(NN) NN - Ratings and Ratios
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0010773842
Life Insurance, Non-Life Insurance, Banking, Pensions, Investment
NN EPS (Earnings per Share)
NN Revenue
Description: NN NN October 30, 2025
NN Group N.V. (ticker NN) is a Dutch-based financial services firm offering a broad suite of life and non-life insurance, banking, and pension products. Its operations are organized into six segments-Netherlands Life, Netherlands Non-Life, Insurance Europe, Japan Life, Banking, and Other-serving individuals, SMEs, and corporates through tied agents, bancassurance partners, brokers, and direct channels. The company traces its roots to 1845 and rebranded from ING Insurance Topholding in 2014.
Key performance indicators that analysts watch include the combined ratio for non-life insurance (currently around 95 % in Q2 2024, indicating underwriting profitability) and the embedded value (EV) growth rate for the life business, which has risen 3-4 % YoY driven by higher pension fund inflows. A sector driver is the low-interest-rate environment in Europe, pressuring investment income and prompting NN to expand fee-based savings and annuity products. Additionally, the Dutch regulatory framework (Solvency II) sets a capital adequacy floor that influences the firm’s reinsurance strategy and capital allocation decisions.
If you want a deeper quantitative view of NN Group’s valuation dynamics, a quick look at ValueRay’s analytical dashboard can help you spot any pricing discrepancies before they widen.
NN Stock Overview
| Market Cap in USD | 18,083m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception |
NN Stock Ratings
| Growth Rating | 91.4% |
| Fundamental | 52.2% |
| Dividend Rating | 73.8% |
| Return 12m vs S&P 500 | 15.9% |
| Analyst Rating | - |
NN Dividends
| Dividend Yield 12m | 5.91% |
| Yield on Cost 5y | 15.55% |
| Annual Growth 5y | 10.42% |
| Payout Consistency | 99.1% |
| Payout Ratio | 75.3% |
NN Growth Ratios
| Growth Correlation 3m | -7.1% |
| Growth Correlation 12m | 95.3% |
| Growth Correlation 5y | 69.1% |
| CAGR 5y | 23.16% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.00 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.83 |
| Sharpe Ratio 12m | 2.58 |
| Alpha | 26.70 |
| Beta | 0.633 |
| Volatility | 18.45% |
| Current Volume | 437.3k |
| Average Volume 20d | 437.3k |
| Stop Loss | 58.1 (-3.1%) |
| Signal | 0.53 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| 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 924.3% (prev 62.50%; Δ 861.8pp) (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 -30.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (264.9m) change vs 12m ago -3.23% (target <= -2.0% for YES) |
| Gross Margin 63.57% (prev 77.85%; Δ -14.28pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.14% (prev 4.79%; Δ 1.35pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.94 (EBITDA TTM -968.0m / Interest Expense TTM 1.31b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 52.18
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -2.06% = -1.03 |
| 3. FCF Margin -3.18% = -1.19 |
| 4. Debt/Equity 0.53 = 2.36 |
| 5. Debt/Ebitda -5.49 = -2.50 |
| 6. ROIC - WACC (= 4.12)% = 5.15 |
| 7. RoE 7.27% = 0.61 |
| 8. Rev. Trend 30.03% = 2.25 |
| 9. EPS Trend -19.45% = -0.97 |
What is the price of NN shares?
As of November 06, 2025, the stock is trading at EUR 59.94 with a total of 437,261 shares traded.
Over the past week, the price has changed by +0.00%, over one month by +2.15%, over three months by +4.19% and over the past year by +38.96%.
Over the past week, the price has changed by +0.00%, over one month by +2.15%, over three months by +4.19% and over the past year by +38.96%.
Is NN a good stock to buy?
Neither. Based on ValueRay´s Fundamental Analyses, NN is currently (November 2025)
neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 52.18 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NN is around 68.01 EUR . This means that NN is currently undervalued and has a potential upside of +13.46% (Margin of Safety).
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NN is around 68.01 EUR . This means that NN is currently undervalued and has a potential upside of +13.46% (Margin of Safety).
Is NN a buy, sell or hold?
NN has no consensus analysts rating.
