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NÜRNBERGER Beteiligungs-AG

NÜRNBERGER Beteiligungs-AG

NBG6 · XETRA · Financial Services / Insurance - Diversified

124.00EUR+0.50 (+0.40%)

Price History

Full chart

Market Stats

Previous Close123.50
Open124.00
Day Range124.00 – 124.00
52-Week Range64.31 – 129.00
Volume0
Market Cap1.42B
P/E (TTM)31.95
Forward P/E11.83
EPS3.85
Dividend Yield1.63%
Beta0.27
50-Day Avg124.52
200-Day Avg121.61

About

NÜRNBERGER Beteiligungs-AG operates as an insurance company in Germany. The company offers career and pension products, including disability, dread disease, accident, and basic disability insurance; term life and funeral insurance; classic and unit-linked pension insurance, and company pension scheme; and disability, supplementary and professional liability insurance. It also provides health insurance, such as dental, seeing and hearing, international health, supplementary hospital, and private health insurance, as well alternative medicine, sickness benefit, all-round protection, and prevention and vaccinations; nursing care insurance comprising daily care allowance, care provision, and care protection letter; sports and leisure insurance that consists of musical instrument, sports boat hull, and saddle insurance; and child care and occupational disability insurance for students. In addition, the company offers liability insurance, including private, dog, horse, hunting, homeowner's, water sports, building owner, and water damage liability insurance, as well as legal protection and traffic legal protection insurance; and car and motorcycle, home contents, homeowners, shell, housing protection letter, and internet insurance. Further, it provides building and transport insurance covering contents, glass, commercial building, and construction; transport and traffic insurance; building services, machinery breakdown, electronics, photovoltaic, and cyber insurance; company pension scheme, income protection, and health insurance; business liability, financial loss, D&O, IT liability, and building owner liability insurance; intellectual property rights; and multi-risk insurance packages. Additionally, the company offers asset advice and management services. NÜRNBERGER Beteiligungs-AG was founded in 1884 and is based in Nuremberg, Germany. NÜRNBERGER Beteiligungs-AG operates as a subsidiary of Vienna Insurance Group AG.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Harald Rosenberger
  • Employees3.70K
  • HeadquartersOstendstrasse 100, Nuremberg, Germany, 90334, Germany
  • Websitehttps://www.nuernberger.com

Leadership

  • Mr. Harald RosenbergerChairman of Management Board, CEO & Head of Corp. Dev., HR, Corp. Communications
  • Mr. Andreas PolityckiMember of Management Board & Head of Sales and Marketing
  • Ms. Katja Briones-SchulzMember of the Management Board & Head of Life Insurance, Health Insurance, and Investments
  • Mr. Wolfram PolittMember of Management Board & Head of Operations & CR Mgmt., IT & Digitalization, DP
  • Ms. Christine KaazMember of Management Board
  • Dr. Peter OttMember of Management Board & Head of Legal, Compliance & Accounting

Financials

Income Statement

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.99B5.59B6.39B4.65B5.35B5.84B6.12B6.03B4.28B3.89B4.59B2.57B4.42B4.35B5.44B4.03B5.02B5.36B4.26B
Growth (%)--6.61%+14.22%-27.13%+15.06%+9.04%+4.86%-1.48%-28.98%-9.13%+18.02%-44.09%+72.22%-1.66%+24.97%-25.91%+24.67%+6.85%-20.65%
Cost of Revenue------4.50B4.39B3.84B3.46B4.08B2.16B4.87B-296.22M332.96M365.66M325.50M2.60B
Gross Profit5.99B5.59B6.39B4.65B5.35B5.84B6.12B6.03B4.28B3.89B4.59B2.57B4.42B4.35B5.69B2.23B4.66B5.36B1.65B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%104.70%55.46%92.72%100.00%38.85%
Operating Expense5.88B5.60B6.35B4.56B5.24B5.69B5.99B5.89B4.31B3.93B4.54B2.62B4.47B4.27B649.76M2.14B471.42M5.31B1.52B
Operating Income106.43M-10.32M31.06M96.71M114.06M150.69M133.69M140.40M-30.48M-38.23M49.64M-50.99M-42.97M75.10M5.04B94.63M4.18B58.72M129.39M
Operating Margin1.78%-0.18%0.49%2.08%2.13%2.58%2.18%2.33%-0.71%-0.98%1.08%-1.99%-0.97%1.73%92.75%2.35%83.33%1.09%3.04%
EBITDA106.51M-9.63M81.37M114.06M144.76M169.29M174.99M193.94M111.79M164.62M214.41M117.72M97.58M138.58M89.00M56.12M65.89M27.44M129.39M
EBITDA Margin1.78%-0.17%1.27%2.45%2.70%2.90%2.86%3.22%2.61%4.23%4.67%4.58%2.21%3.19%1.64%1.39%1.31%0.51%3.04%
Net Income68.20M32.28M41.34M39.44M80.79M81.40M71.63M108.62M47.24M58.04M93.07M58.80M67.45M77.37M63.00M69.14M41.73M-78.52M44.39M
Net Income Margin1.14%0.58%0.65%0.85%1.51%1.39%1.17%1.80%1.10%1.49%2.03%2.29%1.52%1.78%1.16%1.72%0.83%-1.46%1.04%
Interest Expense32.93M32.73M28.51M28.87M25.95M30.85M26.60M22.98M38.59M41.54M44.29M50.26M60.12M15.99M15.37M1.21M979.52K902.17K-
Interest Expense % of Total Revenue0.55%0.59%0.45%0.62%0.48%0.53%0.43%0.38%0.90%1.07%0.96%1.96%1.36%0.37%0.28%0.03%0.02%0.02%-

