Amount off the current price
is available for.
Share price is
vs Future cash flow value of
Current Discount Checks
to be considered undervalued it must be available for at least 20% below the
current price. Less than 40% is even better.
ageas's share price is below the future cash flow value, and at a moderate discount (> 20%).
ageas's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
ageas's earnings available for a low price, and how does
this compare to other companies in the same industry?
ageas's earnings are expected to grow by 4.1% yearly, however this is not considered high growth (20% yearly).
ageas's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
ageas's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
4/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Bart De Smet serves as Vice-Chairman of the Board at AG Insurance SA. He serves as Director at Taiping Life Insurance Company Limited since 2013. He earned a degree in mathematical sciences from the Catholic University of Louvain (KULeuven), but also has diplomas in Actuarial Sciences (KULeuven) and Managerial Sciences (KULeuven). He began his career with Argenta in 1982. From 1985 to 1993, he served as Executive Vice President of the Life division at the Belgian subsidiary of the Swiss insurance company National Suisse. In 1994, he joined ING Insurance Belgium, where he was a member of the ExCo. He moved to Fortis in 1998, where he was a member of the management committee of Fortis AG and responsible for Fortis Employee Benefits. In 2005, he took charge of the Broker Channel at Fortis Insurance Belgium, assuming the position of CEO of Fortis Insurance Belgium in 2007. In June 2009 he became CEO of Fortis, which was renamed Ageas following the AGM in April 2010.
Bart's compensation has been consistent with company performance over the past year, both up more than 20%.
Bart's remuneration is higher than average for companies of similar size in Belgium.
Management Team Tenure
Average tenure and age of the
management team in years:
The average tenure for the ageas management team is over 5 years, this suggests they are a seasoned and experienced team.
Bart De Smet
CEO & Executive Director
CFO & Executive Director
Antonio Cano Y Bosque
COO & Executive Director
Filip André Coremans
Chief Risk Officer & Executive Director
Head of Legal
Emmanuel Van Grimbergen
Stefan Georges Braekeveldt
Chief Executive Officer of Continental Europe
Gary Lee Crist
Chief Executive Officer of Asia
Chief Executive Officer of United Kingdom
Valerie Van Zeveren
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the ageas board of directors is about average.
Is Now The Time To Put ageas (EBR:AGS) On Your Watchlist?
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Why ageas SA/NV (EBR:AGS) Could Have A Place In Your Portfolio
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Could The ageas SA/NV (EBR:AGS) Ownership Structure Tell Us Something Useful?
We'd expect to see both institutions and retail investors owning a portion of the company. … Our analysis of the ownership of the company, below, shows that. … institutional investors have bought into the company.
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What Kind Of Shareholder Appears On The ageas SA/NV's (EBR:AGS) Shareholder Register?
The big shareholder groups in ageas SA/NV (EBR:AGS) have power over the company. … With a market capitalization of €8.5b, ageas is rather large. … Our analysis of the ownership of the company, below, shows that.
Does ageas SA/NV's (EBR:AGS) CEO Salary Reflect Performance?
This analysis aims first to contrast CEO compensation with other large companies. … According to our data, ageas SA/NV has a market capitalization of €8.8b, and pays its CEO total annual compensation worth €2m. … We took a group of companies with market capitalizations over €7.1b, and calculated the median CEO compensation to be €2m.
Here's How P/E Ratios Can Help Us Understand ageas SA/NV (EBR:AGS)
This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … We'll look at ageas SA/NV's (EBR:AGS) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
If You Bought ageas SA/NV (EBR:AGS) Today, There May Be An Upside
One of the most difficult industry to value is insurance, given that they adhere to different rules compared to other companies. … Industry-specific factors, such as gross written premiums are crucial in understanding how insurance companies make money.
Why ageas SA/NV's (EBR:AGS) Investor Composition Impacts Your Returns
Today, I will be analyzing ageas SA/NV’s (EBR:AGS) recent ownership structure, an important but not-so-popular subject among individual investors. … A company's ownership structure is often linked to its share performance in both the long- and short-term. … Differences in ownership structure of companies can have a profound effect on how management's incentives are aligned with shareholder returns, and whether they adhere to corporate governance best practices.
ageas SA/NV, together with its subsidiaries, engages in insurance business in Europe and Asia. It operates through Belgium, United Kingdom, Continental Europe, Asia, and Reinsurance segments. 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 based in Brussels, Belgium.
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