What are the forecasts/targets for the NN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 64 | 6.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 76.1 | 27% |
NN Fundamental Data Overview January 01, 1970
Market Cap USD = 18.08b (15.69b EUR * 1.1525 EUR.USD)
Market Cap EUR = 15.69b (15.69b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.7222
P/E Forward = 7.1942
P/S = 1.0855
P/B = 0.721
P/EG = 0.7164
Beta = 0.633
Revenue TTM = 12.62b EUR
EBIT TTM = 5.16b EUR
EBITDA TTM = -968.0m EUR
Long Term Debt = 13.08b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 11.53b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 5.32b EUR (from netDebt column, last quarter)
Enterprise Value = 19.46b EUR (15.69b + Debt 11.53b - CCE 7.76b)
Interest Coverage Ratio = 3.94 (Ebit TTM 5.16b / Interest Expense TTM 1.31b)
FCF Yield = -2.06% (FCF TTM -401.0m / Enterprise Value 19.46b)
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 = 63.57% ((Revenue TTM 12.62b - Cost of Revenue TTM 4.60b) / Revenue TTM)
Gross Margin QoQ = 75.35% (prev 75.35%)
Tobins Q-Ratio = 0.09 (Enterprise Value 19.46b / Total Assets 206.11b)
Interest Expense / Debt = 11.35% (Interest Expense 1.31b / Debt 11.53b)
Taxrate = 15.11% (84.0m / 556.0m)
NOPAT = 4.38b (EBIT 5.16b * (1 - 15.11%))
Current Ratio = unknown (Total Current Assets 112.98b / Total Current Liabilities -3.67b)
Debt / Equity = 0.53 (Debt 11.53b / totalStockholderEquity, last quarter 21.64b)
Debt / EBITDA = -5.49 (negative EBITDA) (Net Debt 5.32b / EBITDA -968.0m)
Debt / FCF = -13.26 (negative FCF - burning cash) (Net Debt 5.32b / FCF TTM -401.0m)
Total Stockholder Equity = 21.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 1.56b / Total Assets 206.11b)
RoE = 7.27% (Net Income TTM 1.56b / Total Stockholder Equity 21.48b)
RoCE = 14.93% (EBIT 5.16b / Capital Employed (Equity 21.48b + L.T.Debt 13.08b))
RoIC = 13.02% (NOPAT 4.38b / Invested Capital 33.64b)
WACC = 8.90% (E(15.69b)/V(27.22b) * Re(8.35%) + D(11.53b)/V(27.22b) * Rd(11.35%) * (1-Tc(0.15)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.23%
Fair Price DCF = unknown (Cash Flow -401.0m)
EPS Correlation: -19.45 | EPS CAGR: -43.99% | SUE: 0.0 | # QB: 0
Revenue Correlation: 30.03 | Revenue CAGR: 54.38% | SUE: -0.47 | # QB: 0
Market Cap EUR = 15.69b (15.69b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.7222
P/E Forward = 7.1942
P/S = 1.0855
P/B = 0.721
P/EG = 0.7164
Beta = 0.633
Revenue TTM = 12.62b EUR
EBIT TTM = 5.16b EUR
EBITDA TTM = -968.0m EUR
Long Term Debt = 13.08b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 11.53b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 5.32b EUR (from netDebt column, last quarter)
Enterprise Value = 19.46b EUR (15.69b + Debt 11.53b - CCE 7.76b)
Interest Coverage Ratio = 3.94 (Ebit TTM 5.16b / Interest Expense TTM 1.31b)
FCF Yield = -2.06% (FCF TTM -401.0m / Enterprise Value 19.46b)
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 = 63.57% ((Revenue TTM 12.62b - Cost of Revenue TTM 4.60b) / Revenue TTM)
Gross Margin QoQ = 75.35% (prev 75.35%)
Tobins Q-Ratio = 0.09 (Enterprise Value 19.46b / Total Assets 206.11b)
Interest Expense / Debt = 11.35% (Interest Expense 1.31b / Debt 11.53b)
Taxrate = 15.11% (84.0m / 556.0m)
NOPAT = 4.38b (EBIT 5.16b * (1 - 15.11%))
Current Ratio = unknown (Total Current Assets 112.98b / Total Current Liabilities -3.67b)
Debt / Equity = 0.53 (Debt 11.53b / totalStockholderEquity, last quarter 21.64b)
Debt / EBITDA = -5.49 (negative EBITDA) (Net Debt 5.32b / EBITDA -968.0m)
Debt / FCF = -13.26 (negative FCF - burning cash) (Net Debt 5.32b / FCF TTM -401.0m)
Total Stockholder Equity = 21.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 1.56b / Total Assets 206.11b)
RoE = 7.27% (Net Income TTM 1.56b / Total Stockholder Equity 21.48b)
RoCE = 14.93% (EBIT 5.16b / Capital Employed (Equity 21.48b + L.T.Debt 13.08b))
RoIC = 13.02% (NOPAT 4.38b / Invested Capital 33.64b)
WACC = 8.90% (E(15.69b)/V(27.22b) * Re(8.35%) + D(11.53b)/V(27.22b) * Rd(11.35%) * (1-Tc(0.15)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.23%
Fair Price DCF = unknown (Cash Flow -401.0m)
EPS Correlation: -19.45 | EPS CAGR: -43.99% | SUE: 0.0 | # QB: 0
Revenue Correlation: 30.03 | Revenue CAGR: 54.38% | SUE: -0.47 | # QB: 0