TTM)4.7
EY7.93%
EPS(NY)7.82
Fwd EY13.2%
FCF(TTM)0.7
FCFY1.19%
OCF(TTM)0.93
OCFY1.56%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)1.64
PEG (5Y)N/A
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%
ROICexcg growth 3Y-14.7%
ROICexcg 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
WACC8.11%
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)10.8%
EPS 3Y-18.75%
EPS 5Y-0.6%
EPS Q2Q%-40.43%
EPS Next Y7.69%
EPS Next 2Y10.17%
EPS Next 3Y8.59%
EPS Next 5Y8.27%
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 5Y2.15%
EBIT growth 1Y62.43%
EBIT growth 3Y-20.73%
EBIT growth 5Y-11.93%
EBIT Next Year9.08%
EBIT Next 3Y4.46%
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