ASR Nederland NV

ASR Nederland NV

ASRNL · AS · Financial Services / Insurance - Diversified

80.14EUR+0.38 (+0.48%)

Price History

Full chart

Market Stats

Previous Close79.76
Open79.88
Day Range79.80 – 80.34
52-Week Range53.11 – 76.42
Volume456.98K
Market Cap15.25B
P/E (TTM)14.77
Forward P/E10.78
EPS5.12
Dividend Yield4.67%
Beta0.51
50-Day Avg73.16
200-Day Avg66.59

About

ASR Nederland N.V. provides insurance, pensions, and mortgages products and services for consumers, businesses, 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, and equities; investment solutions; manages non-listed sector funds, which invest in retail and residential properties, offices, real estate on science parks, agricultural land, and renewable energy sources comprising wind, solar farms, and energy storage; and develops investment strategies. Further, the company operates in the residential mortgage markets under a.s.r. and Aegon brands; and specialised products for first-time buyers, customers who want to finance sustainable home modifications and senior citizens. Additionally, it engages in the provision of distribution and services; involved in the group-related activities, real estate development business, and activities relating to private investments for customers; offers expert guidance, software and advice on creating healthy and safe working environments services under the ArboNed, Mensely, HumanCapitalCare, Focus, and IT&Care brands; and health and reintegration services. The company was formerly known as Fortis Verzekeringen Nederland N.V. and changed its name to ASR Nederland N.V. in October 2008. The company was founded in 1720 and is based in Utrecht, the Netherlands.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMs. Ingrid. M. A. de Graaf-de Swart
  • Employees9.54K
  • HeadquartersArchimedeslaan 10, Utrecht, Netherlands, 3584 BA, Netherlands
  • Websitehttps://www.asrnl.com

Leadership

  • Ms. Ingrid. M. A. de Graaf-de SwartCEO & Chairman of the Executive Board · b. 1969
  • Mr. Ewout HollegienMember of Executive Board & CFO · b. 1985
  • Ms. Rozan E. Dekker RozanCRO & Member of the Executive Board · b. 1972
  • Mr. Willem van den BergCOO of Life & Member of the Executive Board · b. 1977
  • Mr. Michel HültersHead of Investor Relations & Ratings
  • Ms. Jolanda SappelliCHRO & Member of the Executive Board · b. 1963
  • Mr. Dick GortCEO of Real Estate
  • Mr. Diederik SchoutenDeputy Director & Head of Operations of Pensions
  • Mr. Patrick KlijnsmitChief Executive Officer a.s.r. asset management
  • Mr. Barth ScholtenInvestor relations

Financials

Income Statement

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.15B8.54B7.95B9.31B7.65B6.86B5.75B7.53B6.79B6.94B7.23B6.63B6.12B5.78B7.99B7.51B9.82B-10.55B12.76B20.64B21.23B
Growth (%)-+4.70%-6.86%+17.10%-17.84%-10.36%-16.11%+30.89%-9.79%+2.11%+4.28%-8.38%-7.67%-5.54%+38.17%-5.96%+30.81%-207.37%+220.95%+61.74%+2.88%
Cost of Revenue-----6.86B5.75B-5.47B5.50B5.59B5.11B4.22B4.01B5.90B---83.00M--
Gross Profit-------7.53B6.79B6.94B7.23B6.63B6.12B5.78B7.99B7.51B9.82B-10.55B12.68B20.64B21.23B
Gross Margin-------100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%99.35%100.00%100.00%
Operating Expense-------7.00B6.48B6.17B6.27B5.55B4.83B4.75B6.78B6.79B8.61B-8.23B1.50B19.19B20.53B
Operating Income1.09B1.14B1.40B-477.00M534.00M844.00M531.00M317.00M765.00M960.00M1.08B1.29B1.02B1.20B721.00M1.21B-2.32B11.17B1.45B702.00M
Operating Margin13.38%13.39%17.66%-6.23%7.79%14.67%7.05%4.67%11.03%13.27%16.30%21.07%17.73%15.08%9.60%12.35%22.00%87.58%7.02%3.31%
EBITDA-----544.00M451.00M637.00M649.00M878.00M1.06B1.03B1.25B1.19B1.54B1.21B1.62B-1.83B4.07B5.59B6.72B
EBITDA Margin-----7.93%7.84%8.46%9.55%12.66%14.68%15.54%20.40%20.52%19.27%16.09%16.52%17.31%31.89%27.09%31.68%
Net Income533.00M624.00M889.00M-255.00M278.00M178.00M316.00M214.00M342.00M586.00M625.00M872.00M610.00M912.00M609.00M894.00M-1.76B1.04B883.00M582.00M
Net Income Margin6.54%7.31%11.18%-3.33%4.05%3.09%4.20%3.15%4.93%8.10%9.43%14.25%10.55%11.42%8.11%9.10%16.66%8.14%4.28%2.74%
Interest Expense0000063.00M153.00M0357.00M315.00M243.00M258.00M197.00M313.00M353.00M331.00M362.00M449.00M2.74B4.03B6.03B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.92%2.66%0.00%5.26%4.54%3.36%3.89%3.22%5.42%4.42%4.41%3.68%-4.26%21.45%19.53%28.40%

