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Also traded in: Belgium, Germany, Italy, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.73
AGESY's Cash to Debt is ranked lower than
56% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. AGESY: 1.73 )
Ranked among companies with meaningful Cash to Debt only.
AGESY' s Cash to Debt Range Over the Past 10 Years
Min: -93.06  Med: 1.07 Max: N/A
Current: 1.73
-93.06
N/A
Equity to Asset 0.10
AGESY's Equity to Asset is ranked lower than
95% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. AGESY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
AGESY' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 3.02
AGESY's Interest Coverage is ranked lower than
92% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.46 vs. AGESY: 3.02 )
Ranked among companies with meaningful Interest Coverage only.
AGESY' s Interest Coverage Range Over the Past 10 Years
Min: 0.64  Med: 2.37 Max: N/A
Current: 3.02
F-Score: 4
WACC vs ROIC
6.89%
0.60%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 2.40
AGESY's Operating margin (%) is ranked lower than
83% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.31 vs. AGESY: 2.40 )
Ranked among companies with meaningful Operating margin (%) only.
AGESY' s Operating margin (%) Range Over the Past 10 Years
Min: -1.91  Med: 7.99 Max: 74.36
Current: 2.4
-1.91
74.36
Net-margin (%) -0.81
AGESY's Net-margin (%) is ranked lower than
91% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.48 vs. AGESY: -0.81 )
Ranked among companies with meaningful Net-margin (%) only.
AGESY' s Net-margin (%) Range Over the Past 10 Years
Min: -303.69  Med: 3.72 Max: 8.31
Current: -0.81
-303.69
8.31
ROE (%) -0.94
AGESY's ROE (%) is ranked lower than
90% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.19 vs. AGESY: -0.94 )
Ranked among companies with meaningful ROE (%) only.
AGESY' s ROE (%) Range Over the Past 10 Years
Min: -140.67  Med: 6.68 Max: 21.99
Current: -0.94
-140.67
21.99
ROA (%) -0.10
AGESY's ROA (%) is ranked lower than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. AGESY: -0.10 )
Ranked among companies with meaningful ROA (%) only.
AGESY' s ROA (%) Range Over the Past 10 Years
Min: -5.81  Med: 0.54 Max: 1.41
Current: -0.1
-5.81
1.41
Revenue Growth (3Y)(%) -1.20
AGESY's Revenue Growth (3Y)(%) is ranked lower than
83% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. AGESY: -1.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AGESY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.05 Max: 12.4
Current: -1.2
0
12.4
EBITDA Growth (3Y)(%) -1.50
AGESY's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. AGESY: -1.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AGESY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -23.85 Max: 102.2
Current: -1.5
0
102.2
EPS Growth (3Y)(%) 4.50
AGESY's EPS Growth (3Y)(%) is ranked lower than
64% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. AGESY: 4.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AGESY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -60.7  Med: -9.45 Max: 40.3
Current: 4.5
-60.7
40.3
» AGESY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:OTCPK:AMIGY, NYSE:Y, NYSE:WRB, NYSE:CNA, OTCPK:RSNAY, NYSE:AFG, NYSE:XL, OTCPK:IFCZF, OTCPK:APLCY, NYSE:AXS, OTCPK:IAUGF, OTCPK:HCXLF, NAS:AFSI, NYSE:WTM, OTCPK:EURHY, OTCPK:QBIEY, NYSE:THG, NAS:CINF, OTCPK:SNMCY, OTCPK:FRFHF » details
Traded in other countries:AGS.Belgium, FO4N.Germany, AGS.Italy, AGS.Switzerland, 0Q99.UK,
Ageas NV is a an international insurance company. It offers individual life and employee benefits insurance products, as well as non-life insurance products, including insurance for private car, fire and other damage to property, and among others.

Ageas NV was incorporated on November 6, 1993. It is an international insurance company. The Company offers individual life and employee benefits insurance products, as well as non-life insurance products, including insurance for private car, fire and other damage to property, and among others. The Company's operating segments are Belgium, United Kingdom, Continental Europe, Asia and General account. The Belgian insurance activities operates under the name of AG Insurance engaged in providing life and non-life insurance through various channels such as independent brokers and via the bank channels of BNP Paribas Fortis SA/NV and its subsidiaries. It business in the UK is a national provider of Nonlife insurance solutions. The UK business has presence in the personal lines market and is continuing to expand its commercial lines proposition. Continental Europe consists of the insurance activities of Ageas in Europe, excluding Belgium and the United Kingdom. It is active in five markets: Portugal, France, Italy and Luxembourg and since 2011 Turkey, the product range includes Life (in Portugal, France and Luxembourg) and Non-life (in Portugal, Italy and Turkey). It is active in a number of countries in Asia with its regional office and the fully owned subsidiary both based in Hong Kong. The other activities are organised in the form of joint ventures with local partners and financial institutions in China (20-24.9% owned by Ageas), Malaysia (30.95% owned by Ageas), Thailand (15-31% owned by Ageas), India (26% owned by Ageas) and the Philippines (25% owned by Ageas). The General Account comprises activities not related to the core insurance business, such as Group financing and other holding activities.