Balance Sheet

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets21.04B18.99B21.31B22.98B22.87B25.17B26.93B29.18B27.97B29.08B30.93B30.67B32.88B33.62B35.87B33.65B34.99B36.65B37.48B
Total Liabilities20.40B18.38B20.65B22.31B22.17B24.33B26.11B28.30B27.27B28.35B30.13B29.84B32.01B32.71B34.93B32.68B34.03B35.80B36.59B
Total Equity620.68M592.71M653.25M655.11M688.15M829.10M810.16M871.66M694.06M718.41M779.66M809.05M845.73M891.26M916.28M948.73M950.13M831.31M872.05M
Cash391.41M208.17M175.98M331.97M598.34M599.94M384.97M286.48M287.57M533.37M559.24M375.85M415.31M497.36M738.91M652.89M670.08M658.13M547.83M
Total Debt784.99M724.35M720.21M396.10M228.71M300.29M262.65M131.56M45.93M63.94M67.48M1.95B28.73M23.60M24.29M42.51M15.27M114.62M110.45M
Net Debt393.58M516.18M544.23M64.13M-369.63M-299.65M-122.32M-154.92M-241.65M-501.40M-525.50M-346.58M-386.58M-473.76M-714.63M-633.81M-654.81M-543.50M-437.38M

Cash Flow

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow431.76M504.78M851.26M877.41K552.26M953.25M758.25M887.22M320.11M348.06M172.04M-171.98M239.63M-70.16M114.89M-448.01M-116.82M137.55M978.00K
Investing Cash Flow-246.25M-390.83M-1.01B-559.11K-81.41K-948.42M-748.38M-897.92M-146.69M-52.17M-103.69M29.38M-158.71M195.98M164.18M405.42M45.96M-245.69M65.24M
Financing Cash Flow-42.98M-81.99M-28.36M-162.22K-206.04K-154.31M-73.17M-87.74M-125.47M-50.12M-42.41M-40.77M-41.46M-43.75M-37.55M-43.46M-44.37M58.19M-6.07M
Capital Expenditure000000636.63M4.21M4.21M3.60M3.16M10.56M30.20M38.42M42.25M37.58M27.91M21.02M2.21M
Free Cash Flow431.76M504.78M851.26M877.41K552.26M953.25M1.39B887.22M315.90M344.46M168.89M-182.54M209.43M-108.57M72.65M-485.59M-144.73M116.53M-1.23M
Dividends Paid17.28M19.58M24.19M26.50K28.80K33.41M33.41M34.56M34.56M36.16M36.86M36.30M36.36M38.62M38.23M38.26M40.32M41.15M1.61M
FCF to OCF100.00%100.00%100.00%100.00%100.00%100.00%183.96%100.00%98.68%98.96%98.16%106.14%87.40%154.76%63.23%108.39%123.89%84.72%-125.97%
Dividend Paid to FCF4.00%3.88%2.84%3.02%0.01%3.50%2.40%3.90%10.94%10.50%21.83%-19.89%17.36%-35.57%52.63%-7.88%-27.86%35.32%-130.93%

Earnings

Report DateSep 30, 2005Mar 31, 2008Jun 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015
EPS Estimate-------------------------------
EPS Actual0.261.930.830.401.110.111.021.341.551.340.55-0.232.413.250.520.682.731.363.08-0.142.951.721.713.051.922.434.583.050.752.060.40
Surprise-------------------------------
Timing-------------------------------

Key Statistics & Ratios

Market Cap1.42B
Enterprise Value874.20M
Trailing P/E31.95
Forward P/E11.83
PEG Ratio0.00
Price / Sales0.33
Price / Book1.64
EPS3.85
Book Value75.70
Revenue (TTM)4.34B
Gross Profit (TTM)487.16M
EBITDA443.13M
Profit Margin1.02%
Operating Margin-1.87%
Return on Equity5.38%
Return on Assets-0.12%
Shares Outstanding11.51M
Shares Float7.48M
Beta0.27
Dividend Yield1.63%
Dividend Rate2.00
Payout Ratio3.63%

Dividends

20261×
2.00Jun 3, 2026
20251×
0.14May 15, 2025
20241×
3.50May 15, 2024
20231×
3.50May 2, 2023
20221×
3.30Apr 28, 2022
20211×
3.30Apr 29, 2021
20201×
3.30Apr 30, 2020
20191×
3.00May 2, 2019
20181×
3.00Apr 25, 2018
20171×
3.00Apr 26, 2017
20161×
3.00Apr 27, 2016
20151×
3.00Apr 22, 2015
20141×
3.00Apr 17, 2014
20131×
2.90Apr 19, 2013
20121×
2.90Apr 20, 2012
20111×
2.50Apr 21, 2011
20101×
2.30Apr 22, 2010
20091×
2.10Apr 22, 2009
20081×
1.70Apr 28, 2008
20071×
1.50Apr 30, 2007
20061×
1.20May 19, 2006
20051×
1.00Apr 1, 2005
20041×
1.00Apr 1, 2004
20031×
0.91Apr 1, 2003

Stock Splits

  • Oct 16, 200010:1