OTC: AGESY - ageas SA/NV

Yield per half year: +14.91%
Dividend yield: +3.28%
Sector: Financials

Reporting ageas SA/NV

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд €	8.45	7.75	8.81	10.1	10.07	8.1	10.21	8.21	7.87	7.41	8.89	-4.81
Выручка, млрд €	13.17	13.45	11.85	11.03	14.19	11.63	13.04	9.58	7.53	11.25	11.19	-11.90
Чистая прибыль, млрд €	0.7702	0.0271	0.6232	0.8091	0.979	1.14	0.845	1.1	0.953	0.953	1.00	-0.54
EV, млрд €	10.34	8.98	10.37	11.54	12.15	12.22	14.91	10.47	9.92	12.08	11.93	-3.97
EBIT, млрд €	1.12	0.3584	0.9794	1.16	0.5793	1.54	1.16	2	0.258	0.258	1.11	-14.94
EBITDA, млрд €	1.87	1.11	1.72	1.83	1.23	1.72	1.34	2.28	0.557	0.557	1.43	-14.65
Баланс стоимость, млрд €	11.38	9.56	9.61	9.41	11.22	11.56	11.91	7.58	7.42	7.42	9.94	-7.94
FCF, млрд €	-0.4215	0.2906	-0.8263	0.7391	0.2789	-1.69	-1.21	-0.752	-0.115	0.056	-0.6976	-183.76
Операционный денежный поток, млрд €	-0.3128	0.4048	-0.7255	0.8615	0.467	-1.33	-1.07	-0.588	0.124	0.295	-0.4794	-23.30
Операционная прибыль, млрд €	1.17	0.4347	0.9794	1.16	0.5793	0.866	0.503	1.41	1.4	0.215	0.9517	19.30
Операционные расходы, млрд €	-0.5124	-1.19	-10.87	-9.87	-13.62	-10.76	-12.53	-8.18	9.85	3.65	-7.0480	-193.72
CAPEX, млрд €	0.1087	0.1142	0.1008	0.1224	0.1881	0.358	0.147	0.164	0.239	0.239	0.2192	4.91

	2016Q3	2016Q4	2019Q1	2019Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Капитализация, млрд €					9.69	9.37	9.24	8.76	7.59	7.31	8.4	7.88	7.58	7.64			7.76	0.89
Выручка, млрд €							1.81	1.35	2.08	3.6	2.11	2.11	1.65	1.65	2.16	2.16	1.95	0.47
Чистая прибыль, млрд €							0.2718	0.2912	0.141	0.3066	0.2655	0.2655	0.211	0.211	0.321	0.321	0.2659	3.87
EV, млрд €						14.06		11.34	13.05	12.51	9.36	9.91	8.63	9.92	8.97	9.35	9.36	-1.16
EBIT, млрд €						0.3254	0.343	0.388	0.1945	0.3485	0.3315	0.3315	1.6	3.22		4.31	1.96	67.03
EBITDA, млрд €							-0.054	2.16	-0.0765	0.0372	-0.1855	-0.1855	1.61	3.23	2.11	4.26	2.20	-287.16
Баланс стоимость, млрд €							11.09	9.02	7.77	7.58	7.23	7.23	7.42	7.42	7.54	7.54	7.43	0.84
FCF, млрд €	0.4026	0.0459						0.002		0.003	-0.09	-0.09	0.079	0.079	0.2025	0.2025	0.0946	-217.61
Операционный денежный поток, млрд €				0.2318				0.002	-0.065	0.003	-0.065	-0.065	0.127	0.127	0.241	0.241	0.1342	-229.96
Операционная прибыль, млрд €							0.397	-1.77	0.271	0.3113	0.517	0.517	-0.008	1.61	2.16	2.16	1.29	33.10
Операционные расходы, млрд €					0.5956	0.5493	0.4423	0.5307	0.5455	0.6704	1.67	1.67	1.26	0.0445			1.06	-41.87
CAPEX, млрд €			0.1013	0.1073					0.025	0.025	0.025	0.025	0.048	0.048	0.0385	0.0385	0.0396	9.02

