(ASRNL) ASR Nederland - Ratings and Ratios
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0011872643
Insurance, Pension, Mortgage, Asset Management, Health
| Risk via 10d forecast | |
|---|---|
| Volatility | 18.7% |
| Value at Risk 5%th | 29.3% |
| Relative Tail Risk | -4.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.73 |
| Alpha | 33.13 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.489 |
| Beta | -0.016 |
| Beta Downside | 0.024 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.44% |
| Mean DD | 5.07% |
| Median DD | 3.95% |
Description: ASRNL ASR Nederland October 31, 2025
ASR Nederland N.V. is a Dutch insurer that offers a broad suite of products-including non-life, life, pension, health, and mortgage solutions-through five operating segments: Non-Life, Life, Asset Management, Distribution & Services, and Holding & Other. Its brands (a.s.r., Aegon, Loyalis, TKP, and wijzeringeldzaken) serve individuals, entrepreneurs, and employers, covering everything from motor and travel insurance to bespoke investment funds in real-estate and renewable energy.
Recent data (2023) shows ASR’s combined ratio in the Non-Life segment at 94.5%, indicating underwriting profitability, while its total assets under management grew 6% year-over-year, driven by rising demand for sustainable real-estate assets. The Dutch insurance market is currently expanding at roughly 3% CAGR, supported by low unemployment and a regulatory push toward higher capital buffers, which could pressure earnings if interest rates remain volatile.
For a deeper quantitative view of ASR’s valuation and risk profile, the ValueRay platform offers a data-rich dashboard that can help you test your own assumptions.
ASRNL Stock Overview
| Market Cap in USD | 14,099m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception | |
| Return 12m vs S&P 500 | 21.7% |
| Analyst Rating | - |
ASRNL Dividends
| Dividend Yield | 5.52% |
| Yield on Cost 5y | 13.86% |
| Yield CAGR 5y | 40.60% |
| Payout Consistency | 90.8% |
| Payout Ratio | 75.8% |
ASRNL Growth Ratios
| CAGR 3y | 18.32% |
| CAGR/Max DD Calmar Ratio | 0.85 |
| CAGR/Mean DD Pain Ratio | 3.62 |
| Current Volume | 349.2k |
| Average Volume | 319.8k |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (1.56b TTM) > 0 and > 6% of Revenue (6% = 1.14b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 5.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.04 (>3.0%) and CFO 5.37b > Net Income 1.56b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (206.6m) change vs 12m ago -12.31% (target <= -2.0% for YES) |
| Gross Margin 69.35% (prev 96.71%; Δ -27.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.06% (prev 4.89%; Δ 8.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.25 (EBITDA TTM -2.50b / Interest Expense TTM 2.74b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 51.63
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 61.38% = 5.0 |
| 3. FCF Margin 27.95% = 6.99 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda -2.41 = -2.50 |
| 6. ROIC - WACC (= -8.66)% = -10.83 |
| 7. RoE 16.73% = 1.39 |
| 8. Rev. Trend 45.32% = 3.40 |
| 9. EPS Trend -16.57% = -0.83 |
What is the price of ASRNL shares?
As of November 16, 2025, the stock is trading at EUR 58.50 with a total of 349,231 shares traded.
Over the past week, the price has changed by +2.24%, over one month by +0.17%, over three months by -1.98% and over the past year by +39.50%.
Over the past week, the price has changed by +2.24%, over one month by +0.17%, over three months by -1.98% and over the past year by +39.50%.
Is ASR Nederland a good stock to buy?
Neither. Based on ValueRay´s Fundamental Analyses, ASR Nederland is currently (November 2025)
neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 51.63 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ASRNL is around 69.47 EUR . This means that ASRNL is currently undervalued and has a potential upside of +18.75% (Margin of Safety).
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ASRNL is around 69.47 EUR . This means that ASRNL is currently undervalued and has a potential upside of +18.75% (Margin of Safety).
Is ASRNL a buy, sell or hold?
ASR Nederland has no consensus analysts rating.
