ageas SA/NV Logo

ageas SA/NV

AGESY

(2.2)
Stock Price

50,85 USD

0.72% ROA

9.35% ROE

12.81x PER

Market Cap.

8.809.236.583,52 USD

61.78% DER

6.45% Yield

12.69% NPM

ageas SA/NV Stock Analysis

ageas SA/NV Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

ageas SA/NV Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.93x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (10.37%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.02%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock maintains a fair debt to equity ratio (59%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (378) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

ageas SA/NV Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

ageas SA/NV Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

ageas SA/NV Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

ageas SA/NV Revenue
Year Revenue Growth
2003 50.095.000.000
2004 54.587.000.000 8.23%
2005 90.419.000.000 39.63%
2006 94.363.000.000 4.18%
2007 118.922.000.000 20.65%
2008 9.573.000.000 -1142.26%
2009 15.781.000.000 39.34%
2010 13.632.800.000 -15.76%
2011 12.218.800.000 -11.57%
2012 14.563.100.000 16.1%
2013 13.113.300.000 -11.06%
2014 13.425.800.000 2.33%
2015 13.169.500.000 -1.95%
2016 13.447.700.000 2.07%
2017 11.851.300.000 -13.47%
2018 11.029.400.000 -7.45%
2019 0 0%
2019 14.194.900.000 100%
2020 11.628.000.000 -22.08%
2021 13.035.000.000 10.79%
2022 9.584.000.000 -36.01%
2023 6.614.000.000 -44.9%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

ageas SA/NV Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

ageas SA/NV General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 103.200.000 100%
2012 111.900.000 7.77%
2013 104.700.000 -6.88%
2014 108.100.000 3.15%
2015 131.200.000 17.61%
2016 146.100.000 10.2%
2017 137.700.000 -6.1%
2018 139.800.000 1.5%
2019 0 0%
2019 165.400.000 100%
2020 126.000.000 -31.27%
2021 121.000.000 -4.13%
2022 144.000.000 15.97%
2023 48.000.000 -200%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

ageas SA/NV EBITDA
Year EBITDA Growth
2003 21.987.000.000
2004 39.369.800.000 44.15%
2005 6.071.600.000 -548.43%
2006 71.334.000.000 91.49%
2007 91.918.000.000 22.39%
2008 -26.196.000.000 450.89%
2009 2.703.000.000 1069.15%
2010 1.046.500.000 -158.29%
2011 240.100.000 -335.86%
2012 2.098.900.000 88.56%
2013 1.777.900.000 -18.06%
2014 1.690.100.000 -5.19%
2015 1.869.200.000 9.58%
2016 1.107.200.000 -68.82%
2017 1.722.300.000 35.71%
2018 1.830.600.000 5.92%
2019 0 0%
2019 1.233.300.000 100%
2020 1.720.000.000 28.3%
2021 1.336.000.000 -28.74%
2022 2.283.000.000 41.48%
2023 1.114.000.000 -104.94%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

ageas SA/NV Gross Profit
Year Gross Profit Growth
2003 50.095.000.000
2004 54.587.000.000 8.23%
2005 90.419.000.000 39.63%
2006 94.363.000.000 4.18%
2007 118.922.000.000 20.65%
2008 9.573.000.000 -1142.26%
2009 15.781.000.000 39.34%
2010 13.632.800.000 -15.76%
2011 12.218.800.000 -11.57%
2012 14.563.100.000 16.1%
2013 13.113.300.000 -11.06%
2014 13.425.800.000 2.33%
2015 13.169.500.000 -1.95%
2016 13.447.700.000 2.07%
2017 11.851.300.000 -13.47%
2018 11.029.400.000 -7.45%
2019 0 0%
2019 14.194.900.000 100%
2020 11.628.000.000 -22.08%
2021 13.035.000.000 10.79%
2022 9.584.000.000 -36.01%
2023 6.614.000.000 -44.9%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

ageas SA/NV Net Profit
Year Net Profit Growth
2003 1.755.000.000
2004 3.197.000.000 45.1%
2005 3.941.000.000 18.88%
2006 4.351.000.000 9.42%
2007 3.994.000.000 -8.94%
2008 -28.022.000.000 114.25%
2009 1.330.200.000 2206.6%
2010 363.800.000 -265.64%
2011 -673.500.000 154.02%
2012 743.000.000 190.65%
2013 569.500.000 -30.47%
2014 475.600.000 -19.74%
2015 770.200.000 38.25%
2016 27.100.000 -2742.07%
2017 623.200.000 95.65%
2018 809.100.000 22.98%
2019 0 0%
2019 979.000.000 100%
2020 1.141.000.000 14.2%
2021 845.000.000 -35.03%
2022 1.097.000.000 22.97%
2023 844.000.000 -29.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

