1. Netherlands Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
ASR Nederland N.V.

ASR Nederland N.V.

75.04
EUR
+0.50
(+0.67%)
13.44BMarket Cap
Feb 17Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
-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
- -
Dividend per 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
- -
Book Value 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
Tangible 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
Basic Weighted Avg Shares
19
19
19
19
145
141
141
139
136
137
179
211
206
201
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
30
29
25
23
24
26
43
48
52
48
78
113
150
- -
Net Income, GAAP
258
450
631
670
917
670
971
656
942
-1,709
1,085
958
548
- -
Effective Tax Rate (%)
23.34
20.22
19.48
23.51
19.63
21.68
19.83
20.75
22.33
- -
21.52
26.43
18.82
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
Total Equity
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
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on 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 Common Equity (%)
- -
12.16
15.77
15.3
18.5
12.28
16.78
10.58
13.97
-25.65
14.01
9.99
5.49
- -

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
- -
12,421
13,439

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
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ingrid M. A. de Graaf-de Swart
Full Time Employees
9,718
Sector
Finance
Industry
Multi-line insurance
Address
Archimedeslaan 10 Utrecht UT Netherlands 3584 BA
IPO Date
Jun 10, 2016
Website
asrnederland.nl
Similar Companies
Aditya Birla Capital Ltd. (NSE:ABCAPITAL)
Lemonade, Inc. (NYSE:LMND)
Allianz SE (XETR:ALV)
Progressive Corporation (The) (NYSE:PGR)
Turkiye Sigorta A.S. (BIST:TURSG)
Allstate Corporation (The) (NYSE:ALL)
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%.