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд €			2.39	2.18	2.55	2.92	3.75	2.24	1.94	1.15	1.88	1.88	2.19	-12.90
Short Term Investments €			61.55	61.6	58.56	56.6	59.3	58.98	55.26	40.98	56.9	56.9	54.28	-0.82
Long term investments €		83.66	73.85	69.43	66.31	64.54	68.72	68.64	65.31	51.92	84		67.72	4.10
Total Receivables €		1.62	1.56	1.6	1.21	1.12	1.16	1.04	1.16	0.492		0.5312	0.9944	-15.17
Total Current Assets €			63.94	63.78	61.11	59.52	63.05	61.22	57.19	42.14	58.78	1.9	56.48	-1.39
Чистые активы, млрд €			1.25	1.17	1.18	1.23	1.72	1.83	1.73	2.23	46.44	46.26	10.79	93.32
Активы, млрд €			104.49	104.29	103.34	101.69	109.45	111.42	111.14	100.3	96.69	96.04	105.80	-2.45
Short Term Debt €			0.0269	0.0049	1.03	1.26	1.78	2.64	2.98	2.54	0.078	0.078	2.00	-46.50
Long Term Debt €			4.26	3.41	3.08	3.1	4.04	3.72	3.65	3.81	3.93	3.93	3.83	-0.55
Задолженность, млрд €			92.51	94.09	93.18	90.17	95.97	97.64	96.97	91.67	88.19	87.54	94.09	-1.68
Чистый долг, млрд €			1.89	1.52	0.9984	0.5556	1.16	2.47	2.8	3.29	2.71	4.87	2.49	18.50
Долг, млрд €			4.28	3.41	4.12	4.37	5.83	6.36	6.63	4.44	4.59	4.01	5.57	-4.67
Interest income €				2.3	2.1	1.99	1.93	1.86	1.84	1.89	1.93		1.89	0.00
Расходы на обслуживание долга €			0.1236	0.1194	0.098	0.0934	0.1085	0.118	0.126	0.167	0.275	0.275	0.1589	20.44
Чист. проц. доходы, млрд €				-0.1672	-0.1168	-0.1225	-0.1288	-0.139	-0.138	-0.182	-0.275	2.15	-0.1726	16.38
Goodwill €		0.7798	0.8227	0.6974	0.604	0.6021	0.6144	0.602	0.616	0.598	0.607		0.6075	-0.24
Амортизация, млрд €			0.7494	0.7488	0.7429	0.6753	0.654	0.18	0.181	0.284	0.299	0.299	0.3196	-14.49
Себестоимость, млрд €	10.44	13.6	11.25	15.5	49.26	28.79					-3.72		20.22	-180.15

