(ASRNL) ASR Nederland - Overview
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0011872643
Stock:
Total Rating 53
Risk 33
Buy Signal -0.37
| Risk 5d forecast | |
|---|---|
| Volatility | 19.3% |
| Relative Tail Risk | -1.19% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.28 |
| Alpha | 21.63 |
| Character TTM | |
|---|---|
| Beta | 0.272 |
| Beta Downside | 0.344 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.40% |
| CAGR/Max DD | 1.33 |
Description: ASRNL ASR Nederland
ASR Nederland N.V. provides insurance, pensions, and mortgages products and services for consumers, entrepreneurs, and employers in the Netherlands. The company operates through five segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. It offers individual and group disability, as well as sickness leave; property and casualty, including motor, fire, liability, legal aid, travel and recreation, pet, and transport insurance; and health insurance, such as basic and supplementary health insurance. The company also provides pension products; Individual term life insurance; and funeral capital insurance. In addition, it is involved in the provision of asset management services, including investment property management, as well as managing of corporate bonds, government bonds, equities, and mortgages; bespoke investment solutions; manages non-listed sector funds, which invest in retail and residential properties, offices, real estate on science parks and rural property, as well as renewable energy sources comprising wind farms, solar parks, and estates; and develops investment strategies. Further, the company operates in the residential mortgage markets under a.s.r. and Aegon brands; specialised products for first-time buyers, potential customers who want to finance sustainable home modifications, and senior citizens. Additionally, it engages in the provision of distribution and other services, as well as customer and intermediary support services. The company sells its products under the a.s.r., Aegon, Loyalis, TKP, and wijzeringeldzaken brands. The company was formerly known as Fortis Verzekeringen Nederland N.V. and changed its name to ASR Nederland N.V. in October 2008. ASR Nederland N.V. was founded in 1720 and is headquartered in Utrecht, the Netherlands.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.94 > 1.0 |
| NWC/Revenue: 10.16% < 20% (prev 16.88%; Δ -6.72% < -1%) |
| CFO/TA 0.00 > 3% & CFO 486.0m > Net Income 1.47b |
| Net Debt (7.71b) to EBITDA (14.80b): 0.52 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (207.5m) vs 12m ago -11.93% < -2% |
| Gross Margin: 84.32% > 18% (prev 1.00%; Δ 8332 % > 0.5%) |
| Asset Turnover: 20.56% > 50% (prev 12.98%; Δ 7.58% > 0%) |
| Interest Coverage Ratio: 0.84 > 6 (EBITDA TTM 14.80b / Interest Expense TTM 9.88b) |
Altman Z'' 0.66
| A: 0.02 (Total Current Assets 3.06b - Total Current Liabilities 0.0) / Total Assets 142.15b |
| B: 0.03 (Retained Earnings 4.34b / Total Assets 142.15b) |
| C: 0.06 (EBIT TTM 8.31b / Avg Total Assets 146.46b) |
| D: 0.04 (Book Value of Equity 4.82b / Total Liabilities 133.53b) |
| Altman-Z'' Score: 0.66 = B |
Beneish M 1.00
| DSRI: 13.42 (Receivables 351.0m/17.0m, Revenue 30.11b/19.57b) |
| GMI: 1.19 (GM 84.32% / 100.1%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.92) |
| SGI: 1.54 (Revenue 30.11b / 19.57b) |
| TATA: 0.01 (NI 1.47b - CFO 486.0m) / TA 142.15b) |
| Beneish M-Score: 7.79 (Cap -4..+1) = D |
What is the price of ASRNL shares?
As of March 02, 2026, the stock is trading at EUR 61.44 with a total of 834,700 shares traded.
Over the past week, the price has changed by -1.51%, over one month by -1.19%, over three months by +5.86% and over the past year by +27.10%.
Over the past week, the price has changed by -1.51%, over one month by -1.19%, over three months by +5.86% and over the past year by +27.10%.
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 | 66.5 | 8.2% |
| Analysts Target Price | - | - |
ASRNL Fundamental Data Overview February 28, 2026
Market Cap USD = 15.24b (12.92b EUR * 1.1794 EUR.USD)
P/E Trailing = 13.5317
P/E Forward = 9.542
P/S = 0.7433
P/B = 1.198
Revenue TTM = 30.11b EUR
EBIT TTM = 8.31b EUR
EBITDA TTM = 14.80b EUR
Long Term Debt = 9.52b EUR (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 10.42b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.71b EUR (from netDebt column, last quarter)
Enterprise Value = 20.63b EUR (12.92b + Debt 10.42b - CCE 2.71b)
Interest Coverage Ratio = 0.84 (Ebit TTM 8.31b / Interest Expense TTM 9.88b)
