profit from every €100 of sales.
€0€100
ASR Nederland
€78.14+1.14% today
+30.4% since Dec 18, 25
1-year low €57.381-year high €78.36
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €28.74 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What ASR Nederland sold, what it kept, and what it did with the cash.
Sales went from €2.05 billion in 2022 to €13.1 billion in 2025, with €548 million of profit last year.
SalesProfit
ASR Nederland vs. similar companies
ASR Nederland grows the fastest of these 5 and is the most expensive for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| ASR Nederland | 28.7× · Fair price | ||
 Allianz | 16.1× · Fair price | ||
 Zurich Insurance Group | 17.0× · Fair price | ||
 AXA SA | 9.7× · Cheap | ||
 Assicurazioni Generali | 15.9× · Fair price |
AI analysis
An AI analyst reads ASR Nederland's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,048 | 15,380 | 17,947 | 13,109 | |
| – | – | – | – | |
| – | – | – | – | |
| -1,831 | 3,531 | 5,161 | 6,514 | |
| -1,709 | 1,085 | 958 | 548 | |
| -12.83 | 5.26 | 3.92 | – | |
| – | – | – | – | |
| – | – | – | – | |
| -83.4% | 7.1% | 5.3% | 4.2% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 61,899 | 150,768 | 138,582 | 142,151 |
| Cash | 2,246 | 7,910 | 4,193 | 2,709 |
| Total debt | 4,457 | 12,901 | 10,692 | 8,914 |
| Total liabilities | 55,722 | 141,391 | 128,695 | 132,027 |
| 6,150 | 9,342 | 9,840 | 10,111 | |
| 159 | 200 | 232 | – | |
| -13.1% | 11.5% | 18.2% | 24.8% | |
| -27.8% | 11.6% | 9.7% | 5.4% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -961 | 3,597 | -699 | -569 | |
| 190 | 34 | 30 | 32 | |
| -1,151 | 3,563 | -729 | -601 | |
| Dividends paid | 347 | 484 | 629 | 669 |
| 71 | 5 | 605 | 236 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 28.7×
- –
- –
- 1.3×
- 1.2×
- 3.5%
- 4.2%
Profitability
- 4.2%
- 24.8%
- 10.4%
- –
- –
Growth
- +85.7%
- –
- –
- +13.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 5%of 843
Bottom 18%of 866
Top 4%of 862
Bottom 13%of 921
4.2%of the share price, paid each year
On $1,000 invested$42a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
122.1% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
31No pass
Benjamin Graham
46No pass
Philip Fisher
42No pass
Peter Lynch
76Pass
Joel Greenblatt
64Pass
Charlie Munger
27No pass
Terry Smith
30No pass
Questions about ASR Nederland
Is ASR Nederland a good stock to buy?
A business with weak numbers at a fair price. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the ASR Nederland AI analysis
What does ASR Nederland do?
ASR Nederland N.V. provides insurance, pensions, and mortgages products and services for consumers, businesses, and employers in the Netherlands. The company operates through five segments: Non-Life, Life, Asset Management, Distribution and Services, and Holding and Other. It is in Insurance - Diversified, based in Utrecht, Netherlands, with 4,771 employees.
Does ASR Nederland pay a dividend?
Yes. At today's price the dividend is 4.2% a year, about 122% of its yearly profit. In 2025 it paid out €669 million in dividends.
Is ASR Nederland stock halal?
No. ASR Nederland does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
Who are ASR Nederland's competitors?
The largest listed companies in the same industry are Allianz, Zurich Insurance Group, AXA SA and Assicurazioni Generali. The peers table on this page compares their profit, growth and price with ASR Nederland's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.