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About The Company

CEO

Mr. Hans Jozef Josephina de Cuyper

Market Cap

11.16 Billion EUR

Sector

Financial Services

Website

https://www.ageas.com

Last Update

02/05/2025, 23:47:36

Description

ageas SA/NV, together with its subsidiaries, engages in insurance business in Europe and Asia.

Read More

Overview

Value

53

Growth

18

Health

57

Management

16

Analyst Opinion

23

Total

33

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Has a low level of debt
  • Has a history of share buybacks
  • Price-to-earnings ratio of 9.6 is lower than the market average (19.6x)

Risk Factors

  • Altman-Z score suggests a risk of bankruptcy
  • Does not hold enough liquid assets to cover short term liabilities
  • Disliked by Twitter users
  • Poor earnings and cashflow growth

Market Peers

AGS.BR

Key Figures

PE Ratio (TTM)

9.56

Margin Of Safety (DCF)

33.84%

Revenue Growth (5 Year Average)

-1.73%

Ratings Consensus

Strong Sell

Share Buybacks

0.27%

Dividend Yeild (TTM)

5.48%

Valuation

Value Score

53

  • Price-to-earnings ratio of 9.6 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 5.28% is better than the market average (4.7%)
  • Margin-of-safety of 33.84% is better than the market average (17.95%)
  • Estimated intrinsic-value of 73.94 EUR is higher than current price ( 57.80 EUR)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 33756019118.5 EUR

Current Price: 55.3 EUR

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

9.56x

Free Cashflow Yeild

5.28%

PE/Earnings Growth

N/A

Price/Book

1.21x

Growth

Growth Score

18

  • Earnings growth has improved this year
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of -1.73% is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of 0.00% is lower than the market average (14.48%)
  • 5 Year Average Free Cashflow growth of 0.00% is lower than the market average (12.35%)

Revenue Growth

-1.73%

Earnings Growth

0.00%

Cashflow Growth

0.00%

Health

Health Score

57

  • Altman-Z score suggests a risk of bankruptcy
  • High financial leverage and base interest rate exposure
  • Requires debt for normal operation to be sustainable
  • Debt repayments significantly impact cashflow

Altman Z Score

0.19

Piostroski Score

3.00

Debt/Equity

0.54x

Current Assets/Liabilities

N/Ax

Free Cashflow/Total Debt

0.04x

Debt/Capital

2.22x

Dividend

Secure Dividend Score

42

  • Dividend yeild of 5.48% is more than the market average (1.85%)
  • At risk of being unsafe
  • Long term dividend payout ratio of 14.90% is considered good
  • Dividends have shown growth over the last 5 years
  • Payout ratio (TTM) of 54.98% is higher than the average (40%)
  • Spending a higher percentage of their income on dividends than last 5 years

Dividend Yeild

5.48%

Dividend Growth

0.00%

Payout Ratio (Earnings)

54.98%

Payout Ratio (Cashflow)

103.91%

Management

Management Score

16

  • Has repurchased shares when value is good
  • Has a history of returning value to shareholders through stock buybacks
  • Return-on-capital-employed of 0.00% is lower than the market average (10%)
  • Return-on-equity of 3.82% is lower than the market average (15%)

Average Buybacks/Dilution

0.27%

Recent Buybacks/Dilution

4.93%

5 Year Price Volitility

11.91%

Return On Assets

0.34%

Return On Capital Employed

0.00%

Return On Equity

3.82%

Return On Free Cashflow

N/A

Return On Investments

0.24%

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

23

  • Ratings consensus is Strong Sell

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

ageas SA/NV

Currency

EUR

Beta

0.747

Vol Avg

316101

Ceo

Mr. Hans Jozef Josephina de Cuyper

Cik

Cusip

B0148L138

Exchange

Brussels

Full Time Employees

14837

Industry

Insurance - Diversified

Sector

Financial Services

Ipo Date

2001-06-18

Address

Rue du Marquis 1/Markiesstraat 1

City

Brussels

State

Country

BE

Zip

1000

Phone

32 2 557 57 11

Analysis Last Updated

02/05/2025, 23:47:36

All financial data provided by FMP

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