ageas SA/NV Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 11
2004 21 45%
2005 26 20%
2006 28 10.71%
2007 23 -21.74%
2008 -122 118.85%
2009 5 3150%
2010 1 0%
2011 -3 100%
2012 3 166.67%
2013 2 -50%
2014 2 0%
2015 4 33.33%
2016 0 0%
2017 3 100%
2018 4 25%
2019 0 0%
2019 5 100%
2020 6 16.67%
2021 5 -50%
2022 5 20%
2023 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

ageas SA/NV Free Cashflow
Year Free Cashflow Growth
2004 6.602.300.000
2005 11.355.600.000 41.86%
2006 -4.673.000.000 343%
2007 -4.468.000.000 -4.59%
2008 -3.481.000.000 -28.35%
2009 9.464.000.000 136.78%
2010 2.971.400.000 -218.5%
2011 999.400.000 -197.32%
2012 2.000.200.000 50.03%
2013 2.308.800.000 13.37%
2014 1.762.200.000 -31.02%
2015 -421.500.000 518.08%
2016 290.600.000 245.04%
2017 -826.300.000 135.17%
2018 739.100.000 211.8%
2019 278.900.000 -165.01%
2020 -1.687.000.000 116.53%
2021 -1.212.000.000 -39.19%
2022 -752.000.000 -61.17%
2023 79.000.000 1051.9%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

ageas SA/NV Operating Cashflow
Year Operating Cashflow Growth
2004 7.442.500.000
2005 12.253.800.000 39.26%
2006 -2.838.000.000 531.78%
2007 -2.977.000.000 4.67%
2008 -3.401.000.000 12.47%
2009 9.668.000.000 135.18%
2010 3.183.800.000 -203.66%
2011 1.305.500.000 -143.88%
2012 2.124.000.000 38.54%
2013 2.443.700.000 13.08%
2014 1.916.500.000 -27.51%
2015 -312.800.000 712.69%
2016 404.800.000 177.27%
2017 -725.500.000 155.8%
2018 861.500.000 184.21%
2019 467.000.000 -84.48%
2020 -1.329.000.000 135.14%
2021 -1.065.000.000 -24.79%
2022 -588.000.000 -81.12%
2023 127.000.000 562.99%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

ageas SA/NV Capital Expenditure
Year Capital Expenditure Growth
2004 840.200.000
2005 898.200.000 6.46%
2006 1.835.000.000 51.05%
2007 1.491.000.000 -23.07%
2008 80.000.000 -1763.75%
2009 204.000.000 60.78%
2010 212.400.000 3.95%
2011 306.100.000 30.61%
2012 123.800.000 -147.25%
2013 134.900.000 8.23%
2014 154.300.000 12.57%
2015 108.700.000 -41.95%
2016 114.200.000 4.82%
2017 100.800.000 -13.29%
2018 122.400.000 17.65%
2019 188.100.000 34.93%
2020 358.000.000 47.46%
2021 147.000.000 -143.54%
2022 164.000.000 10.37%
2023 48.000.000 -241.67%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

ageas SA/NV Equity
Year Equity Growth
2003 14.015.000.000
2004 15.822.000.000 11.42%
2005 19.656.100.000 19.51%
2006 21.551.000.000 8.79%
2007 34.194.000.000 36.97%
2008 7.310.000.000 -367.77%
2009 10.004.000.000 26.93%
2010 9.869.200.000 -1.37%
2011 8.367.700.000 -17.94%
2012 10.786.100.000 22.42%
2013 9.421.800.000 -14.48%
2014 10.911.500.000 13.65%
2015 11.975.000.000 8.88%
2016 10.205.000.000 -17.34%
2017 10.162.200.000 -0.42%
2018 11.519.600.000 11.78%
2019 13.480.700.000 14.55%
2020 13.774.000.000 2.13%
2021 14.172.000.000 2.81%
2022 8.632.000.000 -64.18%
2023 8.499.000.000 -1.56%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

ageas SA/NV Assets
Year Assets Growth
2003 523.250.000.000
2004 570.648.000.000 8.31%
2005 728.994.500.000 21.72%
2006 775.229.000.000 5.96%
2007 871.179.000.000 11.01%
2008 92.870.000.000 -838.06%
2009 93.243.000.000 0.4%
2010 99.166.700.000 5.97%
2011 90.602.200.000 -9.45%
2012 97.112.900.000 6.7%
2013 95.735.600.000 -1.44%
2014 103.559.000.000 7.55%
2015 104.485.800.000 0.89%
2016 104.293.500.000 -0.18%
2017 103.340.800.000 -0.92%
2018 101.686.300.000 -1.63%
2019 109.448.700.000 7.09%
2020 111.418.000.000 1.77%
2021 111.139.000.000 -0.25%
2022 100.304.000.000 -10.8%
2023 96.693.000.000 -3.73%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

