(NN) NN - Ratings and Ratios
Insurance, Banking, Pensions, Investments, Annuities
NN EPS (Earnings per Share)
NN Revenue
Description: NN NN
NN Group N.V. is a financial services company offering a diverse range of insurance and banking products across various geographies, including the Netherlands and international markets. The company operates through multiple segments, including life and non-life insurance, banking, and other related financial services, catering to a broad customer base that includes individuals, SMEs, and corporate clients.
The companys product portfolio encompasses life insurance products such as group and individual pensions, and non-life insurance products including motor, fire, and health insurance. Additionally, NN Group provides banking services like mortgage loans and savings products, as well as reinsurance services and retirement products. The distribution channels are varied, including tied agents, bancassurance partners, brokers, and direct channels, allowing the company to reach a wide audience.
From a financial performance perspective, key performance indicators (KPIs) such as the Solvency Capital Requirement (SCR) ratio, which is a measure of the companys capital adequacy, are crucial. As of the latest available data, NN Group has demonstrated a strong SCR ratio, indicating a robust capital position. The companys return on equity (RoE) stands at 7.31%, suggesting a reasonable return for shareholders, although this could be improved. The price-to-earnings (P/E) ratio is 10.02, and the forward P/E is 7.14, indicating the markets expectations for future earnings growth.
In terms of growth and profitability, NN Groups ability to maintain a competitive edge in the insurance and banking sectors will be crucial. The companys diversification across different product lines and geographies can help mitigate risks. Key metrics to watch include the net profit margin, the combined ratio for the non-life insurance segment, and the growth rate of the banking segments assets. The companys market capitalization stands at approximately 14.95 billion EUR, reflecting its significant presence in the financial services sector.
NN Stock Overview
| Market Cap in USD | 18,858m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception |
NN Stock Ratings
| Growth Rating | 83.2% |
| Fundamental | 47.6% |
| Dividend Rating | 80.4% |
| Return 12m vs S&P 500 | 21.3% |
| Analyst Rating | - |
NN Dividends
| Dividend Yield 12m | 6.83% |
| Yield on Cost 5y | 15.68% |
| Annual Growth 5y | 8.25% |
| Payout Consistency | 99.1% |
| Payout Ratio | 75.3% |
NN Growth Ratios
| Growth Correlation 3m | 89.4% |
| Growth Correlation 12m | 84.3% |
| Growth Correlation 5y | 69.2% |
| CAGR 5y | 20.71% |
| CAGR/Max DD 5y | 0.58 |
| Sharpe Ratio 12m | 1.94 |
| Alpha | 34.41 |
| Beta | 0.210 |
| Volatility | 26.48% |
| Current Volume | 496.4k |
| Average Volume 20d | 589.7k |
| Stop Loss | 57 (-3.1%) |
| Signal | 0.98 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (1.56b TTM) > 0 and > 6% of Revenue (6% = 757.2m TTM) |
| FCFTA -0.00 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 889.9% (prev -1418 %; Δ 2308 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.00 (>3.0%) and CFO -401.0m <= Net Income 1.56b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 167.9 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (270.1m) change vs 12m ago -2.17% (target <= -2.0% for YES) |
| Gross Margin 78.54% (prev 77.85%; Δ 0.70pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.03% (prev 4.72%; Δ 1.31pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.59 (EBITDA TTM -968.0m / Interest Expense TTM 1.31b) >= 6 (WARN >= 3) |
Altman Z'' 3.48
| (A) 0.53 = (Total Current Assets 112.98b - Total Current Liabilities 673.0m) / Total Assets 210.38b |
| (B) -0.01 = Retained Earnings (Balance) -2.94b / Total Assets 210.38b |
| (C) 0.00 = EBIT TTM 769.0m / Avg Total Assets 209.29b |
| (D) 0.00 = Book Value of Equity 32.0m / Total Liabilities 188.72b |
| Total Rating: 3.48 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.57
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -0.47% = -0.24 |
| 3. FCF Margin -3.18% = -1.19 |
| 4. Debt/Equity 0.57 = 2.34 |
| 5. Debt/Ebitda -12.61 = -2.50 |
| 6. ROIC - WACC -5.76% = -7.21 |
| 7. RoE 7.31% = 0.61 |
| 8. Rev. Trend 30.03% = 1.50 |
| 9. Rev. CAGR 54.38% = 2.50 |
| 10. EPS Trend 50.18% = 1.25 |
| 11. EPS CAGR 107.7% = 2.50 |
What is the price of NN shares?