EV/FCF = 48.32x (Enterprise Value 20.63b / FCF TTM 427.0m)
FCF Yield = 2.07% (FCF TTM 427.0m / Enterprise Value 20.63b)
FCF Margin = 1.42% (FCF TTM 427.0m / Revenue TTM 30.11b)
Net Margin = 4.87% (Net Income TTM 1.47b / Revenue TTM 30.11b)
Gross Margin = 84.32% ((Revenue TTM 30.11b - Cost of Revenue TTM 4.72b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 20.63b / Total Assets 142.15b)
Interest Expense / Debt = 28.44% (Interest Expense 2.96b / Debt 10.42b)
Taxrate = 18.18% (96.0m / 528.0m)
NOPAT = 6.80b (EBIT 8.31b * (1 - 18.18%))
Current Ratio = unknown (Total Current Assets 3.06b / Total Current Liabilities 0.0)
Debt / Equity = 1.21 (Debt 10.42b / totalStockholderEquity, last quarter 8.60b)
Debt / EBITDA = 0.52 (Net Debt 7.71b / EBITDA 14.80b)
Debt / FCF = 18.06 (Net Debt 7.71b / FCF TTM 427.0m)
Total Stockholder Equity = 9.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 1.47b / Total Assets 142.15b)
RoE = 15.64% (Net Income TTM 1.47b / Total Stockholder Equity 9.37b)
RoCE = 43.97% (EBIT 8.31b / Capital Employed (Equity 9.37b + L.T.Debt 9.52b))
RoIC = 35.54% (NOPAT 6.80b / Invested Capital 19.13b)
WACC = 14.22% (E(12.92b)/V(23.34b) * Re(6.92%) + D(10.42b)/V(23.34b) * Rd(28.44%) * (1-Tc(0.18)))
Discount Rate = 6.92% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -6.16%
[DCF] Terminal Value 47.86% ; FCFF base≈1.00b ; Y1≈658.1m ; Y5≈300.3m
[DCF] Fair Price = N/A (negative equity: EV 2.93b - Net Debt 7.71b = -4.78b; debt exceeds intrinsic value)
EPS Correlation: -25.07 | EPS CAGR: -37.87% | SUE: 0.58 | # QB: 0
Revenue Correlation: 70.92 | Revenue CAGR: 29.93% | SUE: 0.95 | # QB: 2
EPS current Year (2026-12-31): EPS=6.10 | Chg7d=+0.230 | Chg30d=+0.213 | Revisions Net=+1 | Growth EPS=-4.0% | Growth Revenue=+20.0%
EPS next Year (2027-12-31): EPS=6.06 | Chg7d=-0.074 | Chg30d=-0.087 | Revisions Net=+0 | Growth EPS=-0.7% | Growth Revenue=-6.7%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.6% (Discount Rate 7.9% - Earnings Yield 7.4%)
[Growth] Growth Spread = -7.2% (Analyst -6.7% - Implied 0.6%)
P/E Trailing = 13.5317
P/E Forward = 9.542
P/S = 0.7433
P/B = 1.198
Revenue TTM = 30.11b EUR
EBIT TTM = 8.31b EUR
EBITDA TTM = 14.80b EUR
Long Term Debt = 9.52b EUR (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 10.42b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.71b EUR (from netDebt column, last quarter)
Enterprise Value = 20.63b EUR (12.92b + Debt 10.42b - CCE 2.71b)
Interest Coverage Ratio = 0.84 (Ebit TTM 8.31b / Interest Expense TTM 9.88b)
EV/FCF = 48.32x (Enterprise Value 20.63b / FCF TTM 427.0m)
FCF Yield = 2.07% (FCF TTM 427.0m / Enterprise Value 20.63b)
FCF Margin = 1.42% (FCF TTM 427.0m / Revenue TTM 30.11b)
Net Margin = 4.87% (Net Income TTM 1.47b / Revenue TTM 30.11b)
Gross Margin = 84.32% ((Revenue TTM 30.11b - Cost of Revenue TTM 4.72b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 20.63b / Total Assets 142.15b)
Interest Expense / Debt = 28.44% (Interest Expense 2.96b / Debt 10.42b)
Taxrate = 18.18% (96.0m / 528.0m)
NOPAT = 6.80b (EBIT 8.31b * (1 - 18.18%))
Current Ratio = unknown (Total Current Assets 3.06b / Total Current Liabilities 0.0)
Debt / Equity = 1.21 (Debt 10.42b / totalStockholderEquity, last quarter 8.60b)
Debt / EBITDA = 0.52 (Net Debt 7.71b / EBITDA 14.80b)
Debt / FCF = 18.06 (Net Debt 7.71b / FCF TTM 427.0m)
Total Stockholder Equity = 9.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 1.47b / Total Assets 142.15b)
RoE = 15.64% (Net Income TTM 1.47b / Total Stockholder Equity 9.37b)
RoCE = 43.97% (EBIT 8.31b / Capital Employed (Equity 9.37b + L.T.Debt 9.52b))
RoIC = 35.54% (NOPAT 6.80b / Invested Capital 19.13b)
WACC = 14.22% (E(12.92b)/V(23.34b) * Re(6.92%) + D(10.42b)/V(23.34b) * Rd(28.44%) * (1-Tc(0.18)))
Discount Rate = 6.92% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -6.16%
[DCF] Terminal Value 47.86% ; FCFF base≈1.00b ; Y1≈658.1m ; Y5≈300.3m
[DCF] Fair Price = N/A (negative equity: EV 2.93b - Net Debt 7.71b = -4.78b; debt exceeds intrinsic value)
EPS Correlation: -25.07 | EPS CAGR: -37.87% | SUE: 0.58 | # QB: 0
Revenue Correlation: 70.92 | Revenue CAGR: 29.93% | SUE: 0.95 | # QB: 2
EPS current Year (2026-12-31): EPS=6.10 | Chg7d=+0.230 | Chg30d=+0.213 | Revisions Net=+1 | Growth EPS=-4.0% | Growth Revenue=+20.0%
EPS next Year (2027-12-31): EPS=6.06 | Chg7d=-0.074 | Chg30d=-0.087 | Revisions Net=+0 | Growth EPS=-0.7% | Growth Revenue=-6.7%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 0.6% (Discount Rate 7.9% - Earnings Yield 7.4%)
[Growth] Growth Spread = -7.2% (Analyst -6.7% - Implied 0.6%)