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Nuernberger Beteiligungs AG Class B (DE:NBG6)
XETRA:NBG6
Germany Market
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Nuernberger Beteiligungs AG Class B (NBG6) AI Stock Analysis

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DE:NBG6

Nuernberger Beteiligungs AG Class B

(XETRA:NBG6)

Rating:65Neutral
Price Target:
Nuernberger Beteiligungs AG's overall stock score reflects a stable financial position with challenges in profitability. The robust balance sheet offers financial flexibility, but the company needs to improve operational efficiency. Technical analysis suggests a cautious outlook with mixed signals, while valuation is bolstered by a high dividend yield despite negative earnings. Strategic improvements could enhance future prospects.

Nuernberger Beteiligungs AG Class B (NBG6) vs. iShares MSCI Germany ETF (EWG)

Nuernberger Beteiligungs AG Class B Business Overview & Revenue Model

Company DescriptionNÜRNBERGER Beteiligungs-AG operates as an insurance company in Germany. The company offers car, motorcycle, oldtimerversicherung, long-term care, protection, life, and pension insurance products; personal, pet owners, home and property owners, watersports, principal's, civil, and waters damage liability, as well as hunting insurance products; and content, homeowners, shell, house and wohnungsschutzbrief, and household glass insurance products. It also provides inshape, seeing and hearing, dental, travel, alternative medicine, around protection, hospitalization, sickness allowance, and private health insurance products; and musical instrument, horse transport, sport boat, luggage, security, valuables, and event insurance products. In addition, the company offers disability, dread disease, and accident insurance products; insurance products for kids and teens, and owners and employees; and invalidity and subsidy insurance products. Further, it provides glass, commercial building, and building services insurance products; building services breakdown, electronics, and photovoltaic insurance products; property damage and IT liability, and D & O insurance products; and intellectual property legal insurance products. Additionally, the company offers transportation, cargo, fleet, and carrier's liability, as well as car insurance products for car wholesalers and electricians; and multi-risk, exhibition, and business insurance products. It serves business customers in the pharmacy, construction, funeral home, heliwesen, wholesale, manufacturing, hotels, restaurants, agriculture, forestry, food trade, crafts, beauty, horse-holding facilities, IT service, and related trades industries, as well as operator of renewable energy plants, medium-sized enterprises, shippers, carriers, organizers, and chamber professions; and private customers. The company was founded in 1884 and is based in Nuremberg, Germany.
How the Company Makes MoneyNuernberger Beteiligungs AG generates revenue primarily through the sale of insurance policies across various segments, including life, health, and property and casualty insurance. The company earns premiums from policyholders, which constitute a major part of its income. Additionally, Nuernberger Beteiligungs AG invests the premiums collected in various financial instruments, which generates investment income and contributes to its overall earnings. The company's financial performance is further supported by its strategic partnerships, underwriting expertise, and risk management practices, which help optimize profitability and sustain its competitive position in the market.

Nuernberger Beteiligungs AG Class B Financial Statement Overview

Summary
Nuernberger Beteiligungs AG shows a stable financial structure with room for improvement in profitability and cash generation. While revenue growth is encouraging, the company faces challenges in maintaining profitability. The balance sheet remains robust with low leverage, providing financial flexibility. Strategic focus on enhancing operational efficiency could drive better financial outcomes in the future.
Income Statement
65
Positive
Nuernberger Beteiligungs AG's income statement reveals a mixed performance. The gross profit margin remains stable due to the total revenue and gross profit being equal. However, the net profit margin has declined significantly, with a recent net loss indicating profitability challenges. Revenue growth is positive, with a notable increase from previous years, but operating performance as reflected in EBIT margin has deteriorated. The company needs to address operational inefficiencies to improve profitability.
Balance Sheet
75
Positive
The balance sheet is relatively strong, with a low debt-to-equity ratio suggesting conservative leverage. Stockholders' equity has shown stability, enhancing the equity ratio. The company has maintained a solid asset base while effectively managing liabilities, providing a buffer against potential risks. Despite these strengths, the decline in stockholders' equity over the years is a concern.
Cash Flow
70
Positive
Cash flow analysis shows improvement in free cash flow, indicating better cash management, although operating cash flow has been inconsistent. The free cash flow to net income ratio reveals the company's ability to convert earnings into cash, which is a positive sign. However, historical fluctuations in cash flow metrics suggest potential volatility in cash generation.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue5.36B5.02B4.03B4.61B4.35B
Gross Profit5.36B5.02B4.03B4.61B4.35B
EBITDA0.000.000.00107.18M138.58M
Net Income-78.52M41.73M69.14M63.00M77.37M
Balance Sheet
Total Assets36.65B34.99B33.65B35.87B33.62B
Cash, Cash Equivalents and Short-Term Investments658.13M670.08M652.89M738.91M497.36M
Total Debt114.62M15.27M19.08M24.29M23.60M
Total Liabilities35.80B34.03B32.68B34.93B32.71B
Stockholders Equity831.31M950.13M948.73M916.28M891.26M
Cash Flow
Free Cash Flow116.53M-144.73M-485.59M71.53M-108.57M
Operating Cash Flow137.55M-116.82M-448.01M114.89M-70.16M
Investing Cash Flow-245.69M45.96M405.42M164.18M195.98M
Financing Cash Flow58.19M-44.37M-43.46M-37.55M-43.75M

Nuernberger Beteiligungs AG Class B Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price53.60
Price Trends
50DMA
51.54
Negative
100DMA
48.50
Positive
200DMA
48.78
Positive
Market Momentum
MACD
-0.07
Negative
RSI
49.01
Neutral
STOCH
74.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:NBG6, the sentiment is Neutral. The current price of 53.6 is above the 20-day moving average (MA) of 51.00, above the 50-day MA of 51.54, and above the 200-day MA of 48.78, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 49.01 is Neutral, neither overbought nor oversold. The STOCH value of 74.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:NBG6.

Nuernberger Beteiligungs AG Class B Peers Comparison

Overall Rating
UnderperformOutperform
Sector (69)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
69
Neutral
€15.55B11.9514.69%5.80%3.71%-2.29%
65
Neutral
€601.34M-8.82%0.28%3.71%-288.17%
€133.52B13.5416.56%
€707.34M10.852.52%
€763.46M11.085.75%
€31.25B15.4317.10%
€1.00B24.2017.24%5.15%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:NBG6
Nuernberger Beteiligungs AG Class B
53.60
-3.74
-6.52%
GB:0M6S
Allianz
357.59
115.69
47.83%
GB:0R9K
Deutsche Pfandbriefbank
5.38
0.54
11.16%
GB:0R97
GRENKE AG
17.09
-8.50
-33.22%
GB:0QA8
Talanx AG
122.57
60.00
95.89%
GB:0QJQ
ZEAL Network
46.60
10.92
30.61%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: May 01, 2025