ASR Nederland (A160) Stock Overview

Provides insurance, pensions, and mortgages products and services for consumers, businesses, and employers in the Netherlands. More details

A160 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	1/6
Financial Health	3/6
Dividends	2/6

Rewards

Trading at 43.5% below our estimate of its fair value

Earnings are forecast to grow 15.67% per year

Risk Analysis

Dividend of 4.9% is not well covered by earnings or free cash flows

Shares are highly illiquid

Large one-off items impacting financial results

Profit margins (2.8%) are lower than last year (6.7%)

A160 Community Fair Values

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ASR Nederland N.V. Competitors

Price History & Performance

Summary of share price highs, lows and changes for ASR Nederland
Historical stock prices
Current Share Price	€34.20
52 Week High	€34.60
52 Week Low	€34.20
Beta	0.51
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	A160	DE Insurance	DE Market
7D	n/a	1.0%	-0.4%
1Y	n/a	8.2%	-0.8%

Return vs Industry: Insufficient data to determine how A160 performed against the German Insurance industry.

Return vs Market: Insufficient data to determine how A160 performed against the German Market.

Price Volatility

Is A160's price volatile compared to industry and market?
A160 volatility
A160 Average Weekly Movement	n/a
Insurance Industry Average Movement	3.4%
Market Average Movement	5.4%
10% most volatile stocks in DE Market	12.8%
10% least volatile stocks in DE Market	2.8%

Stable Share Price: A160's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine A160's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1720	7,245	Ingrid. M. de Graaf-de Swart	www.asrnl.com

ASR Nederland N.V. provides insurance, pensions, and mortgages products and services for consumers, businesses, and employers in the Netherlands. The company operates through five segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. It offers individual and group disability, as well as sickness leave; property and casualty, including motor, fire, liability, legal aid, travel and recreation, pet, and transport insurance; and health insurance, such as basic and supplementary health insurance.

ASR Nederland N.V. Fundamentals Summary

How do ASR Nederland's earnings and revenue compare to its market cap?
A160 fundamental statistics
Market cap	€14.25b
Earnings (TTM)	€476.00m
Revenue (TTM)	€17.12b

29.9x

P/E Ratio

0.8x

P/S Ratio

Is A160 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
A160 income statement (TTM)
Revenue	€17.12b
Cost of Revenue	€8.22b
Gross Profit	€8.91b
Other Expenses	€8.43b
Earnings	€476.00m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Aug 19, 2026

Earnings per share (EPS)	2.33
Gross Margin	52.00%
Net Profit Margin	2.78%
Debt/Equity Ratio	238.1%

How did A160 perform over the long term?

See historical performance and comparison

Dividends

4.9%

Current Dividend Yield

148%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/19 05:14
End of Day Share Price	2026/07/17 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ASR Nederland N.V. is covered by 20 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Claudia Gaspari	Barclays
Michael Huttner	Berenberg
Edward Houghton	Bernstein