NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - AMS:NN - NL0010773842 - Common Stock
59.48 EUR
-0.2 (-0.34%)
Overall NN gets a fundamental rating of 5 out of 10. We evaluated NN against 43 industry peers in the Insurance industry. Both the profitability and the financial health of NN get a neutral evaluation. Nothing too spectacular is happening here. NN is not valued too expensively and it also shows a decent 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.
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
The Return On Assets of NN (0.61%) is worse than 79.07% of its industry peers.
NN has a Return On Equity of 5.84%. This is amonst the worse of the industry: NN underperforms 88.37% of its industry peers.
The Return On Invested Capital of NN (0.43%) is worse than 67.44% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NN is in line with the industry average of 2.22%.
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 62.79% of its industry peers.
NN's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 8.71%, NN is not doing good in the industry: 65.12% of the companies in the same industry are doing better.
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
NN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
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.
With an excellent Altman-Z score value of 0.13, NN belongs to the best of the industry, outperforming 81.40% of the companies in the same industry.
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.
The Debt to FCF ratio of NN (70.44) is worse than 79.07% of its industry peers.
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 60.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC8.05%
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's Current ratio of 2.16 is amongst the best of the industry. NN outperforms 93.02% of its industry peers.
A Quick Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.16, NN belongs to the best of the industry, outperforming 93.02% 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.
Measured over the past years, NN shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.60% on average per year.
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
The Earnings Per Share is expected to grow by 6.66% 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 2.19% on average per year.
EPS Next Y2.28%
EPS Next 2Y11.04%
EPS Next 3Y8.98%
EPS Next 5Y6.66%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.19%
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.
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 12.66.
62.79% of the companies in the same industry are more expensive than NN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of NN to the average of the S&P500 Index (27.08), we can say NN is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.48, the valuation of NN can be described as very cheap.
NN's Price/Forward Earnings ratio is rather cheap when compared to the industry. NN is cheaper than 90.70% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, NN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.66 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as NN.
Based on the Price/Free Cash Flow ratio, NN is valued a bit more expensive than the industry average as 76.74% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 84.66 | ||
| EV/EBITDA | 17.13 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)5.56
PEG (5Y)N/A
EPS Next 2Y11.04%
EPS Next 3Y8.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.01%, NN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.57, NN pays a better dividend. On top of this NN pays more dividend than 93.02% of the companies listed in the same industry.
NN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| 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
73.42% of the earnings are spent on dividend by NN. 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 2Y11.04%
EPS Next 3Y8.98%
AMS:NN (10/28/2025, 12:45:20 PM)
59.48
-0.2 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.87%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap16.00B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts75.83
Price Target64.16 (7.87%)
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)1.11%
PT rev (3m)6.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-6.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.66 | ||
| Fwd PE | 7.48 | ||
| P/S | 1.25 | ||
| P/FCF | 84.66 | ||
| P/OCF | 64.26 | ||
| P/B | 0.74 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | 17.13 |
EPS(TTM)4.7
EY7.9%
EPS(NY)7.95
Fwd EY13.36%
FCF(TTM)0.7
FCFY1.18%
OCF(TTM)0.93
OCFY1.56%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)5.56
PEG (5Y)N/A
Graham Number92.25
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
WACC8.05%
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 Y2.28%
EPS Next 2Y11.04%
EPS Next 3Y8.98%
EPS Next 5Y6.66%
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 5Y2.19%
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 12.66 and the Price/Book (PB) ratio is 0.74.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 6 / 10.