(NN) NN - Overview
Exchange: AS •
Country: Netherlands •
Currency: EUR •
Type: Common Stock •
ISIN: NL0010773842
Stock: Insurance, Banking, Pensions, Investments
Total Rating 56
Risk 81
Buy Signal -0.65
| Risk 5d forecast | |
|---|---|
| Volatility | 19.8% |
| Relative Tail Risk | -5.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.40 |
| Alpha | 28.00 |
| Character TTM | |
|---|---|
| Beta | 0.240 |
| Beta Downside | 0.133 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.11% |
| CAGR/Max DD | 1.63 |
EPS (Earnings per Share)
Revenue
Description: NN NN March 05, 2026
NN Group N.V. is a Dutch financial services company. It offers a range of life and non-life insurance products, a common business model for diversified insurers.
The company operates across various segments, including Netherlands Life, Netherlands Non-Life, Insurance Europe, Japan Life, and Banking. This geographic and product diversification is typical in the global insurance sector.
Product offerings include group and individual pensions, retail life, SME life, motor, fire, liability, transport, travel, health, disability, and accident insurance. The company also provides banking services like mortgages and savings. These products are distributed through multiple channels, such as agents, bancassurance partnerships, brokers, and direct sales.
For more detailed analysis, consider exploring ValueRays comprehensive company profiles.
Headlines to watch out for
- Interest rate fluctuations impact investment income
- Insurance claims frequency and severity affect profitability
- Regulatory changes influence capital requirements and product offerings
- Economic growth drives demand for insurance and banking products
- Competition from other financial institutions pressures market share
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 1.33b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.30 > 1.0 |
| NWC/Revenue: -961.3% < 20% (prev 48.39%; Δ -1.01k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 249.0m > Net Income 1.33b |
| Net Debt (7.29b) to EBITDA (2.85b): 2.56 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (262.2m) vs 12m ago -2.93% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 6.71% > 50% (prev 6.14%; Δ 0.57% > 0%) |
| Interest Coverage Ratio: 3.66 > 6 (EBITDA TTM 2.85b / Interest Expense TTM 1.20b) |
Altman Z''
| A: -0.65 (Total Current Assets 11.47b - Total Current Liabilities 145.51b) / Total Assets 204.91b |
| B: error (Retained Earnings missing) |
| C: 0.02 (EBIT TTM 4.39b / Avg Total Assets 207.64b) |
| D: 0.00 (Book Value of Equity 32.0m / Total Liabilities 183.76b) |
Beneish M
| DSRI: none (Receivables 1.66b/none, Revenue 13.94b/12.93b) |
| GMI: 0.35 (GM 100.0% / 35.39%) |
| AQI: 0.98 (AQ_t 0.94 / AQ_t-1 0.97) |
| SGI: 1.08 (Revenue 13.94b / 12.93b) |
| TATA: 0.01 (NI 1.33b - CFO 249.0m) / TA 204.91b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of NN shares?
As of March 23, 2026, the stock is trading at EUR 65.70 with a total of 2,370,354 shares traded.
Over the past week, the price has changed by -0.73%, over one month by -6.41%, over three months by +0.40% and over the past year by +36.60%.
Over the past week, the price has changed by -0.73%, over one month by -6.41%, over three months by +0.40% and over the past year by +36.60%.
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 | 71.7 | 9.2% |
| Analysts Target Price | - | - |
NN Fundamental Data Overview March 21, 2026
Market Cap USD = 20.33b (17.58b EUR * 1.1562 EUR.USD)
P/E Trailing = 16.0815
P/E Forward = 8.3264
P/S = 1.2258
P/B = 0.8258
P/EG = 0.7164
Revenue TTM = 13.94b EUR
EBIT TTM = 4.39b EUR
EBITDA TTM = 2.85b EUR
Long Term Debt = 13.42b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 13.69b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.29b EUR (from netDebt column, last quarter)
Enterprise Value = 24.87b EUR (17.58b + Debt 13.69b - CCE 6.40b)
Interest Coverage Ratio = 3.66 (Ebit TTM 4.39b / Interest Expense TTM 1.20b)
EV/FCF = 99.87x (Enterprise Value 24.87b / FCF TTM 249.0m)
FCF Yield = 1.00% (FCF TTM 249.0m / Enterprise Value 24.87b)
FCF Margin = 1.79% (FCF TTM 249.0m / Revenue TTM 13.94b)
Net Margin = 9.51% (Net Income TTM 1.33b / Revenue TTM 13.94b)
Gross Margin = unknown ((Revenue TTM 13.94b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 24.87b / Total Assets 204.91b)
