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ASR Nederland N.V. (ASRNL.AS)
EUR68.90
+1.02 (+1.50%)
NL AMS Financial Services Insurance - Diversified
Address
Archimedeslaan 10 3584 BA
Utrecht, NL
Utrecht, NL
CEO
Jos Baeten
Website
asrnl.com
IPO
2016-06-10
ISIN NL0011872643
Description
ASR Nederland N.V. is a Dutch financial services provider that delivers a range of products including insurance coverage, pension plans, and mortgage solutions. It serves a broad customer base, encompassing individuals, independent professionals, and corporate clients. The company's business activities are structured across five distinct divisions: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. Beyond its core offerings, ASR Nederland is involved in distributing various insurance policies, furnishing financial intermediary assistance, and executing real estate development ventures. Additionally, it functions as an asset manager for external parties. The firm markets its products under several recognized brands, such as De Amersfoortse, Loyalis, Ditzo, Europeesche Verzekeringen, and Ardanta. Founded in 1720, the company operated as Fortis Verzekeringen Nederland N.V. until it rebranded as ASR Nederland N.V. in October 2008. Its headquarters are situated in Utrecht, the Netherlands.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
EUR68.90
+1.02 (+1.50%)
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Volume Profile
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Liquidity & share structure
Average Volume
476.5K
Beta
0.51
Float Shares
204.49M
Free Float %
99.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.53% | -2.58% | -0.40% | +4.65% | +10.56% | +6.07% | +13.85% | +58.84% | +82.62% | +221.50% | +221.50% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (2 ratings, all time)
Buy
Price Targets & DCF
Current price
68.90
Ratings Trend (MoM)
69% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | 0 |
| Buy | 7 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.69
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%-4.4% Q4'25: +20.6% (vs Q4'23)
-
EPS growth Insurance - Diversified: +25.3%-34.8% Q4'25: -39.2% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%-12.9% Q4'25: +1.5% (vs Q4'23)
-
EBIT margin Insurance - Diversified: +13.5%+34.1% ★ Q4'25: +34.2% (vs Q4'23)
-
ROIC Insurance - Diversified: +4.2%+33.4% ★ Q4'25: +70.0% (vs Q4'23)
-
Share dilution Insurance - Diversified: +0.0%-11.2% ★ Q4'25: -11.9% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×1.55× Q4'25: 0.75× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 9 EPS Ana. |
Dec 2027 2 Rev. Ana. 8 EPS Ana. |
Dec 2028 2 Rev. Ana. 5 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
6.63B
est: 4.43B (+49.6%)
|
6.12B
est: 4.13B (+48.1%)
|
5.78B
est: 4.69B (+23.2%)
|
7.99B
est: 4.69B (+70.4%)
|
7.51B
est: 5.29B (+41.9%)
|
9.82B
est: 5.77B (+70.2%)
|
-10.55B
est: 6.11B (-272.7%)
|
12.76B
est: 15.37B (-17.0%)
|
20.64B
est: 8.21B (+151.3%)
|
19.73B
est: 6.22B (+217.0%)
|
6.44B
5.59B – 7.28B
+3.4% YoY
|
6.83B
6.60B – 7.05B
+6.1% YoY
|
6.83B
6.26B – 7.41B
+0.1% YoY
|
7.06B
6.46B – 7.65B
+3.3% YoY
|
7.27B
6.66B – 7.88B
+3.0% YoY
|
| EBITDA |
1.03B
est: 948.53M (+8.6%)
|
1.25B
est: 822.56M (+51.7%)
|
1.19B
est: 1.19B (-0.3%)
|
1.54B
est: 935.02M (+64.6%)
|
1.18B
est: 1.36B (-13.3%)
|
1.62B
est: 1.38B (+17.9%)
|
-1.83B
est: 1.39B (-231.1%)
|
4.07B
est: 3.85B (+5.5%)
|
5.27B
est: 2.10B (+151.4%)
|
6.73B
est: 1.56B (+331.0%)
|
1.61B
1.40B – 1.83B
+3.4% YoY
|
1.71B
1.66B – 1.77B
+6.1% YoY
|
1.71B
1.57B – 1.86B
+0.1% YoY
|
1.77B
1.62B – 1.92B
+3.3% YoY
|
1.82B
1.67B – 1.98B
+3.0% YoY
|
| EBIT |
1.02B
est: 947.34M (+7.6%)
|
1.23B
est: 796.48M (+54.9%)
|
1.16B
est: 1.16B (-0.3%)
|
1.50B
est: 1.01B (+47.4%)
|
1.16B
est: 1.38B (-16.1%)
|
1.57B
est: 1.39B (+12.7%)
|
-1.87B
est: 1.41B (-232.9%)
|
3.98B
est: 3.86B (+3.0%)
|
5.48B
est: 2.10B (+160.7%)
|
6.73B
est: 1.56B (+330.4%)
