Nationale Nederlanden Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life; Netherlands nonlife; insurance Europe; and Japan life. The Netherlands life business is the biggest division of the company and tends to generate around three quarters of operating income. That business sells traditional spread-based long-term savings and the new style-defined contribution savings products. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined contribution products are managed by Goldman Sachs. Since around 2013, NN has managed its individual life insurance business as being closed to new business.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.58
Equity-to-Asset	0.1
Debt-to-Equity	0.67
Debt-to-EBITDA	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-11.6
	3-Year EPS without NRI Growth Rate	-8.7
	3-Year FCF Growth Rate	-78.4
	3-Year Book Growth Rate	-14.8
	Future 3-5Y EPS without NRI Growth Rate	5.6
	Future 3-5Y Total Revenue Growth Rate	8.44

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	30.84
	9-Day RSI	41.38
	14-Day RSI	49.26
	6-1 Month Momentum %	38.23
	12-1 Month Momentum %	19.61

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	6.95
	Dividend Payout Ratio	0.73
	3-Year Dividend Growth Rate	8.8
	Forward Dividend Yield %	7.62
	5-Year Yield-on-Cost %	11.45
	3-Year Average Share Buyback Ratio	4.1
	Shareholder Yield %	16.05

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	10.68
	FCF Margin %	0.58
	ROE %	5.59
	ROA %	0.57
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.61
	Forward PE Ratio	6.16
	PE Ratio without NRI	10.73
	Shiller PE Ratio	7.33
	Price-to-Owner-Earnings	9.14
	PS Ratio	1.08
	PB Ratio	0.56
	Price-to-Tangible-Book	0.59
	Price-to-Free-Cash-Flow	185.91
	Price-to-Operating-Cash-Flow	185.91
	EV-to-Revenue	1.6
	EV-to-Forward-Revenue	0.9
	EV-to-FCF	284
	Price-to-Projected-FCF	1.93
	Price-to-Graham-Number	0.53
	FCF Yield %	0.53
	Forward Rate of Return (Yacktman) %	-14

GF Value: $53.93

NNGPF

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