Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
ASR Nederland N.V. is a leading Dutch insurance group headquartered in Utrecht, recognized as the second-largest insurer in the Netherlands. It provides a comprehensive range of financial products, including non-life insurance such as road traffic, fire, third-party liability, and legal assistance for retail customers and businesses; life insurance covering asset-building, protection, family income, and funeral expenses; pensions for SMEs, large enterprises, and pension funds; and health insurance with personalized care services. The company also offers specialized products like funeral insurance, the WelThuis hypotheek mortgage, and asset management focused on long-term sustainable investments, alongside real estate investments in residential, commercial, agricultural properties, and renewables for institutional clients. Formed in 2008 from the restructuring of Fortis insurance operations during the financial crisis, ASR Nederland N.V. emphasizes customer-centric service, transparency, reliability, and sustainability, primarily serving private individuals, self-employed professionals, and small to medium enterprises through intermediaries and digital channels. Its operations reflect a commitment to financial security and business continuity in the Dutch market.
€66.16
+€0.12 (+0.18%)
EOD Jun 26, 2026 · Twelve Data
Net margin is thin at 4.31%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 27.0% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 25x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 41% YoY, profitability momentum has weakened.
24.7x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€13.11B
▼ -27.0% YoY
Net Income (TTM)
€565M
▼ -40.9% YoY
Net Margin
4.31%
P/E
24.7x
Balance Sheet
Total Assets
€142.15B
Equity
€10.12B
Total Debt
€8.91B
Cash & Equiv.
€5.35B
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At a P/E of 24.7, ASR Nederland (ASRNL.XAMS)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, ASR Nederland scores 41/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 4.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
ASR Nederland scores 41 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, ASR Nederland pays a regular dividend of about €3.17 per share per year (typically in quarterly installments), a yield of roughly 4.8% at the current price. That is a payout ratio of about 118.4% of earnings, so the dividend is stretched at this level. ASR Nederland has grown the dividend at roughly 23.8% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ASRNL.XAMS's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh ASRNL.XAMS's valuation and scores 41/100 on quality (mixed). It also yields about 4.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.