|
1.62B
1.40B – 1.83B
+3.4% YoY
|
1.71B
1.66B – 1.77B
+6.1% YoY
|
1.72B
1.57B – 1.86B
+0.1% YoY
|
1.77B
1.62B – 1.92B
+3.3% YoY
|
1.83B
1.67B – 1.98B
+3.0% YoY
|
| Net Income |
625.00M
est: 651.19M (-4.0%)
|
872.00M
est: 613.89M (+42.0%)
|
610.00M
est: 936.44M (-34.9%)
|
912.00M
est: 702.31M (+29.9%)
|
609.00M
est: 1.06B (-42.4%)
|
894.00M
est: 1.07B (-16.1%)
|
-1.76B
est: 2.54B (-169.1%)
|
1.04B
est: 767.00M (+35.3%)
|
883.00M
est: 1.04B (-15.3%)
|
582.00M
est: 1.03B (-43.5%)
|
1.21B
1.12B – 1.35B
+17.3% YoY
|
1.24B
1.21B – 1.38B
+2.5% YoY
|
1.27B
1.21B – 1.56B
+2.3% YoY
|
1.35B
1.20B – 1.50B
+6.8% YoY
|
1.40B
1.25B – 1.56B
+3.8% YoY
|
| SGA |
100.00M
est: 28.15M (+255.2%)
|
94.00M
est: 442.49M (-78.8%)
|
105.00M
est: 502.33M (-79.1%)
|
108.00M
est: 534.59M (-79.8%)
|
115.00M
est: 597.55M (-80.8%)
|
130.00M
est: 602.57M (-78.4%)
|
133.00M
est: 609.73M (-78.2%)
|
202.00M
est: 50.60M (+299.2%)
|
—
est: 27.54M (-100.0%)
|
—
est: 20.48M (-100.0%)
|
21.19M
18.40M – 23.97M
+3.4% YoY
|
22.47M
21.73M – 23.21M
+6.1% YoY
|
22.49M
20.59M – 24.38M
+0.1% YoY
|
23.23M
21.27M – 25.18M
+3.3% YoY
|
23.94M
21.92M – 25.95M
+3.0% YoY
|
| EPS |
4.17
est: 2.80 (+48.8%)
|
6.03
est: 3.81 (+58.3%)
|
4.33
est: 3.94 (+9.8%)
|
6.47
est: 4.25 (+52.2%)
|
4.38
est: 4.26 (+2.8%)
|
6.56
est: 5.16 (+27.1%)
|
-12.83
est: 5.18 (-347.8%)
|
4.92
est: 3.64 (+35.2%)
|
4.18
est: 3.52 (+18.6%)
|
2.47
est: 5.61 (-56.0%)
|
5.95
5.41 – 6.54
+6.0% YoY
|
6.30
5.85 – 6.67
+6.0% YoY
|
6.68
5.87 – 7.58
+6.0% YoY
|
6.56
5.84 – 7.27
-1.8% YoY
|
6.81
6.06 – 7.55
+3.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-28 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-27 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-26 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-25 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-22 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-21 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-20 | C | 2/5 | 1/5 | 3/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-19 | C | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-18 | C | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-15 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-14 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-13 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-12 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-11 | C | 2/5 | 1/5 | 2/5 | 2/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-05 | C | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-04 | C | 2/5 | 1/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-30 | C | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-15 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-658.60M
OE per share TTM
-2.95
Owner's Yield
-4.94%
Maintenance CapEx ratio
19.26%
Maint CapEx / Avg PPE
5.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.57M
Shares Outstanding
206.63M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jos Baeten | Chairman of the Executive Board & Chief Executive Officer | 2M | male |
| Ingrid. A. de Graaf-de Swart | Chief Operating Officer, Chief Technology Officer & Member of the Executive Board | 2M | female |
| Ewout Hollegien | Member of Executive Board & Chief Financial Officer | 1M | male |
| Michel Hülters | Head of Investor Relations & Ratings | — | male |
| Patrick Klijnsmit | Chief Executive Officer a.s.r. asset management | — | male |
| Rozan E. Dekker Rozan | CRO & Member of the Executive Board | — | female |
| Dick Gort | Chief Executive Officer of Real Estate | — | male |
| Willem van den Berg | Chief Operating Officer of Life & Member of the Executive Board | — | male |
| Diederik Schouten | Deputy Director & Head of Operations of Pensions | — | male |
| Jolanda Sappelli | CHRO & Member of the Executive Board | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for ASRNL.AS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
