Nuernberger Beteiligungs AG Class B (NBG6) AI Stock Analysis

• Market Cap: €585.22M
• Dividend Yield: 0.28%
• Average Volume (3M): 907.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.37
• Revenue Growth: 3.71%
• EPS Growth: -288.17%
• Country: DE
• Employees: 4,200
• Sector: Financial
• Sector Strength: 75
• Industry: Insurance - Diversified
• EPS (TTM): -4.74
• Shares Outstanding: 11,520,000
• 10 Day Avg. Volume: 980
• 30 Day Avg. Volume: 907
• PEG Ratio: 1.28
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.77
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• 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 Business Overview & Revenue Model

Company Description

Nuernberger Beteiligungs AG Class B (NBG6) is a Germany-based insurance company that provides a wide range of insurance products and financial services. The company operates predominantly in the insurance sector, offering life insurance, health insurance, property and casualty insurance, and pension plans. With a strong presence in the German market, Nuernberger Beteiligungs AG caters to both individual and corporate clients, ensuring comprehensive coverage and financial security solutions.

How the Company Makes Money

Nuernberger 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

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

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

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.36B	5.02B	4.03B	4.61B	4.35B
Gross Profit	5.36B	5.02B	4.03B	4.61B	4.35B
EBITDA	0.00	0.00	0.00	107.18M	138.58M
Net Income	-78.52M	41.73M	69.14M	63.00M	77.37M
Balance Sheet
Total Assets	36.65B	34.99B	33.65B	35.87B	33.62B
Cash, Cash Equivalents and Short-Term Investments	658.13M	670.08M	652.89M	738.91M	497.36M
Total Debt	114.62M	15.27M	19.08M	24.29M	23.60M
Total Liabilities	35.80B	34.03B	32.68B	34.93B	32.71B
Stockholders Equity	831.31M	950.13M	948.73M	916.28M	891.26M
Cash Flow
Free Cash Flow	116.53M	-144.73M	-485.59M	71.53M	-108.57M
Operating Cash Flow	137.55M	-116.82M	-448.01M	114.89M	-70.16M
Investing Cash Flow	-245.69M	45.96M	405.42M	164.18M	195.98M
Financing Cash Flow	58.19M	-44.37M	-43.46M	-37.55M	-43.75M

Nuernberger Beteiligungs AG Class B Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 51.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 51 is below the 20-day moving average (MA) of 51.03, below the 50-day MA of 51.67, and above the 200-day MA of 48.93, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 48.25 is Neutral, neither overbought nor oversold. The STOCH value of 25.40 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DBSDY	77 Outperform	$101.69B	12.16	17.99%	3.83%	13.61%	12.53%
HNR1	76 Outperform	€31.64B	14.06	19.63%	3.43%	9.68%	18.57%
MUV2	70 Neutral	€74.44B	13.39	18.25%	3.51%	6.63%	26.20%
Sector *	65 Neutral	€8.87B	12.49	6.47%	3.84%	14.85%	6.12%
NBG6	65 Neutral	€585.22M	―	-8.82%	0.28%	3.71%	-288.17%
WUW	64 Neutral	€1.29B	37.74	0.69%	4.70%	4.19%	-75.44%