	2012Q4	2015Q4	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд €																						2.01	1.79	1.71	1.15	1.51	1.51	1.88	1.88	2.24	2.24	1.95	8.21
Short Term Investments €													59.37		59.3	58.79	58.98		56.92		55.26		47.77		40.98		55.86		56.9			51.35	0.59
Long term investments €														152.98	68.72	68.1	68.64		66.56		65.31		57.54		51.92		82.23		84			68.20	5.16
Total Receivables €																		0.044	0.028	0.054	1.16	0.0661	0.059	0.1148	0.492	0.021	0.021					0.1416	-18.67
Total Current Assets €																						4.62	49.56	4.17	42.14	1.51	57.37	1.88	58.78	2.24	2.24	24.50	-47.72
Чистые активы, млрд €																		1.81	1.75	1.75	1.73	1.74	1.73	2.11	2.23	2.24	2.24					2.11	5.30
Активы, млрд €																						107.91	102.66	101.4	100.3	98.99	98.99	96.69	96.69	96.79	96.79	97.19	-0.45
Short Term Debt €	0.0189		4.87	4.53	5.23	4.87	0.0255														2.98				2.54							3.13	-13.45
Long Term Debt €														11.03	4.04	3.21	3.72		3.69		3.65		4.01		3.81		3.91		3.93			3.86	1.49
Задолженность, млрд €																						94.76	92.2	92.44	91.67	3.51	4.97	88.19	88.19	88.25	88.25	71.57	77.78
Чистый долг, млрд €																						4.49	2.76	5.1	3.29	2	3.04	1.43	2.71	1.31	1.31	1.96	-15.50
Долг, млрд €																					6.63		5.02	7.36	6.35	3.51	4.55	3.3	4.59	3.55	3.55	3.91	-4.84
Расходы на обслуживание долга €							0.0042	0.0346	0.0191	0.0354	0.0274	0.0668	0.0708	0.0703										0.0381	0.0472							0.0586	-6.71
Goodwill €		0.8227	0.6974				0.604				0.6021				0.6144		0.602				0.616				0.598			0.607	0.607			0.6060	0.17
Амортизация, млрд €																					-0.4296	-0.397	1.77	-0.271	-0.3113	-0.517	-0.517	0.008	0.008		-0.049	-0.2134	-37.58
Себестоимость, млрд €					2.59	2.56	3.14	2.52	2.71	2.44	2.17	8.64	9.16	5.4																		5.56	17.22

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	-0.7507	5.37	3.72	4.1	5.07	6.05	4.51	5.95	5.18			5.18	5.35	0.43
Цена акции ао			48.81	44.71	59.28	53.39	51.85	44.54	43.36	48.46	59.94	59.94	49.63	2.94
Число акций ао, млн	214.15	206.07	201.8	196.8	191.1	187.9	186.29	184.32	183.82			183.82	186.69	-0.77
FCF/акцию	-1.97	1.41	-4.09	3.76	1.46	-8.98	-6.51	-4.08	-0.6256			0.3046	-3.7471	-184.41

	2016Q3	2016Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 quarters average	CAGR 5
EPS					1.47	1.58	0.77	1.66	1.25	1.44	1.15	1.15	1.74	1.74		1.44	3.86
Цена акции ао				50.28	49.9	47.45	41.3	39.65	45.68	42.89	41.25	41.57			59.94	46.27	5.58
Число акций ао, млн			188.3	186.29	185.2	184.57	183.69	184.37	183.81	183.81	183.84	183.84				183.93	-0.06
FCF/акцию	1.95	0.2227				0.0108		0.0163	-0.4896	-0.4896	0.4297	0.4297	1.1	1.1		0.5140	-217.57

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		6.77	0.2835	6.48	8.6	8.72	9.87	7.09	11.25	12.7			12.84	17.45	9.93	7.81
ROA, %		0.7371	0.026	0.6031	0.7957	0.8945	1.02	0.7603	1.04	0.9675			0.9923	4.76	0.9365	1.58
ROIC, %	5.42	7.02	2.82	7.6	8.8	8.18	9.08	7.17	13.61	13.06				7.36	10.22	9.81
ROS, %				5.26	7.34	6.9	9.81	6.48	11.45	12.66	8.47	8.47	8.47	25.00	9.51	5.50
ROCE, %			3.51	9.64	10.03	4.3	11.18	8.15	2.01	0.2695		3.04	3.04	6.26	4.93	-22.93
Ebit margin, %						4.08	13.24	8.86	20.86	3.43		2.29	2.29		9.74	-29.60
Рентаб EBITDA, %			8.23	14.53	16.6	8.69	14.79	10.25	23.82	7.4		4.95	4.95	20.23	12.24	-19.66
Чистая рентаб, %		5.85	0.2015	5.26	7.34	6.9	9.81	6.48	11.45	12.66			8.47	25.00	9.46	12.91
Operation Margin, %				8.26	10.47	4.08	7.45	3.86	14.68	18.54	1.91	1.91	1.91	11.42	8.18	-13.13
Доходность FCF, %	20.54	-4.99	3.75	-9.38	7.32	2.77	-20.82	-11.87	-9.16	0.7115					-7.6737	-23.80