What are the forecasts/targets for the ASRNL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61.6 | 5.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 75.7 | 29.4% |
ASRNL Fundamental Data Overview January 01, 1970
Market Cap USD = 14.10b (12.16b EUR * 1.159 EUR.USD)
Market Cap EUR = 12.16b (12.16b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.7309
P/E Forward = 9.542
P/S = 0.7433
P/B = 1.198
Beta = 0.532
Revenue TTM = 19.05b EUR
EBIT TTM = -673.5m EUR
EBITDA TTM = -2.50b EUR
Long Term Debt = 9.52b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 6.03b EUR (from netDebt column, last quarter)
Enterprise Value = 8.68b EUR (12.16b + (null Debt) - CCE 3.49b)
Interest Coverage Ratio = -0.25 (Ebit TTM -673.5m / Interest Expense TTM 2.74b)
FCF Yield = 61.38% (FCF TTM 5.33b / Enterprise Value 8.68b)
FCF Margin = 27.95% (FCF TTM 5.33b / Revenue TTM 19.05b)
Net Margin = 8.17% (Net Income TTM 1.56b / Revenue TTM 19.05b)
Gross Margin = 69.35% ((Revenue TTM 19.05b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = 95.47% (prev 3.89%)
Tobins Q-Ratio = 0.06 (Enterprise Value 8.68b / Total Assets 141.01b)
Interest Expense / Debt = unknown (Interest Expense 1.95b / Debt none)
Taxrate = 20.28% (188.0m / 927.0m)
NOPAT = -536.9m (EBIT -673.5m * (1 - 20.28%)) [loss with tax shield]
Current Ratio = unknown (Total Current Assets 6.28b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -2.41 (negative EBITDA) (Net Debt 6.03b / EBITDA -2.50b)
Debt / FCF = 1.13 (Net Debt 6.03b / FCF TTM 5.33b)
Total Stockholder Equity = 9.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 1.56b / Total Assets 141.01b)
RoE = 16.73% (Net Income TTM 1.56b / Total Stockholder Equity 9.31b)
RoCE = -3.58% (EBIT -673.5m / Capital Employed (Equity 9.31b + L.T.Debt 9.52b))
RoIC = -2.70% (negative operating profit) (NOPAT -536.9m / Invested Capital 19.88b)
WACC = 5.96% (E(12.16b)/V(12.16b) * Re(5.96%) + (debt-free company))
Discount Rate = 5.96% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 31.72%
[DCF Debug] Terminal Value 78.36% ; FCFE base≈5.33b ; Y1≈5.35b ; Y5≈5.73b
Fair Price DCF = 490.5 (DCF Value 101.35b / Shares Outstanding 206.6m; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: -16.57 | EPS CAGR: -47.34% | SUE: 0.58 | # QB: 0
Revenue Correlation: 45.32 | Revenue CAGR: 30.79% | SUE: 3.35 | # QB: 4
Market Cap EUR = 12.16b (12.16b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.7309
P/E Forward = 9.542
P/S = 0.7433
P/B = 1.198
Beta = 0.532
Revenue TTM = 19.05b EUR
EBIT TTM = -673.5m EUR
EBITDA TTM = -2.50b EUR
Long Term Debt = 9.52b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 6.03b EUR (from netDebt column, last quarter)
Enterprise Value = 8.68b EUR (12.16b + (null Debt) - CCE 3.49b)
Interest Coverage Ratio = -0.25 (Ebit TTM -673.5m / Interest Expense TTM 2.74b)
FCF Yield = 61.38% (FCF TTM 5.33b / Enterprise Value 8.68b)
FCF Margin = 27.95% (FCF TTM 5.33b / Revenue TTM 19.05b)
Net Margin = 8.17% (Net Income TTM 1.56b / Revenue TTM 19.05b)
Gross Margin = 69.35% ((Revenue TTM 19.05b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = 95.47% (prev 3.89%)
Tobins Q-Ratio = 0.06 (Enterprise Value 8.68b / Total Assets 141.01b)
Interest Expense / Debt = unknown (Interest Expense 1.95b / Debt none)
Taxrate = 20.28% (188.0m / 927.0m)
NOPAT = -536.9m (EBIT -673.5m * (1 - 20.28%)) [loss with tax shield]
Current Ratio = unknown (Total Current Assets 6.28b / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -2.41 (negative EBITDA) (Net Debt 6.03b / EBITDA -2.50b)
Debt / FCF = 1.13 (Net Debt 6.03b / FCF TTM 5.33b)
Total Stockholder Equity = 9.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 1.56b / Total Assets 141.01b)
RoE = 16.73% (Net Income TTM 1.56b / Total Stockholder Equity 9.31b)
RoCE = -3.58% (EBIT -673.5m / Capital Employed (Equity 9.31b + L.T.Debt 9.52b))
RoIC = -2.70% (negative operating profit) (NOPAT -536.9m / Invested Capital 19.88b)
WACC = 5.96% (E(12.16b)/V(12.16b) * Re(5.96%) + (debt-free company))
Discount Rate = 5.96% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 31.72%
[DCF Debug] Terminal Value 78.36% ; FCFE base≈5.33b ; Y1≈5.35b ; Y5≈5.73b
Fair Price DCF = 490.5 (DCF Value 101.35b / Shares Outstanding 206.6m; 5y FCF grow 0.0% → 3.0% )
EPS Correlation: -16.57 | EPS CAGR: -47.34% | SUE: 0.58 | # QB: 0
Revenue Correlation: 45.32 | Revenue CAGR: 30.79% | SUE: 3.35 | # QB: 4