ageas SA/NV Liabilities
Year Liabilities Growth
2003 509.235.000.000
2004 554.826.000.000 8.22%
2005 709.338.400.000 21.78%
2006 753.678.000.000 5.88%
2007 836.985.000.000 9.95%
2008 85.560.000.000 -878.24%
2009 83.239.000.000 -2.79%
2010 89.297.500.000 6.78%
2011 82.234.500.000 -8.59%
2012 86.326.800.000 4.74%
2013 86.313.800.000 -0.02%
2014 92.647.500.000 6.84%
2015 92.510.800.000 -0.15%
2016 94.088.500.000 1.68%
2017 93.178.600.000 -0.98%
2018 90.166.700.000 -3.34%
2019 95.968.000.000 6.05%
2020 97.644.000.000 1.72%
2021 96.967.000.000 -0.7%
2022 91.672.000.000 -5.78%
2023 88.194.000.000 -3.94%

ageas SA/NV Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
29.5
Net Income per Share
3.74
Price to Earning Ratio
12.81x
Price To Sales Ratio
1.63x
POCF Ratio
46.61
PFCF Ratio
129.55
Price to Book Ratio
1.19
EV to Sales
2.13
EV Over EBITDA
31.01
EV to Operating CashFlow
60.95
EV to FreeCashFlow
169.4
Earnings Yield
0.08
FreeCashFlow Yield
0.01
Market Cap
8,81 Bil.
Enterprise Value
11,52 Bil.
Graham Number
58.33
Graham NetNet
-160.15

Income Statement Metrics

Net Income per Share
3.74
Income Quality
0.27
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.66
EBT Per Ebit
2.08
Ebit per Revenue
0.09
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
1
Operating Profit Margin
0.09
Pretax Profit Margin
0.19
Net Profit Margin
0.13

Dividends

Dividend Yield
0.06
Dividend Yield %
6.45
Payout Ratio
0.59
Dividend Per Share
3.73

Operating Metrics

Operating Cashflow per Share
1.03
Free CashFlow per Share
0.37
Capex to Operating CashFlow
0.64
Capex to Revenue
0.02
Capex to Depreciation
0.53
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.66

Balance Sheet

Cash per Share
319,98
Book Value per Share
46,27
Tangible Book Value per Share
38.21
Shareholders Equity per Share
40.41
Interest Debt per Share
24.96
Debt to Equity
0.62
Debt to Assets
0.05
Net Debt to EBITDA
7.29
Current Ratio
113.03
Tangible Asset Value
7,02 Bil.
Net Current Asset Value
-29,42 Bil.
Invested Capital
62147000000
Working Capital
58,26 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,26 Bil.
Average Inventory
0
Debt to Market Cap
0.52

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

ageas SA/NV Dividends
Year Dividends Growth
2007 10
2008 1 -900%
2010 0 0%
2011 0 0%
2012 0 0%
2013 3 100%
2014 3 -50%
2015 2 -100%
2016 2 0%
2017 2 50%
2018 2 0%
2019 2 0%
2020 3 33.33%
2021 4 0%
2022 4 25%
2023 3 -33.33%
2024 2 -50%

ageas SA/NV Profile

About ageas SA/NV

ageas SA/NV, together with its subsidiaries, engages in insurance business in Europe and Asia. The company primarily offers property, casualty, and life insurance products, as well as pension products; and reinsurance products. Its life insurance products include risks related to the life and death of individuals; and non-life insurance products comprise accident and health, motor, fire, and other insurance products, as well as other damages to property covering the risk of property losses or claims liabilities. The company serves private individuals, as well as small, medium-sized, and large companies through independent brokers and the bank channels. ageas SA/NV was founded in 1824 and is headquartered in Brussels, Belgium.

CEO
Mr. Hans Jozef Josephina de Cu
Employee
14.837
Address
Rue du Marquis 1/Markiesstraat 1
Brussels, 1000

ageas SA/NV Executives & BODs

ageas SA/NV Executives & BODs
# Name Age
1 Mr. Wim Guilliams
Chief Financial Officer & Director
70
2 Mr. Emmanuel Van Grimbergen
MD of Reinsurance & Investments and Executive Director
70
3 Jerry Bata
Head of Legal
70
4 Mr. Ben Karel E. Coumans
Managing Director of Europe
70
5 Ms. Karolien Gielen
Managing Director of Business Development
70
6 Mr. Bart Karel August De Smet
Executive Chairman of the Board
70
7 Ms. Heidi Delobelle
Managing Director of Belgium
70
8 Mr. Filip Andre Lodewijk Coremans
Managing Director of Asia
70
9 Mr. Hans Jozef Josephina de Cuyper
Chief Executive Officer & Executive Director
70
10 Ms. Veerle Verbessem
Group Director Investor Relations
70

ageas SA/NV Competitors

AXA SA Logo
AXA SA

AXAHF

(1.8)
Sampo Oyj Logo
Sampo Oyj

SAXPY

(2.0)
Athene Holding Ltd. Logo
Athene Holding Ltd.

ATH-PB

(3.2)
Athene Holding Ltd. Logo
Athene Holding Ltd.

ATH-PC

(3.0)
Sampo Oyj Logo
Sampo Oyj

SAXPF

(2.0)
NN Group N.V. Logo
NN Group N.V.

NNGRY

(2.2)