NN Group N.V. (NNGPF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 11.50 means the share price is 11.50 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $23.6B is the value of all shares combined. Beta 0.53: the stock has moved about 47% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerNN Group N.V. (NNGPF) trades at $90.29 with MoonshotScore 49/100 (Grade C). NN Group N.V. is a financial services company based in the Netherlands, providing life and non-life insurance products internationally. Market cap: $23.6B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for NNGPF: NNGPF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NNGPF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NNGPF: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
NN Group N.V. (NNGPF) Financial Services Profile
NN Group N.V., a Dutch financial services firm with a $23.6B market cap, offers diverse insurance and banking solutions across Europe and Japan. With a 58.3% gross margin and 8.3% profit margin, the company navigates a competitive landscape while providing life, non-life insurance, and banking services to individuals and businesses.
What Is the Investment Thesis for NNGPF?
NN Group N.V. presents a mixed investment case. With a market capitalization of $23.6B and a positive profit margin of 8.3%, the company demonstrates financial stability. However, a return on equity (ROE) of 5.6% suggests moderate efficiency in generating profits from shareholder equity. The company's beta of 0.53 indicates lower volatility compared to the market, which may appeal to risk-averse investors. Growth catalysts include expansion within its European insurance segment and potential synergies from its diverse product offerings. However, the absence of a dividend yield may deter income-focused investors. Key risks include exposure to regulatory changes in the financial services sector and fluctuations in interest rates, which could impact profitability. Investors should monitor the company's ability to maintain its gross margin of 58.3% and manage its debt-to-equity ratio of 64.71%.
Based on FMP financials and quantitative analysis
NNGPF Key Highlights
Market Cap of $23.6B reflects NN Group's significant presence in the financial services sector.
- Profit Margin of 8.3% indicates healthy profitability in a competitive industry.
- Gross Margin of 58.3% demonstrates effective cost management and pricing strategies.
- Debt-to-Equity Ratio of 64.71 suggests a balanced approach to leverage.
- Beta of 0.53 indicates lower volatility compared to the market, appealing to risk-averse investors.
Who Are NNGPF's Competitors?
NNGPF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ING ING Groep N.V. | $37.16 | +1.35% | $106B | 555-pillar |
| PFG Principal Financial Group, Inc. | $114.96 | +0.82% | $24.6B | 585-pillar |
| AVVIY Aviva plc | $19.05 | -0.15% | $27.2B | 649-signal |
| ATH Athene Holding Ltd. | $83.33 | -0.69% | $19.8B | — |
| TNXXF Talanx AG | $116.87 | 0.00% | $30.2B | 589-signal |
| AGESY ageas SA/NV | $85.91 | -0.24% | $17.7B | 649-signal |
| SZLMY Swiss Life Holding AG | $55.62 | -0.50% | $31.8B | 609-signal |
| ACGLN Arch Capital Group Ltd. | $15.68 | +0.14% | $33.3B | 915-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.
What Are NNGPF's Key Strengths?
Diversified product portfolio across life and non-life insurance, pensions, and banking.
- Strong brand recognition and established presence in the Netherlands and Europe.
- Multiple distribution channels including agents, brokers, and direct channels.
- Solid capital position and financial stability.
What Are NNGPF's Weaknesses?
Exposure to regulatory changes and economic fluctuations in the financial services sector.
- Dependence on interest rates and investment performance.
- Competition from larger global players and local specialists.
- Limited presence in high-growth emerging markets.
What Could Drive NNGPF Stock Higher?
Expansion of digital insurance offerings to attract tech-savvy customers and improve operational efficiency.
- Strategic partnerships and acquisitions to diversify product offerings and expand geographic reach.
- Development and promotion of sustainable and ESG-focused financial products to appeal to socially responsible investors.
What Are the Key Risks for NNGPF?
Financial-distress signal — its Altman Z-Score of 0.13 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 6 of the last 8 reported quarters.
- Regulatory changes in the financial services sector impacting capital requirements and business operations.
- Economic downturns and market volatility affecting investment returns and profitability.