Balance Sheet

Currency: EUR2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets37.33B40.02B38.93B36.71B39.29B40.19B41.62B44.49B43.05B51.65B53.36B56.95B55.41B59.01B69.72B77.15B74.03B61.90B150.77B138.59B142.15B
Total Liabilities34.78B36.71B36.57B36.19B37.34B38.25B39.77B41.83B39.40B47.95B49.10B52.48B49.97B53.53B63.63B70.84B67.66B55.72B141.39B128.76B133.53B
Total Equity2.50B3.26B2.26B432.00M1.90B1.93B1.85B2.68B3.67B3.73B4.28B4.48B5.43B5.48B6.09B6.31B7.37B6.15B8.34B9.79B8.60B
Cash558.00M1.00B483.00M654.00M685.00M489.00M2.57B602.00M1.52B3.13B2.63B3.58B3.75B3.78B2.90B2.85B2.31B2.25B7.91B4.19B2.71B
Total Debt-----710.00M2.36B43.00M775.00M3.39B2.36B3.45B2.79B3.22B6.56B9.04B6.92B4.46B12.90B10.69B10.42B
Net Debt-----221.00M-215.00M-602.00M-746.00M259.00M-272.00M-135.00M-959.00M-560.00M3.65B6.20B4.62B2.21B4.99B6.50B7.71B

Cash Flow

Currency: EUR2005-12-312006-12-312007-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-----45.00M2.13B160.00M-811.00M1.68B-484.00M1.14B401.00M739.00M-756.00M354.00M198.00M-961.00M3.58B-699.00M-569.00M
Investing Cash Flow-----66.00M-42.00M-57.00M-62.00M-67.00M-293.00M-39.00M-26.00M-88.00M-456.00M-47.00M-463.00M-202.00M2.21B-1.94B-25.00M
Financing Cash Flow-----85.00M-38.00M-120.00M-162.00M-2.00M274.00M-150.00M-207.00M-382.00M149.00M-399.00M-292.00M1.10B-130.00M-1.08B-900.00M
Capital Expenditure000013.00M11.00M20.00M58.00M57.00M38.00M20.00M19.00M5.00M10.00M15.00M387.00M190.00M34.00M25.00M18.00M
Free Cash Flow-----58.00M2.12B140.00M-869.00M1.63B-522.00M1.12B382.00M734.00M-766.00M339.00M-189.00M-1.15B3.55B-724.00M-587.00M
Dividends Paid------71.00M88.00M99.00M139.00M170.00M187.00M321.00M252.00M272.00M285.00M347.00M484.00M626.00M667.00M
FCF to OCF----128.89%99.48%87.50%107.15%96.61%107.85%98.24%95.26%99.32%101.32%95.76%-95.45%119.77%99.05%103.58%103.16%
Dividend Paid to FCF------50.71%-10.13%6.09%-26.63%15.22%48.95%43.73%-32.90%80.24%-150.79%-30.15%13.64%-86.46%-113.63%

Earnings

Report DateFeb 22, 2017May 31, 2017Sep 20, 2017Dec 4, 2017Feb 21, 2018May 30, 2018Aug 29, 2018Nov 28, 2018Feb 20, 2019May 29, 2019Aug 23, 2019Nov 27, 2019Feb 19, 2020May 20, 2020Aug 26, 2020Dec 2, 2020Feb 18, 2021Jun 2, 2021Aug 25, 2021Dec 1, 2021Feb 23, 2022Jun 1, 2022Aug 24, 2022Nov 30, 2022Feb 22, 2023May 31, 2023Aug 30, 2023Nov 29, 2023Feb 29, 2024May 29, 2024Aug 21, 2024Nov 27, 2024Mar 26, 2025Aug 20, 2025Dec 31, 2025Feb 17, 2027
EPS Estimate0.000.000.000.000.000.000.000.002.420.002.810.002.380.001.030.002.240.002.860.002.860.002.600.002.290.00-0.002.600.002.780.002.78---
EPS Actual1.671.672.700.003.220.002.390.002.000.003.610.002.270.001.450.004.400.002.860.003.310.002.800.005.000.002.020.002.990.00-0.430.003.780.482.18-
Surprise---------17.36%-28.47%--4.62%-40.78%-96.43%-0.00%-15.73%-7.69%-118.34%---14.92%--115.47%-35.97%---
TimingPre-marketPre-marketAfter-hoursAfter-hoursAfter-hours-Pre-market-Pre-market-Pre-market-Pre-marketPre-marketPre-market-Pre-market-Pre-market-Pre-market-Pre-market-Pre-market-Pre-market------After-hours-After-hours

Key Statistics & Ratios

Market Cap15.25B
Enterprise Value20.36B
Trailing P/E14.77
Forward P/E10.78
Price / Sales0.82
Price / Book1.46
EPS5.12
Book Value51.98
Revenue (TTM)18.59B
Gross Profit (TTM)9.92B
EBITDA7.39B
Profit Margin6.62%
Operating Margin42.40%
Return on Equity12.23%
Return on Assets3.16%
Shares Outstanding201.55M
Shares Float189.42M
Beta0.51
Dividend Yield4.67%
Dividend Rate3.53
Payout Ratio1.62%

Dividends

20262×
1.39Aug 26, 20262.14May 22, 2026
20252×
1.27Aug 27, 20251.96May 23, 2025
20242×
1.16Aug 28, 20241.81May 31, 2024
20232×
1.08Sep 6, 20231.72Jun 2, 2023
20222×
0.98Aug 31, 20221.60May 27, 2022
20212×
0.82Aug 30, 20211.28May 21, 2021
20201×
1.20Aug 31, 2020
20192×
0.70Sep 2, 20191.09May 24, 2019
20182×
0.65Sep 3, 20181.63Jun 4, 2018
20171×
1.27Jun 2, 2017