NN GROUP NV (NN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:NN - NL0010773842 - Common Stock
60.62 EUR
-0.3 (-0.49%)
Overall NN gets a fundamental rating of 5 out of 10. We evaluated NN against 43 industry peers in the Insurance industry. While NN seems to be doing ok healthwise, there are quite some concerns on its profitability. 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
NN had positive earnings in the past year.
In the past year NN had a positive cash flow from operations.
Each year in the past 5 years NN has 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
Looking at the Return On Assets, with a value of 0.61%, NN is doing worse than 72.50% of the companies in the same industry.
NN's Return On Equity of 5.84% is on the low side compared to the rest of the industry. NN is outperformed by 82.50% of its industry peers.
The Return On Invested Capital of NN (0.43%) is worse than 62.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for NN is below the industry average of 2.35%.
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 65.00% of the companies in the same industry.
In the last couple of years the Profit Margin of NN has grown nicely.
NN has a worse Operating Margin (8.71%) than 60.00% of its industry peers.
In the last couple of years the Operating Margin of NN has remained more or less at the same level.
| 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.
Compared to 1 year ago, NN has less shares outstanding
The number of shares outstanding for NN has been reduced compared to 5 years ago.
NN has a better debt/assets ratio than last year.
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.
NN's Altman-Z score of 0.13 is fine compared to the rest of the industry. NN outperforms 77.50% 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.
Looking at the Debt to FCF ratio, with a value of 70.44, NN is doing worse than 72.50% of the companies in the same industry.
NN has a Debt/Equity ratio of 0.62. This is a neutral value indicating NN is somewhat dependend on debt financing.
The Debt to Equity ratio of NN (0.62) is better than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 70.44 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.05
WACC7.9%
2.3 Liquidity
A Current Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.16, NN belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
A Quick Ratio of 2.16 indicates that NN has no problem at all paying its short term obligations.
The Quick ratio of NN (2.16) is better than 95.00% of its industry peers.
| 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.
The Earnings Per Share has been decreasing by -0.60% on average over the past years.
Looking at the last year, NN shows a small growth in Revenue. The Revenue has grown by 1.39% in the last year.
Measured over the past years, NN shows a very negative growth in Revenue. The Revenue has been decreasing by -12.53% on average per year.
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
NN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
Based on estimates for the next years, NN will show a small growth in Revenue. The Revenue will grow by 2.39% on average per year.
EPS Next Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
EPS Next 5Y6.34%
Revenue Next Year0.22%
Revenue Next 2Y1.88%
Revenue Next 3Y2.5%
Revenue Next 5Y2.39%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 12.90, which indicates a correct valuation of NN.
NN's Price/Earnings ratio is a bit cheaper when compared to the industry. NN is cheaper than 62.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, NN is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 7.66, the valuation of NN can be described as very cheap.
Based on the Price/Forward Earnings ratio, NN is valued cheaper than 87.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. NN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 7.66 |
4.2 Price Multiples
NN's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, NN is valued a bit more expensive than the industry average as 72.50% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 86.28 | ||
| EV/EBITDA | 17.4 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.82%
EPS Next 3Y8.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.81%, NN is a good candidate for dividend investing.
NN's Dividend Yield is rather good when compared to the industry average which is at 4.64. NN pays more dividend than 85.00% of the companies in the same industry.
NN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
5.2 History
The dividend of NN is nicely growing with an annual growth rate of 15.91%!
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 2Y10.82%
EPS Next 3Y8.86%
AMS:NN (11/21/2025, 7:00:00 PM)
60.62
-0.3 (-0.49%)
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 Cap16.31B
Revenue(TTM)12.76B
Net Income(TTM)1.26B
Analysts77.5
Price Target66.08 (9.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
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)0.12%
PT rev (3m)6.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.32%
EPS NY rev (3m)-9.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 7.66 | ||
| P/S | 1.28 | ||
| P/FCF | 86.28 | ||
| P/OCF | 65.49 | ||
| P/B | 0.75 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | 17.4 |
EPS(TTM)4.7
EY7.75%
EPS(NY)7.91
Fwd EY13.06%
FCF(TTM)0.7
FCFY1.16%
OCF(TTM)0.93
OCFY1.53%
SpS47.42
BVpS80.46
TBVpS75.96
PEG (NY)N/A
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
WACC7.9%
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 Y-1.12%
EPS Next 2Y10.82%
EPS Next 3Y8.86%
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 5Y2.39%
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 3 / 10.
Can you provide the PE and PB ratios for NN stock?
The Price/Earnings (PE) ratio for NN GROUP NV (NN.AS) is 12.9 and the Price/Book (PB) ratio is 0.75.
Can you provide the financial health for NN stock?
The financial health rating of NN GROUP NV (NN.AS) is 6 / 10.