NN Group N.V. NN.AS
Composite 60/100; 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.
Balance-sheet strength ranks 38/100 — a moderate mark against it.
Income ranks 90/100 — a strong point in its favour. Momentum ranks 82/100 — a strong point in its favour. Valuation ranks 68/100 — a moderate point in its favour.
Balance-sheet strength ranks 38/100 — a moderate mark against it. Quality ranks 48/100 — a slight mark against it.
What the company does NN Group N.V. (NN.AS) is a Dutch diversified insurer offering life, non-life, pensions, and bancassurance products across the Netherlands, Europe, and Japan under brands like Nationale-Nederlanden, BeFrank, and Woonnu.
Key financials NN reports weak profitability with ROE at 5.6% and ROA at 1.6%, alongside negative revenue (-1.5%) and EPS growth (-15.3%). Margins are thin: gross 58.3%, operating 39.2%, net 8.3%. Debt/equity stands at 0.65, with a strong current ratio of 11.76.
Stock health Momentum is strong: 12-month return 46.03%, 6-month 25.15%, and RSI(14) at 71.10. Income is attractive with a 4.9% dividend yield and high payout ratio (84.9%). Quality and growth scores are weak (39.3 and 20.2), but valuation (65.7) and momentum (81.3) are positive.
Price vs fair value The stock trades at a **PREMIUM** of 15.40% versus our fair-value estimate and a **PREMIUM** of 4.13% versus the analyst 12-month target. - Valuation percentile 65.7/100 signals attractiveness (Valuation 65.7). - Forward P/E of 9.96 vs trailing 19.06 suggests growth expectations (Valuation 65.7). - Momentum is elevated (81.3) with 12-month return of 46.03% (Momentum 81.3). - Dividend yield of 4.9% supports income appeal (Income 79.5).
Looking forward Forward PEG of 0.11 implies deep undervaluation relative to growth, but weak profitability (ROE 5.6%) and negative growth (-1.5%) temper upside. Analysts (n=13) see limited near-term upside given the premium to target.
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Data as of 2026-09-04, 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.