Interest Expense / Debt = 8.77% (Interest Expense 1.20b / Debt 13.69b)
Taxrate = 25.0% (66.0m / 264.0m)
NOPAT = 3.29b (EBIT 4.39b * (1 - 25.00%))
Current Ratio = 0.08 (Total Current Assets 11.47b / Total Current Liabilities 145.51b)
Debt / Equity = 0.65 (Debt 13.69b / totalStockholderEquity, last quarter 21.06b)
Debt / EBITDA = 2.56 (Net Debt 7.29b / EBITDA 2.85b)
Debt / FCF = 29.26 (Net Debt 7.29b / FCF TTM 249.0m)
Total Stockholder Equity = 21.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.64% (Net Income 1.33b / Total Assets 204.91b)
RoE = 6.17% (Net Income TTM 1.33b / Total Stockholder Equity 21.48b)
RoCE = 12.58% (EBIT 4.39b / Capital Employed (Equity 21.48b + L.T.Debt 13.42b))
RoIC = 9.66% (NOPAT 3.29b / Invested Capital 34.10b)
WACC = 6.72% (E(17.58b)/V(31.27b) * Re(6.83%) + D(13.69b)/V(31.27b) * Rd(8.77%) * (1-Tc(0.25)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF] Terminal Value 76.46% ; FCFF base≈249.0m ; Y1≈163.5m ; Y5≈74.6m
[DCF] Fair Price = N/A (negative equity: EV 1.90b - Net Debt 7.29b = -5.39b; debt exceeds intrinsic value)
EPS Correlation: -18.06 | EPS CAGR: 19.17% | SUE: 0.0 | # QB: 0
Revenue Correlation: 23.87 | Revenue CAGR: -8.37% | SUE: -4.0 | # QB: 0
EPS current Year (2026-12-31): EPS=8.49 | Chg7d=+0.149 | Chg30d=+0.454 | Revisions Net=-1 | Growth EPS=+1.9% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=8.56 | Chg7d=-0.107 | Chg30d=+0.073 | Revisions Net=+1 | Growth EPS=+0.8% | Growth Revenue=+5.6%
[Analyst] Revisions Ratio: -0.20 (2 Up / 3 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 1.7% (Discount Rate 7.9% - Earnings Yield 6.2%)
[Growth] Growth Spread = +3.9% (Analyst 5.6% - Implied 1.7%)
P/E Trailing = 16.0815
P/E Forward = 8.3264
P/S = 1.2258
P/B = 0.8258
P/EG = 0.7164
Revenue TTM = 13.94b EUR
EBIT TTM = 4.39b EUR
EBITDA TTM = 2.85b EUR
Long Term Debt = 13.42b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 13.69b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.29b EUR (from netDebt column, last quarter)
Enterprise Value = 24.87b EUR (17.58b + Debt 13.69b - CCE 6.40b)
Interest Coverage Ratio = 3.66 (Ebit TTM 4.39b / Interest Expense TTM 1.20b)
EV/FCF = 99.87x (Enterprise Value 24.87b / FCF TTM 249.0m)
FCF Yield = 1.00% (FCF TTM 249.0m / Enterprise Value 24.87b)
FCF Margin = 1.79% (FCF TTM 249.0m / Revenue TTM 13.94b)
Net Margin = 9.51% (Net Income TTM 1.33b / Revenue TTM 13.94b)
Gross Margin = unknown ((Revenue TTM 13.94b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.12 (Enterprise Value 24.87b / Total Assets 204.91b)
Interest Expense / Debt = 8.77% (Interest Expense 1.20b / Debt 13.69b)
Taxrate = 25.0% (66.0m / 264.0m)
NOPAT = 3.29b (EBIT 4.39b * (1 - 25.00%))
Current Ratio = 0.08 (Total Current Assets 11.47b / Total Current Liabilities 145.51b)
Debt / Equity = 0.65 (Debt 13.69b / totalStockholderEquity, last quarter 21.06b)
Debt / EBITDA = 2.56 (Net Debt 7.29b / EBITDA 2.85b)
Debt / FCF = 29.26 (Net Debt 7.29b / FCF TTM 249.0m)
Total Stockholder Equity = 21.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.64% (Net Income 1.33b / Total Assets 204.91b)
RoE = 6.17% (Net Income TTM 1.33b / Total Stockholder Equity 21.48b)
RoCE = 12.58% (EBIT 4.39b / Capital Employed (Equity 21.48b + L.T.Debt 13.42b))
RoIC = 9.66% (NOPAT 3.29b / Invested Capital 34.10b)
WACC = 6.72% (E(17.58b)/V(31.27b) * Re(6.83%) + D(13.69b)/V(31.27b) * Rd(8.77%) * (1-Tc(0.25)))
Discount Rate = 6.83% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -2.55%
[DCF] Terminal Value 76.46% ; FCFF base≈249.0m ; Y1≈163.5m ; Y5≈74.6m
[DCF] Fair Price = N/A (negative equity: EV 1.90b - Net Debt 7.29b = -5.39b; debt exceeds intrinsic value)
EPS Correlation: -18.06 | EPS CAGR: 19.17% | SUE: 0.0 | # QB: 0
Revenue Correlation: 23.87 | Revenue CAGR: -8.37% | SUE: -4.0 | # QB: 0
EPS current Year (2026-12-31): EPS=8.49 | Chg7d=+0.149 | Chg30d=+0.454 | Revisions Net=-1 | Growth EPS=+1.9% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=8.56 | Chg7d=-0.107 | Chg30d=+0.073 | Revisions Net=+1 | Growth EPS=+0.8% | Growth Revenue=+5.6%
[Analyst] Revisions Ratio: -0.20 (2 Up / 3 Down within 30d for Current Year)
[Growth] Implied Growth Rate = 1.7% (Discount Rate 7.9% - Earnings Yield 6.2%)
[Growth] Growth Spread = +3.9% (Analyst 5.6% - Implied 1.7%)