ASR Nederland N.V. ASRNL.AS
Composite 59/100; the shares have moved about 15% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 33/100 — a moderate mark against it.
Income ranks 89/100 — a strong point in its favour. Momentum ranks 84/100 — a strong point in its favour. Valuation ranks 81/100 — a strong point in its favour.
Growth ranks 33/100 — a moderate mark against it. Balance-sheet strength ranks 41/100 — a slight mark against it.
What the company does ASR Nederland N.V. provides insurance, pensions, mortgages, and asset management in the Netherlands across five segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding. Its offerings include property & casualty, health, disability, life, and pension products, alongside investment property and renewable energy infrastructure management.
Key financials ASR reports gross 52%, operating 35%, and net 3% margins with revenue growth of 10%. ROE is 6% and ROA 3%, while debt/equity stands at 2.39x and the current ratio is 5.01x. Dividend yield is 5% with a 150% payout ratio; FCF yield is 7%.
Stock health Sideravia scores ASR weak on quality (40th percentile) but attractive on valuation (70th) and momentum (71st). Profitability metrics trail peers, with EPS down 59% and ROE at 6%. Momentum is strong: +12% over 3m, +18% over 6m, +28% over 12m.
Price vs fair value The stock trades at a PREMIUM of 27.40% versus our fair-value estimate of 50.61 and at a discount of 2.46% versus the analyst 12-month target of 71.45. - Trading at a 27% premium to fair value despite weak quality score (Sideravia) - Forward P/E of 12x vs trailing P/E of 32x signals valuation optimism (Valuation percentile 70.2) - EPS fell 59% YoY while revenue rose 10% (Key financials) - Dividend yield 5% with 150% payout ratio raises sustainability questions (Dividend yield 4.9%, payout 149.5%) - 12m momentum +28% supports near-term price strength (Momentum 28.33%)
Looking forward Forward P/E of 12x implies earnings recovery is priced in, but weak profitability and high payout ratio remain risks. Momentum tailwinds could persist short term, while valuation premium demands execution on turnaround plans to justify.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-03, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.