(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 | 18,567m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception |
NN Stock Ratings
| Growth Rating | 87.1% |
| Fundamental | 52.2% |
| Dividend Rating | 73.8% |
| Return 12m vs S&P 500 | 20.8% |
| Analyst Rating | - |
NN Dividends
| Dividend Yield 12m | 5.89% |
| Yield on Cost 5y | 15.06% |
| Annual Growth 5y | 10.42% |
| Payout Consistency | 99.1% |
| Payout Ratio | 75.3% |
NN Growth Ratios
| Growth Correlation 3m | 35.6% |
| Growth Correlation 12m | 93.1% |
| Growth Correlation 5y | 69.2% |
| CAGR 5y | 19.93% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.71 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.33 |
| Sharpe Ratio 12m | 2.14 |
| Alpha | 27.60 |
| Beta | 0.633 |
| Volatility | 17.70% |
| Current Volume | 712.4k |
| Average Volume 20d | 487.1k |
| Stop Loss | 58.2 (-3.1%) |
| Signal | 0.00 |
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) 52.19
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -2.04% = -1.02 |
| 3. FCF Margin -3.18% = -1.19 |
| 4. Debt/Equity 0.53 = 2.36 |
| 5. Debt/Ebitda -5.49 = -2.50 |
| 6. ROIC - WACC (= 4.13)% = 5.16 |
| 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?
Over the past week, the price has changed by -0.07%, over one month by +4.38%, over three months by +7.46% and over the past year by +38.76%.
Is NN a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of NN is around 67.07 EUR . This means that NN is currently undervalued and has a potential upside of +11.67% (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 | 63.4 | 5.5% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 75.1 | 25% |
NN Fundamental Data Overview
Market Cap EUR = 15.92b (15.92b EUR * 1.0 EUR.EUR)
P/E Trailing = 12.906
P/E Forward = 7.1942
P/S = 1.1012
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 = 19.69b EUR (15.92b + Debt 11.53b - CCE 7.76b)
Interest Coverage Ratio = 3.94 (Ebit TTM 5.16b / Interest Expense TTM 1.31b)
FCF Yield = -2.04% (FCF TTM -401.0m / Enterprise Value 19.69b)
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 = 0.10 (Enterprise Value 19.69b / 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 = 8.89% (E(15.92b)/V(27.45b) * Re(8.35%) + D(11.53b)/V(27.45b) * 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