ASR Nederland ASRNL.AS
ASR Nederland is a Dutch diversified insurer offering life, non-life, and health insurance, as well as pension and mortgage services, with a business model focused on the domestic market. ASR Nederland presents solid fundamentals with exceptional earnings growth (647.80%) and a very high operating margin (42.40%), although its valuation (P/E 14.29) is not particularly demanding. The dividend yield (4.81%) and payout ratio (66.34%) are attractive for income investors.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
ASR Nederland is a Dutch diversified insurer offering life, non-life, and health insurance, as well as pension and mortgage services, with a business model focused on the domestic market. ASR Nederland presents solid fundamentals with exceptional earnings growth (647.80%) and a very high operating margin (42.40%), although its valuation (P/E 14.29) is not particularly demanding. The dividend yield (4.81%) and payout ratio (66.34%) are attractive for income investors.
Score by category
| Category | Score |
|---|---|
| Financial health | 5.7 |
| Quality / Moat | 7.0 |
| Valuation | 5.6 |
| Growth | 9.0 |
| Dividend | 8.0 |
| Momentum | 7.9 |
| Risk & Context | 8.3 |
OVERALL SCORE: 7.1/10
Context and risks
Country of domicile (Netherlands) with moderate governance/regulatory risk, justifying a slight penalty. The insurance sector is subject to regulatory oversight (Solvency II), but no specific material regulatory risk or litigation has been identified for this company.
News considered in the analysis
- ASR Nederland (ENXTAM:ASRNL) Stock May Trade At A Discount On Equity Returns — Análisis de valoración que sugiere que la acción cotiza con descuento respecto a su rentabilidad sobre el capital, lo que podría atraer interés inversor.
- ASR Nederland NV's Dividend Analysis — Análisis genérico del dividendo sin información nueva relevante.
- ASR Nederland NV (ASRRF) (H1 2026) Earnings Call Highlights: Record OCC and Operating Result, ... — Resultados récord en el primer semestre de 2026, con un beneficio operativo y OCC (Operating Capital Charge) en máximos, lo que refuerza la solidez del negocio.
- Financial Services Roundup: Market Talk — Resumen de mercado sin información específica sobre ASR Nederland.
- ASR Nederland NV (ASRRF) Full Year 2025 Earnings Call Highlights: Robust Growth and Strategic ... — Resultados anuales de 2025 con crecimiento sólido, ya descontados en el precio.
Verdict: Hold or buy on dips; record H1 2026 results and a solid capital position support the thesis, but the price already reflects some of the good news.
Main risk: The main risk is the sensitivity of the insurance business to interest rates and capital market developments, which can affect investment income and asset valuations.
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