ASR Nederland N.V (ASRNL) AI Stock Analysis

• Market Cap: €11.73B
• Dividend Yield: 8.28%
• Average Volume (3M): 408.08K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.56
• Revenue Growth: 23.70%
• EPS Growth: -26.24%
• Country: NL
• Employees: 4,294
• Sector: Utilities
• Sector Strength: 65
• Industry: Insurance - Diversified
• EPS (TTM): 3.56
• Shares Outstanding: 211,326,980
• 10 Day Avg. Volume: 369,332
• 30 Day Avg. Volume: 408,084
• PEG Ratio: -0.37
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -5.22
• 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: €58.96
• Price Target Upside: 5.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 72 Outperform
• Price Target: ―

ASR Nederland N.V. demonstrates strong financial potential with solid revenue growth and an attractive dividend yield. However, the increase in leverage and recent negative cash flow are concerns. Technically, the stock shows strong upward momentum, which could be appealing to investors despite potential overbought conditions.

ASR Nederland N.V Business Overview & Revenue Model

Company Description

ASR Nederland N.V. (ASRNL) is a leading insurance group based in the Netherlands, offering a comprehensive range of financial products and services. The company operates in various sectors, including life insurance, non-life insurance, and asset management. ASRNL provides solutions for individuals, businesses, and institutions, focusing on delivering value through customer-centric services and sustainable practices.

How the Company Makes Money

ASR Nederland N.V. generates revenue primarily through the premiums collected from its insurance products, which include life, health, property, and casualty insurance. The company also earns income from its asset management division, managing investments on behalf of clients and generating fees based on assets under management. Additionally, ASRNL benefits from investment income, leveraging its large portfolio of assets to earn returns that contribute to its overall profitability. Strategic partnerships and distribution agreements with financial institutions and brokers enhance its market reach and sales efficiency, further supporting revenue growth.

ASR Nederland N.V Financial Statement Overview

Summary

ASR Nederland N.V. exhibits strong revenue growth and a solid asset base, crucial for long-term success. However, increasing leverage and declining cash flows pose significant challenges. While the company shows potential for profitability, maintaining consistent earnings and improving cash flow stability are critical for future resilience.

Income Statement

ASR Nederland N.V. has shown strong revenue growth over recent years, with a notable increase in total revenue from €5.21 billion in 2022 to €20.64 billion in 2024, reflecting a robust growth trajectory. The gross profit margin remains consistent, and net profit margin was healthy in 2024 at approximately 4.28%. However, the EBIT margin has fluctuated, and the decrease in net income from 2023 to 2024 poses a risk. Overall, the company exhibits solid revenue generation capabilities but faces challenges in maintaining consistent profitability.

Balance Sheet

The company's debt-to-equity ratio increased over the years, indicating higher leverage, with a rise in total debt from €4.46 billion in 2022 to €10.69 billion in 2024. The equity ratio decreased slightly, showing reasonable strength in asset coverage. The return on equity is moderate at around 9.02% in 2024. While the company's asset base has expanded, the increasing liabilities and relatively high leverage pose potential risks to financial stability.

Cash Flow

Operating cash flow turned negative in 2024, moving from a positive €3.58 billion in 2023 to negative €699 million in 2024, indicating potential cash management challenges. Free cash flow also declined, reflecting pressure on cash generation. The free cash flow to net income ratio worsened, showcasing inefficiencies in cash conversion. Despite prior years' positive cash flows, the recent downturn highlights concerns that require strategic attention.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	20.64B	12.76B	-10.55B	9.82B	7.51B
Gross Profit	20.64B	12.68B	-10.55B	9.82B	7.51B
EBITDA	5.27B	4.07B	-1.86B	1.57B	1.14B
Net Income	883.00M	1.04B	-1.76B	894.00M	609.00M
Balance Sheet
Total Assets	138.59B	150.77B	61.90B	74.03B	77.15B
Cash, Cash Equivalents and Short-Term Investments	4.19B	5.09B	4.29B	32.64B	36.62B
Total Debt	10.69B	12.90B	4.46B	6.92B	9.04B
Total Liabilities	128.76B	141.39B	55.72B	67.66B	70.84B
Stockholders Equity	9.79B	8.34B	6.15B	7.37B	6.31B
Cash Flow
Free Cash Flow	-724.00M	3.55B	-1.15B	-189.00M	339.00M
Operating Cash Flow	-699.00M	3.58B	-961.00M	198.00M	354.00M
Investing Cash Flow	-1.94B	2.21B	-202.00M	-463.00M	-47.00M
Financing Cash Flow	-1.08B	-130.00M	1.10B	-292.00M	-399.00M

ASR Nederland N.V Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 56.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:ASRNL, the sentiment is Positive. The current price of 56.06 is above the 20-day moving average (MA) of 55.36, above the 50-day MA of 55.04, and above the 200-day MA of 47.88, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 61.95 is Neutral, neither overbought nor oversold. The STOCH value of 89.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NL:ASRNL.

ASR Nederland N.V Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NN	73 Outperform	€14.39B	10.00	7.69%	7.67%	-5.38%	38.01%
ASRNL	72 Outperform	€11.73B	13.39	11.73%	8.28%	23.70%	-26.24%
Sector *	66 Neutral	€3.53B	14.10	3.63%	6.30%	12.66%	-2.63%
AGN	61 Neutral	€9.51B	14.56	9.26%	5.32%	-5.08%	―