ASR Nederland N.V stock analysis
ASR Nederland N.V (0RHS) Share Price & Analysis
0RHS Stock Chart & Stats
- Day’s Range
- EUR 79.80 - EUR 80.28
- 52-Week Range
- EUR 56.00 - EUR 80.28
- Previous Close
- EUR 79.76
- Volume
- N/A
- Average Volume (3M)
- 68.95K
- Market Cap
- EUR 16.03B
- Enterprise Value
- EUR 25.05B
- Total Cash (Recent Filing)
- EUR 3.76B
- Total Debt (Recent Filing)
- EUR 10.37B
- Price to Earnings (P/E)
- 13.9
- Beta
- 0.75
- Next Earnings
- Feb 17, 2027 (Est.)
- EPS Estimate
- 2.86
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.42%
Bulls Say, Bears Say
Bulls Say
Revenue Expansion
Meaningful revenue expansion, including a sharp 2025 increase, indicates that a.s.r. continues to grow its insurance and financial-services activity. A larger revenue base can support operating scale, broaden earnings capacity, and provide a stronger platform for sustaining business investment over the coming quarters.
Business Diversification
a.s.r. combines non-life and life insurance with pensions, asset management and related distribution services. This breadth provides multiple sources of premiums, fees and investment income, reducing reliance on one product line and supporting a more resilient earnings model across customer groups.
Return To Profitability
After the 2022 loss, a.s.r. returned to profitability in each of 2023 through 2025, while return on equity remained positive. This demonstrates that the group retains the ability to generate earnings across its insurance and financial-services operations despite recent pressure on margins.
Bears Say
Higher Leverage
Leverage has increased materially since 2022 and the decline in equity has reduced a.s.r.'s capital cushion. Higher balance-sheet leverage can constrain financial flexibility, make capital allocation more cautious, and leave less capacity to absorb adverse claims, investment or earnings developments.
Negative Cash Generation
Negative operating and free cash flow across the two most recent annual periods weakens confidence in the durability of reported earnings. If this pattern persists, a.s.r. may have less internally generated cash available for capital needs, investment, distributions or other strategic priorities.
Margin Compression
The sharp decline in net margin shows that revenue growth has not translated proportionally into profit growth. Lower profitability and the earlier 2022 loss indicate a less stable earnings profile, which could limit capital generation and reduce the resilience of returns over the next several quarters.
ASR Nederland N.V News
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Company Description
ASR Nederland N.V
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.
- Sector
- General
- Industry
- Insurance - Diversified
- CEO
- Ingrid A. de Graaf-de Swart
- Employees
- 9,542
- Website
- www.asrnl.com
- Address
- Archimedeslaan 10, Utrecht, UT, 3584 BA, NL
ASR Nederland N.V (0RHS) Earnings & Revenues
0RHS Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 2 | 6 |
| Technical Analysis | 2 | 2 | 6 |
| Moving Averages | 12 | 0 | 0 |