	2016Q1	2016Q2	2016Q3	2016Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %						2.45	3.23	1.81	4.04	3.67	3.46	2.85	2.87	4.36	4.31	17.45	3.57	4.49
ROA, %						0.2519	0.2837	0.1391	0.3057	0.2682	0.2682	0.2157	0.2182	0.3318	0.3316	4.76	0.2731	4.34
ROIC, %									3.17	3.73	3.4	3.23	2.88	4.32	4.32	7.36	3.63	4.91
ROS, %						15.03	21.59	6.76	8.51	12.58	12.58	12.76	12.76	14.89	14.89	25.00	13.58	3.43
ROCE, %					2.3	2.61	3.71	2.17	4.04	0.3472	0.3516	1.69	3.42		4.41	6.26	2.04	66.25
Ebit margin, %											15.7	96.82	194.62		200		126.78	88.92
Рентаб EBITDA, %						-2.99	159.91	-3.67	1.03	-8.79	-8.79	97.31	195.1	97.73	197.73	20.23	115.82	-286.39
Чистая рентаб, %						15.03	21.59	6.76	8.51	12.58	12.58	12.76	12.76	14.89	14.89	25.00	13.58	3.43
Operation Margin, %						21.96	-131.14	13	8.64	24.49	24.49	-0.4838	97.31	100	100	11.42	64.26	32.50
Доходность FCF, %	4.44	-6.65	5.64	0.5945			0.0228		0.041	-1.07	-1.14	1.04	1.03				-0.0198	90.55

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	10.98	286.11	14.13	12.48	10.29	7.1	12.09	6.54	7.57			7.57	48.33	8.72	-5.95
P/BV	0.7431	0.811	0.9165	1.07	0.8975	0.7013	0.8573	0.8315	0.8486			0.8486	7.81	0.8272	-1.11
P/S	0.6419	0.5766	0.7432	0.9156	0.7095	0.6969	0.7836	0.7489	0.9579			0.6414	16.50	0.7794	6.19
P/FCF			-10.66	13.66	36.11	-4.8	-8.43	-10.92	140.54	132.32	132.32	132.32	2.35	77.17	-273.44
E/P			0.0708	0.0801	0.0972	0.1408	0.0827	0.1336	0.1211	0.1286	0.1286	0.1286	87.23	0.1189	9.23
EV/EBIT					20.17	6.78	9.95	5.24	38.46	46.84	46.84	46.84		29.47	36.32
EV/EBITDA	5.53	8.11	6.02	6.31	9.85	7.1	11.16	4.58	17.81			21.69	-222.08	10.10	12.58
EV/S			0.8751	1.05	0.856	1.05	1.14	1.09	1.32	1.07	1.07	1.07	16.20	1.14	-1.26
EV/FCF			-12.55	15.62	43.57	-7.24	-12.3	-13.92	-86.28	215.79	215.79	215.79	21.08	63.82	-277.35
Debt/EBITDA			2.39	2.39	4.72	3.69	4.96	1.95	8.23	7.19	7.19	7.19	-305.31	5.90	7.71
Netdebt/Ebitda			0.5797	0.3035	0.9414	1.43	2.09	1.44	4.87	8.75	8.75	8.75	-294.77	5.18	33.16
Debt/Ratio			0.0398	0.043	0.0532	0.057	0.0597	0.0443	0.0474	0.0417	0.0417	0.0417	0.13	0.0470	-6.93
Debt/Equity			0.4282	0.4642	0.5192	0.55	0.5565	0.586	0.6178	0.0866	0.0866	0.0866	2.63	0.3867	-31.07
Debt/Net Income			6.6	5.4	5.95	5.57	7.85	4.05	4.81	4.2	4.2	4.2	30.84	5.02	-11.76
PEG											7.03	7.03		7.03	0.00
Бета									0.58	-0.4131	-1.95	-1.95	-1.29	-0.5944	-249.81
Индекс Альтмана			0.9919	1.63	1.18	0.7011	0.6497	0.6904	8.07	5.96	5.96	5.96	50.18	4.27	55.78

