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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 1.98
AGESY's Cash-to-Debt is ranked lower than
53% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. AGESY: 1.98 )
Ranked among companies with meaningful Cash-to-Debt only.
AGESY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 1.1 Max: 6.72
Current: 1.98
0.07
6.72
Equity-to-Asset 0.09
AGESY's Equity-to-Asset is ranked lower than
96% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. AGESY: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
AGESY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.09 Max: 0.11
Current: 0.09
0.03
0.11
Interest Coverage 4.36
AGESY's Interest Coverage is ranked lower than
89% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.75 vs. AGESY: 4.36 )
Ranked among companies with meaningful Interest Coverage only.
AGESY' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 4.36 Max: N/A
Current: 4.36
WACC vs ROIC
5.71%
2.24%
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 : 4/10

vs
industry
vs
history
Operating Margin % 3.17
AGESY's Operating Margin % is ranked lower than
76% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. AGESY: 3.17 )
Ranked among companies with meaningful Operating Margin % only.
AGESY' s Operating Margin % Range Over the Past 10 Years
Min: -3.72  Med: 6.3 Max: 8.51
Current: 3.17
-3.72
8.51
Net Margin % 0.20
AGESY's Net Margin % is ranked lower than
91% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.62 vs. AGESY: 0.20 )
Ranked among companies with meaningful Net Margin % only.
AGESY' s Net Margin % Range Over the Past 10 Years
Min: -323.89  Med: 3.79 Max: 27.98
Current: 0.2
-323.89
27.98
ROE % 0.18
AGESY's ROE % is ranked lower than
91% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. AGESY: 0.18 )
Ranked among companies with meaningful ROE % only.
AGESY' s ROE % Range Over the Past 10 Years
Min: -140.67  Med: 5.65 Max: 15.89
Current: 0.18
-140.67
15.89
ROA % 0.03
AGESY's ROA % is ranked lower than
91% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. AGESY: 0.03 )
Ranked among companies with meaningful ROA % only.
AGESY' s ROA % Range Over the Past 10 Years
Min: -5.81  Med: 0.49 Max: 1.43
Current: 0.03
-5.81
1.43
3-Year Revenue Growth Rate 4.10
AGESY's 3-Year Revenue Growth Rate is ranked lower than
61% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. AGESY: 4.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
AGESY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -61.7  Med: 1.1 Max: 15.8
Current: 4.1
-61.7
15.8
3-Year EBITDA Growth Rate -7.50
AGESY's 3-Year EBITDA Growth Rate is ranked lower than
66% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. AGESY: -7.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
AGESY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -77.7  Med: -7.5 Max: 195.9
Current: -7.5
-77.7
195.9
3-Year EPS without NRI Growth Rate -62.60
AGESY's 3-Year EPS without NRI Growth Rate is ranked lower than
98% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 vs. AGESY: -62.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
AGESY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -72  Med: -5.6 Max: 40.4
Current: -62.6
-72
40.4
GuruFocus has detected 4 Warning Signs with Ageas NV $AGESY.
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» AGESY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126 
Compare: » details
Traded in other countries:AGS.Belgium, FO4N.Germany, AGS.Italy, AGS.Switzerland, 0Q99.UK,
Headquarter Location:Belgium
Ageas NV is an international property and casualty insurance company. The company's insurance business is grouped into four geographic regions--Belgium, the United Kingdom, the rest of Continental Europe, and Asia.

Ageas is an international property and casualty insurance company that provides a wide range of products across Europe and Asia. The company's insurance business is grouped in four geographic regions--Belgium, the United Kingdom, the rest of Continental Europe, and Asia--with the vast majority of revenue derived from Belgium. Its life insurance is the dominant type of insurance when measured by revenue. The company's investment mix is heavily exposed to sovereign bonds, followed by corporate bonds. Ageas takes a long-term stakeholder approach toward generating sustainable growth.