Ratios

vs
industry
vs
history
Forward P/E 7.01
AGESY's Forward P/E is ranked higher than
98% of the 45 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.99 vs. AGESY: 7.01 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.66
AGESY's P/B is ranked higher than
87% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. AGESY: 0.66 )
Ranked among companies with meaningful P/B only.
AGESY' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.64 Max: 0.88
Current: 0.66
0.36
0.88
P/S 0.55
AGESY's P/S is ranked higher than
86% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. AGESY: 0.55 )
Ranked among companies with meaningful P/S only.
AGESY' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 0.48 Max: 1.96
Current: 0.55
0.21
1.96
PFCF 66.20
AGESY's PFCF is ranked lower than
96% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.99 vs. AGESY: 66.20 )
Ranked among companies with meaningful PFCF only.
AGESY' s PFCF Range Over the Past 10 Years
Min: 0.85  Med: 2.91 Max: 74.07
Current: 66.2
0.85
74.07
POCF 30.70
AGESY's POCF is ranked lower than
93% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.42 vs. AGESY: 30.70 )
Ranked among companies with meaningful POCF only.
AGESY' s POCF Range Over the Past 10 Years
Min: 0.85  Med: 2.69 Max: 34.34
Current: 30.7
0.85
34.34
EV-to-EBIT 17.33
AGESY's EV-to-EBIT is ranked lower than
81% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. AGESY: 17.33 )
Ranked among companies with meaningful EV-to-EBIT only.
AGESY' s EV-to-EBIT Range Over the Past 10 Years
Min: -58.9  Med: 7.10 Max: 19.7
Current: 17.33
-58.9
19.7
EV-to-EBITDA 5.75
AGESY's EV-to-EBITDA is ranked higher than
76% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.62 vs. AGESY: 5.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
AGESY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.3  Med: 4.20 Max: 554.5
Current: 5.75
0.3
554.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.28
AGESY's Dividend Yield is ranked higher than
82% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.96 vs. AGESY: 5.28 )
Ranked among companies with meaningful Dividend Yield only.
AGESY' s Dividend Yield Range Over the Past 10 Years
Min: 2.48  Med: 4.03 Max: 6.48
Current: 5.28
2.48
6.48
Dividend Growth (3y) 24.70
AGESY's Dividend Growth (3y) is ranked higher than
78% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. AGESY: 24.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
AGESY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 32.6
Current: 24.7
0
32.6
Forward Dividend Yield 5.28
AGESY's Forward Dividend Yield is ranked higher than
80% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.23 vs. AGESY: 5.28 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 15.83
AGESY's Yield on cost (5-Year) is ranked higher than
92% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.59 vs. AGESY: 15.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AGESY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 7.45  Med: 12.10 Max: 19.46
Current: 15.83
7.45
19.46
3-Year Average Share Buyback Ratio 2.90
AGESY's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. AGESY: 2.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
AGESY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.2  Med: 0.55 Max: 4.3
Current: 2.9
-24.2
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.78
AGESY's Price/Tangible Book is ranked higher than
84% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. AGESY: 0.78 )
Ranked among companies with meaningful Price/Tangible Book only.
AGESY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 0.76 Max: 0.99
Current: 0.78
0.47
0.99
Price/Projected FCF 0.30
AGESY's Price/Projected FCF is ranked higher than
91% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. AGESY: 0.30 )
Ranked among companies with meaningful Price/Projected FCF only.
AGESY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.28 Max: 0.37
Current: 0.3
0.1
0.37
Price/Median PS Value 1.17
AGESY's Price/Median PS Value is ranked lower than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. AGESY: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
AGESY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.55  Med: 1.01 Max: 3.92
Current: 1.17
0.55
3.92
Earnings Yield (Greenblatt) (%) 5.80
AGESY's Earnings Yield (Greenblatt) (%) is ranked lower than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. AGESY: 5.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AGESY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.1  Med: 13.70 Max: 53.6
Current: 5.8
5.1
53.6
Forward Rate of Return (Yacktman) (%) 46.67
AGESY's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.94 vs. AGESY: 46.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AGESY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 28  Med: 52.50 Max: 85.1
Current: 46.67
28
85.1

More Statistics

Revenue (TTM) (Mil) $14,254
EPS (TTM) $ -0.60
Beta1.00
Short Percentage of Float0.00%
52-Week Range $35.64 - 47.27
Shares Outstanding (Mil)210.29

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 7,100 7,219
EPS ($) 4.98 4.15
EPS w/o NRI ($) 4.98 4.15
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
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