	2016Q1	2016Q2	2016Q3	2016Q4	2017Q3	2017Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E									34	30.07	53.8	23.85	31.62	7.03	6.88	7.57	7.59	7.55			48.33	7.32	1.44
P/BV									0.8335	0.9708	0.976	0.9643	1.16	0.0731	0.8477	0.8486	0.8967	0.9412			7.81	0.7215	66.71
P/S									5.11	6.49	3.64	2.03	3.98	0.6946	0.7609	0.9579	1.01	1.05			16.50	0.8947	8.62
P/FCF	22.51	-15.04	17.72	168.2						4378.58		2437	-93.28	-87.59	95.99	96.74					2.35	489.77	-47.55
E/P							0.0166	0.0296	0.0294	0.0333	0.0186	0.0419	0.0316	0.0337	0.0278	0.0276					87.23	0.0325	-8.01
EV/EBIT														29.9	5.39	3.08		2.17				10.13	-48.10
EV/EBITDA								-134.94		4.84	-157.72	336.34	-50.48	-24.16	6.77	2.22	1.33	0.8347			-222.08	-2.6011	-151.01
EV/S					5.59	3.2		4.14				3.47	4.44	4.7	5.22	6	4.16	4.34			16.20	4.88	-1.58
EV/FCF				303.05								4170.67	-104.04	-110.14	109.24	125.6	44.31	46.19			21.08	43.04	-184.05
Debt/EBITDA						-19.11		-63.63		2.11		170.81	-18.92	-24.52	2.05	1.42	1.68	0.8325			-305.31	-3.7075	-150.84
Netdebt/Ebitda									-83.1	1.28	-66.73	88.44	-10.77	-16.37	0.8856	0.84	0.6232	0.308			-294.77	-2.7426	-145.18
Debt/Ratio					0.0942	0.0372		0.0597				0.0633	0.0355	0.046	0.0341	0.0474	0.0367	0.0367			0.13	0.0402	-4.42
Debt/Equity					1.06	0.4005		0.5565				0.838	0.4858	0.6296	0.4446	0.6178	0.4708	0.4708			2.63	0.5267	-5.65
Debt/Net Income					128.06	14.61		23.92				20.72	13.22	17.13	15.64	21.73	11.06	11.06			30.84	15.32	-8.38
Бета																			-2.12	-1.95	-1.29	-2.0350	-4.09
Индекс Альтмана							0.3654	0.5039	0.3547	0.5643	0.3582	0.535	0.7949	0.5579					5.96	5.96	50.18	2.76	61.95

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.3106	0.3289	0.3383	0.4194	0.4032	0.4157	0.485	0.485	0.54	0.54				0.4931	5.37
Дивиденд			1.79	2.23	2.57	2.48	3.12	3.23	2.64	2.94	1.72	1.72		2.73	-11.23
Див доход, ао, %			4.77	5.11	5.01	4.7	7.24	5.89	8.37	4.23	3.28	3.28	7.90	5.80	-14.65
Дивиденды / прибыль, %		42.7	1248.34	67.3	49.83	42.46	42.51	57.4	69.74	56.66		56.66	516.47	53.75	5.94

	2017Q2	2018Q2	2019Q1	2019Q2	2020Q2	2020Q4	2021Q2	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд			0.5826	0.6172					0.135	0.135	0.135	0.135	0.135	0.135	0.1575	0.1575		0.1440	3.13
Дивиденд	2.23	2.57		2.48	0.3021	2.82	3.23	2.94		1.46		1.63		1.6				2.17	-13.11
Див доход, ао, %	5.52	4.91		4.88	0.8442	6.05	5.27	6.19		3.67		3.8		3.85			7.90	4.56	-6.09
Дивиденды / прибыль, %			231.73	174.05					95.74	44.03	50.85	50.85	63.98	63.98	49.07	49.07	516.47	55.39	-0.71

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	13388	13388	0.00

	CAGR 5

	CAGR 5