Ratios

vs
industry
vs
history
PE Ratio 209.14
AGESY's PE Ratio is ranked lower than
98% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. AGESY: 209.14 )
Ranked among companies with meaningful PE Ratio only.
AGESY' s PE Ratio Range Over the Past 10 Years
Min: 4.76  Med: 12.98 Max: 222.38
Current: 209.14
4.76
222.38
Forward PE Ratio 11.56
AGESY's Forward PE Ratio is ranked higher than
87% of the 46 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.03 vs. AGESY: 11.56 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 209.14
AGESY's PE Ratio without NRI is ranked lower than
100% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. AGESY: 209.14 )
Ranked among companies with meaningful PE Ratio without NRI only.
AGESY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.76  Med: 13 Max: 223.61
Current: 209.14
4.76
223.61
Price-to-Owner-Earnings 324.50
AGESY's Price-to-Owner-Earnings is ranked lower than
99% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.45 vs. AGESY: 324.50 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
AGESY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.35  Med: 6.59 Max: 346.98
Current: 324.5
2.35
346.98
PB Ratio 0.81
AGESY's PB Ratio is ranked higher than
88% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. AGESY: 0.81 )
Ranked among companies with meaningful PB Ratio only.
AGESY' s PB Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.65 Max: 0.88
Current: 0.81
0.36
0.88
PS Ratio 0.57
AGESY's PS Ratio is ranked higher than
87% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. AGESY: 0.57 )
Ranked among companies with meaningful PS Ratio only.
AGESY' s PS Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.49 Max: 1.96
Current: 0.57
0.21
1.96
Price-to-Free-Cash-Flow 27.22
AGESY's Price-to-Free-Cash-Flow is ranked lower than
88% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.93 vs. AGESY: 27.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
AGESY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.86  Med: 3.42 Max: 79.56
Current: 27.22
0.86
79.56
Price-to-Operating-Cash-Flow 19.49
AGESY's Price-to-Operating-Cash-Flow is ranked lower than
78% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.55 vs. AGESY: 19.49 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
AGESY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.86  Med: 3.2 Max: 35.31
Current: 19.49
0.86
35.31
EV-to-EBIT 15.04
AGESY's EV-to-EBIT is ranked lower than
72% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.53 vs. AGESY: 15.04 )
Ranked among companies with meaningful EV-to-EBIT only.
AGESY' s EV-to-EBIT Range Over the Past 10 Years
Min: -58.9  Med: 7.3 Max: 20.3
Current: 15.04
-58.9
20.3
EV-to-EBITDA 5.86
AGESY's EV-to-EBITDA is ranked higher than
76% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. AGESY: 5.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
AGESY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.6  Med: 4.2 Max: 554.5
Current: 5.86
0.6
554.5
PEG Ratio 6.60
AGESY's PEG Ratio is ranked lower than
90% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.88 vs. AGESY: 6.60 )
Ranked among companies with meaningful PEG Ratio only.
AGESY' s PEG Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.79 Max: 15.37
Current: 6.6
0.17
15.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.44
AGESY's Dividend Yield % is ranked higher than
91% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. AGESY: 5.44 )
Ranked among companies with meaningful Dividend Yield % only.
AGESY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.73  Med: 4.45 Max: 9.62
Current: 5.44
2.73
9.62
Dividend Payout Ratio 12.75
AGESY's Dividend Payout Ratio is ranked lower than
100% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. AGESY: 12.75 )
Ranked among companies with meaningful Dividend Payout Ratio only.
AGESY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.88 Max: 38
Current: 12.75
0.26
38
3-Year Dividend Growth Rate -9.10
AGESY's 3-Year Dividend Growth Rate is ranked lower than
88% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. AGESY: -9.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
AGESY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -9.1 Max: 40.1
Current: -9.1
0
40.1
Forward Dividend Yield % 5.44
AGESY's Forward Dividend Yield % is ranked higher than
91% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.73 vs. AGESY: 5.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 11.36
AGESY's 5-Year Yield-on-Cost % is ranked higher than
89% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.46 vs. AGESY: 11.36 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
AGESY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.71  Med: 9.31 Max: 20.12
Current: 11.36
5.71
20.12
3-Year Average Share Buyback Ratio 3.20
AGESY's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. AGESY: 3.20 )
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: 0.9 Max: 4.3
Current: 3.2
-24.2
4.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.93
AGESY's Price-to-Tangible-Book is ranked higher than
82% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. AGESY: 0.93 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
AGESY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.42  Med: 0.92 Max: 2.27
Current: 0.93
0.42
2.27
Price-to-Intrinsic-Value-Projected-FCF 0.40
AGESY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
87% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. AGESY: 0.40 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
AGESY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.32 Max: 0.4
Current: 0.4
0.1
0.4
Price-to-Median-PS-Value 1.17
AGESY's Price-to-Median-PS-Value is ranked lower than
54% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AGESY: 1.17 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
AGESY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.52  Med: 0.95 Max: 1.4
Current: 1.17
0.52
1.4
Price-to-Peter-Lynch-Fair-Value 14.35
AGESY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
100% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. AGESY: 14.35 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
AGESY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.48  Med: 0.53 Max: 14.37
Current: 14.35
0.48
14.37
Price-to-Graham-Number 2.93
AGESY's Price-to-Graham-Number is ranked lower than
97% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. AGESY: 2.93 )
Ranked among companies with meaningful Price-to-Graham-Number only.
AGESY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.44  Med: 0.74 Max: 5.16
Current: 2.93
0.44
5.16
Earnings Yield (Greenblatt) % 6.66
AGESY's Earnings Yield (Greenblatt) % is ranked lower than
66% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.47 vs. AGESY: 6.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
AGESY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -36.6  Med: 12.3 Max: 24.5
Current: 6.66
-36.6
24.5
Forward Rate of Return (Yacktman) % 29.17
AGESY's Forward Rate of Return (Yacktman) % is ranked higher than
78% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. AGESY: 29.17 )
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: 49.4 Max: 85.7
Current: 29.17
28
85.7

More Statistics

Revenue (TTM) (Mil) $15,154.38
EPS (TTM) $ 0.26
Beta0.74
Short Percentage of Float0.00%
52-Week Range $32.35 - 43.37
Shares Outstanding (Mil)201.72 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $)
EPS ($) 3.70 4.36 4.72
EPS without NRI ($) 3.70 4.36 4.72
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.00 2.14 2.28
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