Over the past week, the price has changed by -3.98%, over one month by +1.58%, over three months by +10.06% and over the past year by +41.90%.
Is NN a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NN is around 66.53 EUR . This means that NN is currently undervalued and has a potential upside of +13.11% (Margin of Safety).
Is NN a buy, sell or hold?
What are the forecasts/targets for the NN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 61.9 | 5.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 73.6 | 25.2% |
NN Fundamental Data Overview
Market Cap EUR = 16.19b (16.19b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 112.98b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.0855
P/E Forward = 7.764
P/S = 1.1201
P/B = 0.7484
P/EG = 0.7164
Beta = 0.629
Revenue TTM = 12.62b EUR
EBIT TTM = 769.0m EUR
EBITDA TTM = -968.0m EUR
Long Term Debt = 11.53b EUR (from longTermDebt, last quarter)
Short Term Debt = 673.0m EUR (from totalCurrentLiabilities, two quarters ago)
Debt = 12.20b EUR (Calculated: Short Term 673.0m + Long Term 11.53b)
Net Debt = 4.60b EUR (from netDebt column, last quarter)
Enterprise Value = -84.59b EUR (16.19b + Debt 12.20b - CCE 112.98b)
Interest Coverage Ratio = 0.59 (Ebit TTM 769.0m / Interest Expense TTM 1.31b)
FCF Yield = -0.47% (FCF TTM -401.0m / Enterprise Value -84.59b)
FCF Margin = -3.18% (FCF TTM -401.0m / Revenue TTM 12.62b)
Net Margin = 12.37% (Net Income TTM 1.56b / Revenue TTM 12.62b)
Gross Margin = 78.54% ((Revenue TTM 12.62b - Cost of Revenue TTM 2.71b) / Revenue TTM)
Tobins Q-Ratio = -2643 (set to none) (Enterprise Value -84.59b / Book Value Of Equity 32.0m)
Interest Expense / Debt = 10.73% (Interest Expense 1.31b / Debt 12.20b)
Taxrate = 17.25% (from yearly Income Tax Expense: 334.0m / 1.94b)
NOPAT = 636.3m (EBIT 769.0m * (1 - 17.25%))
Current Ratio = 167.9 (Total Current Assets 112.98b / Total Current Liabilities 673.0m)
Debt / Equity = 0.57 (Debt 12.20b / last Quarter total Stockholder Equity 21.57b)
Debt / EBITDA = -12.61 (Net Debt 4.60b / EBITDA -968.0m)
Debt / FCF = -30.43 (Debt 12.20b / FCF TTM -401.0m)
Total Stockholder Equity = 21.35b (last 4 quarters mean)
RoA = 0.74% (Net Income 1.56b, Total Assets 210.38b )
RoE = 7.31% (Net Income TTM 1.56b / Total Stockholder Equity 21.35b)
RoCE = 2.34% (Ebit 769.0m / (Equity 21.35b + L.T.Debt 11.53b))
RoIC = 1.92% (NOPAT 636.3m / Invested Capital 33.10b)
WACC = 7.69% (E(16.19b)/V(28.39b) * Re(6.79%)) + (D(12.20b)/V(28.39b) * Rd(10.73%) * (1-Tc(0.17)))
Shares Correlation 5-Years: -100.0 | Cagr: -3.69%
Discount Rate = 6.79% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -401.0m)
Revenue Correlation: 30.03 | Revenue CAGR: 54.38%
Rev Growth-of-Growth: 3.43
EPS Correlation: 50.18 | EPS CAGR: 107.7%
EPS Growth-of-Growth: -150.8