Nuernberger Beteiligungs AG Class B (NBG6) AI Stock Analysis

• Market Cap: €1.38B
• Dividend Yield: 0.12%
• Average Volume (3M): 9.43K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.17
• Revenue Growth: -1.28%
• EPS Growth: -153.13%
• Country: DE
• Employees: 4,200
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 4.02
• Shares Outstanding: 11,520,000
• 10 Day Avg. Volume: 25,929
• 30 Day Avg. Volume: 9,434
• PEG Ratio: 0.02
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 0.10
• P/FCF Ratio: 4.71
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• 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.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market presence and effective sales strategies, enhancing long-term business sustainability.

Balance Sheet Strength

A strong balance sheet with low leverage provides financial stability and flexibility, allowing the company to navigate economic fluctuations.

Cash Flow Improvement

Improved free cash flow reflects efficient cash management, enhancing the company's ability to reinvest in growth opportunities and meet obligations.

Negative Factors

Profitability Challenges

Declining profitability and recent losses highlight operational inefficiencies, which could hinder long-term financial performance if not addressed.

Operational Efficiency

Operational inefficiencies can lead to increased costs and reduced margins, impacting the company's competitive position and profitability over time.

Cash Flow Volatility

Volatile cash flow can affect the company's ability to consistently fund operations and investments, posing a risk to financial stability and growth.

Nuernberger Beteiligungs AG Class B Business Overview & Revenue Model

Company Description

NÜRNBERGER 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 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.99B	5.36B	5.02B	4.03B	5.44B	4.35B
Gross Profit	3.93B	5.36B	4.66B	2.23B	5.69B	4.35B
EBITDA	24.09M	0.00	0.00	56.12M	89.00M	138.58M
Net Income	-8.37M	-78.52M	41.73M	69.14M	63.00M	77.37M
Balance Sheet
Total Assets	36.62B	36.65B	34.99B	33.65B	35.87B	33.62B
Cash, Cash Equivalents and Short-Term Investments	0.00	658.13M	670.08M	652.89M	755.45M	654.79M
Total Debt	114.00M	114.62M	15.27M	19.08M	24.29M	23.60M
Total Liabilities	35.73B	35.80B	34.03B	32.68B	34.93B	32.71B
Stockholders Equity	875.90M	831.31M	950.13M	948.73M	916.28M	891.26M
Cash Flow
Free Cash Flow	-69.00K	116.53M	-144.73M	-485.59M	71.53M	-108.57M
Operating Cash Flow	5.16M	137.55M	-116.82M	-448.01M	114.89M	-70.16M
Investing Cash Flow	48.75M	-245.69M	45.96M	405.42M	164.18M	195.98M
Financing Cash Flow	96.41M	58.19M	-44.37M	-43.46M	-37.55M	-43.75M

Nuernberger Beteiligungs AG Class B Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 120.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:NBG6, the sentiment is Positive. The current price of 120 is below the 20-day moving average (MA) of 120.30, above the 50-day MA of 103.89, and above the 200-day MA of 64.72, indicating a bullish trend. The MACD of 3.69 indicates Positive momentum. The RSI at 77.22 is Negative, neither overbought nor oversold. The STOCH value of 41.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
TIMA	75 Outperform	€1.05B	25.03	19.37%	4.91%	52.25%	4.51%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ALV	67 Neutral	€136.02B	13.82	―	4.14%	25.33%	12.54%
TLX	67 Neutral	€27.53B	12.18	19.49%	2.41%	3.70%	24.02%
NBG6	65 Neutral	€1.38B	-165.06	-0.95%	0.12%	-1.28%	-153.13%
GLJ	63 Neutral	€674.19M	11.56	5.50%	2.54%	16.74%	-22.66%
PBB	53 Neutral	€546.78M	-2.52	-7.33%	3.32%	-14.47%	-542.84%