FO4N.HA ageas SA/NV
- Market cap
- EUR 8.49B
- P/E
- 7.7x
- P/B
- 1.54x
- ROE
- 18.1%
- Dividend yield
- 7.74%
- Fundamental score
- 3.6/5
Ratios use the latest price and the fiscal year ending Dec 2025.
Is FO4N.HA undervalued?
Graham numberFO4N.HA trades 27.3% below its Graham number.
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
ageas SA/NV fundamental analysis
17 of 22 checks passedROE 1/2
Moderate return on equity (16.7%), between 10% and 20%.
ROA 0/1
Return on assets (1.6%) is below the industry median (3.1%).
Profit Consistency 2/2
Profitable for 8 consecutive years.
Earnings Growth 5Y 1/1
Earnings per share grew over the past 5 years.
Earnings Acceleration 1/1
Last year's EPS growth (46.2%) is above the 5-year average (8.0% a year).
Earnings Growth vs Industry 1/1
Last year's EPS growth (46.2%) is above the industry median (4.6%).
Revenue Growth 2/2
Revenue grew 22.7% a year over the past 3 years.
Short-term Liquidity 0/1
Current assets do not cover short-term liabilities.
Long-term Liabilities 0/1
Current assets do not cover long-term liabilities.
Debt to Equity 1/2
Moderate debt to equity (61.9%), up to 100%.
Debt Trend 0/1
Debt to equity has risen over the past 5 years.
Debt Coverage 1/1
Operating cash flow covers 20% of total debt.
Interest Coverage 1/1
EBIT is 8.5x against interest expense, well covered.
PE vs Market 1/1
PE (7.7x) is below the market median (19.6x).
PE vs Industry 1/1
PE (7.7x) is below the industry median (18.2x).
PBV 1/1
Price to book (1.5x) is below the industry median (2.0x).
Graham Number 1/1
The price is below the Graham number (PE x PB = 11.9, limit 22.5).
PEG 1/1
PEG on 5-year earnings growth is 0.96, growth is cheap.
Dividend Yield 2/2
Dividend yield (7.7%) is in the top 25% of dividend payers in the market.
Dividend Stability 0/2
Dividends were not paid steadily for the past 5 years.
Dividend Growth 1/1
Dividends paid grew over the past 5 years.
Payout Ratio 1/1
Payout ratio is 38.4%, covered by earnings.
Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score
ageas SA/NV stock price
Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.
ageas SA/NV financial statements
ageas SA/NV annual financial statements (EUR; K = thousand, M = million, B = billion, T = trillion)
| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 11.0B | 14.2B | 11.6B | 12.9B | 4.89B | 7.88B | 8.64B | 9.04B |
| Net Income | 809M | 979M | 1.14B | 845M | 1.10B | 953M | 1.12B | 1.71B |
| EPS | 4.16 | 5.14 | 6.10 | 4.55 | 5.97 | 5.19 | 6.14 | 8.98 |
| Balance Sheet | ||||||||
| Total Assets | 102B | 109B | 111B | 111B | 97.3B | 96.7B | 98.5B | 107B |
| Total Liabilities | 90.2B | 96.0B | 97.6B | 97.0B | 89.4B | 88.2B | 89.7B | 95.6B |
| Shareholders' Equity | 9.41B | 11.2B | 11.6B | 11.9B | 6.98B | 7.42B | 7.75B | 9.44B |
| Cash & Short-term Investments | 2.92B | 3.75B | 2.24B | 1.94B | 1.18B | 1.88B | 2.08B | 3.10B |
| Cash Flow | ||||||||
| Operating Cash Flow | 862M | 467M | -1.33B | -1.07B | -588M | 121M | 1.05B | 2.90B |
| Capital Expenditure | 122M | 188M | 358M | 147M | 164M | 239M | 403M | 322M |
| Free Cash Flow | 739M | 279M | -1.69B | -1.21B | -752M | -118M | 642M | 2.58B |
| Ratios | ||||||||
| ROE | 8.6% | 8.7% | 9.9% | 7.1% | 15.7% | 12.8% | 14.4% | 18.1% |
| ROA | 0.8% | 0.9% | 1.0% | 0.8% | 1.1% | 1.0% | 1.1% | 1.6% |
| Net Profit Margin | 7.3% | 6.9% | 9.8% | 6.5% | 22.4% | 12.1% | 12.9% | 18.9% |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
ageas SA/NV dividends
- Dividend yield
- 7.74%
- Forward dividend
- -
- Payout ratio
- 38.4%
- Ex-dividend date
- -
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | EUR 657M | 3.44 | 38.4% |
| 2024 | EUR 584M | 3.21 | 52.2% |
| 2023 | EUR 540M | 2.94 | 56.7% |
| 2022 | EUR 765M | 4.17 | 69.7% |
| 2021 | EUR 485M | 2.61 | 57.4% |
| 2020 | EUR 485M | 2.59 | 42.5% |
| 2019 | EUR 416M | 2.18 | 42.5% |
| 2018 | EUR 403M | 2.07 | 49.8% |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Who owns ageas SA/NV
Ownership data of ageas SA/NV is not available yet.
ageas SA/NV company profile
- Company name
- ageas SA/NV
- Ticker
- FO4N.HA
- Exchange
- Hanover Exchange
- Sector
- Other
- Industry
- Metals & Mining
- Fiscal year end
- December
- Address
- Website
- -
About ageas SA/NV
There is no Profile data available for FO4N.HA.