1. Netherlands Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
ASR Nederland N.V.

ASR Nederland N.V.

74.66
EUR
+0.04
(+0.05%)
13.52BMarket Cap
Feb 17Next Earn
ASR Nederland N.V.
VIE:ASRN
(Vienna Stock Exchange)

Recent

price

74.66

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
359.95
371.63
392.27
358.83
42.59
41.32
57.06
54.56
71.44
14.95
86
85.14
63.5
- -
Revenue per Share
13.76
24
33.65
35.73
6.34
4.75
6.89
4.72
6.91
-12.47
6.07
4.54
2.65
- -
Basic EPS, GAAP
-46.35
86.72
-27.84
59.57
2.64
5.21
-5.44
2.44
-1.39
-8.4
19.92
-3.46
-2.91
- -
Free Cash Flow per Basic Share
4.69
5.28
7.41
9.07
1.29
2.28
1.79
1.96
2.09
2.53
2.71
2.98
3.24
- -
Dividend per Share
24.5
24.86
28.5
29.87
37.73
38.86
43.29
45.77
52.83
41.58
44.24
47.1
49.43
51.21
Book Value per Share
22.81
23.93
26.51
27.7
35.42
36.26
39.98
43.26
50.55
39.4
41.17
44.27
45.5
47.37
Tangible Book Value per Share
19
19
19
19
145
141
141
139
136
137
179
211
206
201
Basic Weighted Avg Shares
6,749
6,968
7,355
6,728
6,158
5,826
8,039
7,580
9,734
2,048
15,380
17,947
13,109
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
30
29
25
23
24
26
43
48
52
48
78
113
150
- -
Depreciation Expense
258
450
631
670
917
670
971
656
942
-1,709
1,085
958
548
- -
Net Income, GAAP
23.34
20.22
19.48
23.51
19.63
21.68
19.83
20.75
22.33
- -
21.52
26.43
18.82
- -
Effective Tax Rate (%)
3.82
6.46
8.58
9.96
14.89
11.5
12.08
8.65
9.68
-83.45
7.05
5.34
4.18
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
725
3,367
2,336
3,420
2,776
3,222
6,557
9,041
6,916
4,457
12,901
10,692
8,914
8,867
LT Debt
3,657
3,709
4,259
4,471
5,432
5,479
6,093
6,313
7,192
6,177
9,377
9,887
10,124
10,489
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
11.83
11.63
11.34
12.64
10.31
11.18
6.06
7.89
- -
16.97
16.78
25.91
- -
Return on Capital (%)
- -
12.16
15.77
15.3
18.5
12.28
16.78
10.58
13.97
-25.65
14.01
9.99
5.49
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
9,522
8,794
8,867
LT Finance Leases
- -
120
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
207
205
205
Market Capitalization
- -
- -
13,521

Working Capital

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6,278
5,347
3,756
Accounts Receivable, Net
- -
103
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.16%
11.89%
2.4%
Free Cash Flow
-83.06%
-38.87%
-17.56%
Net Income, GAAP
-42.72%
-91.16%
-42.8%
Sales/Revenue/Turnover
60.01%
118.03%
-26.96%
Total Cash Common Dividend
19.27%
20.47%
6.36%

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
17,947
2025
- -
- -
13,109
2026
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
4.54
2025
- -
- -
2.65
2026
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
2.98
2025
- -
- -
3.24
2026
- -
- -
- -
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Business
ASR Nederland N.V. (a.s.r.) is a leading Dutch insurance group that provides a broad range of non-life, life, health, pension, mortgage, banking, asset management, distribution, and real estate services to consumers, businesses, and institutional investors primarily in the Netherlands. The company offers non-life insurance products including motor vehicle, fire, liability, travel, leisure, transport, agricultural, construction, pet, and legal assistance coverage; life insurance encompassing asset-building, asset protection, term life, family income protection, and funeral expenses; health insurance with basic and supplementary policies focused on care services; pensions through defined contribution plans, buy-outs, and annuities for SMEs, large enterprises, and pension funds; mortgages under the WelThuis brand; asset management services covering corporate bonds, government bonds, equities, investment property, non-listed sector funds in retail, residential, offices, science parks, agricultural land, renewables, and international real estate; and distribution via intermediaries under brands such as a.s.r., Aegon, Loyalis, TKP, and wijzeringeldzaken. Headquartered in Utrecht, Netherlands, with operations from four locations in the country, a.s.r. traces its roots to 1720 through predecessor entities and was restructured in its current form in 2008 following the Dutch government's intervention in Fortis. In recent developments, a.s.r. completed the acquisition of Aegon Nederland in 2023, with integration reaching its final phase in the first half of 2025, delivering cost synergies, portfolio migrations including two-thirds of Aegon mortgages and over 60% of individual life policies, and combined leadership in life insurance, disability, and pensions; executed three major pension buy-outs totaling EUR 2.9 billion; acquired the remaining stake in HumanTotalCare to bolster occupational health and reintegration services; announced a EUR 150 million share repurchase in September 2025 as part of Aegon's selldown; issued a EUR 500 million Perpetual Restricted Tier 1 security in April 2025; and reported strong HY 2025 results with operating profit up 22% to EUR 826 million, Solvency II ratio at 203%, and operating ROE of 14.4%.