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NN Group NV NN

Morningstar Rating
€35.55 +0.16 (0.45%)
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Company Report

The Closure of ASR’s Unit-Linked File Reduces the Uncertainty of NN Group

With the news Nov. 30 that ASR has reached a settlement to close its unit-linked file, we reduce our Uncertainty Rating for NN Group from High to Medium and we maintain our EUR 55 per share fair value estimate. The settlement of EUR 250 million relates to around 140,000 policies represented by the claims foundations. While ASR has set aside a further EUR 50 million as a buffer for claims not included in this settlement, and that is on top of an existing EUR 40 million provision, the total set aside of around EUR 340 million represents a substantially lower amount than the guestimate that has previously been circulated, around EUR 2,430 per policy versus prior working numbers of around EUR 15,000.

Price vs Fair Value

NN is trading within a range we consider fairly valued.
Price
€35.55
Fair Value
€99.00
Uncertainty
Medium
1-Star Price
€44.92
5-Star Price
€64.70
Economic Moat
Htxhh
Capital Allocation
Chhxytcs

Bulls Say, Bears Say

Bulls

Nationale Nederlanden is an underappreciated stable business.

Bears

The sale of NNIP to GSAM limits shareholder returns and caps the business' moat chances.

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Trading Information

Previous Close Price
€35.39
Day Range
€35.1735.59
52-Week Range
€27.8241.83
Bid/Ask
€35.40 / €35.58
Market Cap
€9.74 Bil
Volume/Avg
631,434 / 1.3 Mil

Key Statistics

Price/Earnings (Normalized)
41.52
Price/Sales
0.81
Dividend Yield
8.19%
Dividend Yield (Forward)
8.19%
Total Yield
19.46%

Company Profile

Nationale Nederlanden offers life insurance and nonlife insurance products across the Netherlands, Belgium, Japan, and Central and Eastern Europe. The business has divested its asset management operation to GSAM.
Sector
Financial Services
Industry
Insurance - Diversified
Stock Style Box
Mid Value
Total Number of Employees
16,104

Competitors

Valuation

Metric
NN
ALV
AXAHY
Price/Earnings (Normalized)
41.5211.369.61
Price/Book Value
0.471.751.46
Price/Sales
0.810.540.80
Price/Cash Flow
13.8715.689.20
Price/Earnings
NN
ALV
AXAHY

Financial Strength

Metric
NN
ALV
AXAHY
Quick Ratio
Current Ratio
Interest Coverage
9.6217.86
Quick Ratio
No chart available

Profitability

Metric
NN
ALV
AXAHY
Return on Assets (Normalized)
0.17%1.27%1.16%
Return on Equity (Normalized)
1.79%23.06%16.49%
Return on Invested Capital (Normalized)
0.71%17.23%6.96%
Return on Assets
NN
ALV
AXAHY

Insurance - Diversified Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Economic Moat
Market Cap
BRK.A
Berkshire Hathaway Inc Class AFsyk$770.7 Bil
BRK.B
Berkshire Hathaway Inc Class BHhlp$770.7 Bil
ALIZY
Allianz SE ADRLrrb$103.0 Bil
ZURVY
Zurich Insurance Group AG ADRGhhybzb$75.3 Bil
AXAHY
AXA SA ADRXvwj$72.9 Bil
AIG
American International Group IncTtb$46.0 Bil
SLF
Sun Life Financial IncPtxhg$30.0 Bil
AVVIY
Aviva PLC ADRTgft$14.8 Bil
AEG
Aegon Ltd ADRWnrz$10.8 Bil
AGESY
Ageas SA/ NV ADRYptt$8.0 Bil