- Increasing competition from fintech companies and digital insurers disrupting traditional business models.
- Cybersecurity risks and data privacy concerns leading to potential financial losses and reputational damage.
What Are the Growth Opportunities for NNGPF?
- Expansion in the European Insurance Market: NN Group has the opportunity to further expand its presence in the European insurance market, capitalizing on the increasing demand for diverse insurance products. The European insurance market is projected to reach $1.5 trillion by 2028, growing at a CAGR of 4.5%. By introducing innovative products and leveraging digital distribution channels, NN Group can capture a larger share of this growing market. Timeline: Ongoing.
- Digital Transformation and Innovation: Investing in digital transformation initiatives can enhance NN Group's operational efficiency and customer experience. The global digital insurance market is expected to reach $400 billion by 2027, growing at a CAGR of 15%. By implementing AI-powered solutions and streamlining online processes, NN Group can attract tech-savvy customers and reduce costs. Timeline: Ongoing.
- Strategic Partnerships and Acquisitions: NN Group can pursue strategic partnerships and acquisitions to expand its product offerings and geographic reach. The financial services industry is witnessing increased consolidation, with companies seeking to enhance their capabilities through M&A activities. By acquiring complementary businesses, NN Group can diversify its revenue streams and strengthen its competitive position. Timeline: Ongoing.
- Development of Sustainable and ESG-Focused Products: There is a growing demand for sustainable and ESG-focused financial products. NN Group can capitalize on this trend by developing insurance and investment solutions that align with environmental, social, and governance principles. By offering sustainable products, NN Group can attract socially responsible investors and customers. Timeline: Ongoing.
- Leveraging Bancassurance Channels: NN Group can further leverage its bancassurance channels to cross-sell insurance products to its banking customers. Bancassurance, the distribution of insurance products through banking channels, offers a cost-effective way to reach a large customer base. By integrating its insurance and banking operations, NN Group can enhance customer loyalty and increase sales. Timeline: Ongoing.
What Are NNGPF's Competitive Advantages?
- Established Brand Recognition: NN Group has a strong brand presence in the Netherlands and other European markets, built over many years.
- Diversified Product Portfolio: The company offers a wide range of insurance and financial products, catering to diverse customer needs.
- Extensive Distribution Network: NN Group utilizes multiple distribution channels, including tied agents, advisors, brokers, and direct channels.
- Strong Capital Position: The company maintains a solid capital position, enabling it to withstand market volatility and regulatory changes.
What Does NNGPF Do?
Founded in 1845 and headquartered in The Hague, Netherlands, NN Group N.V. has evolved from its origins as part of ING Insurance Topholding N.V. to become a prominent financial services provider. The company rebranded as NN Group N.V. in March 2014. NN Group operates through several key segments: Netherlands Life, Netherlands Non-Life, Insurance Europe, Japan Life, and NN Bank. These segments enable the company to offer a broad range of products, including life and non-life insurance, pensions, and banking services. NN Group's insurance offerings encompass insured defined benefit and defined contribution plans under the Nationale-Nederlanden brand, premium pension institution services through BeFrank, and general pension fund administration and advisory services via AZL. Its non-life insurance products include motor, fire, liability, transport, travel, health, and disability and accident coverage. The company also provides long-term protection products covering disability, critical illness, and health risks, alongside savings and retirement solutions. NN Group extends its financial services through savings, investments, bancassurance, and mortgages under the Woonnu brand. The company distributes its products directly through tied agents, advisors, brokers, and direct channels, serving individuals, small and medium-sized enterprises, and corporate clients across the Netherlands and internationally.
What Products and Services Does NNGPF Offer?
- Provides life insurance products in the Netherlands and internationally.
- Offers non-life insurance products, including motor, fire, and liability coverage.
- Provides insured defined benefit and defined contribution pension plans.
- Offers premium pension institution services.
- Provides general pension fund administration and advisory services.
- Offers long-term protection products covering disability and critical illness.
- Provides savings, investments, bancassurance, and mortgage services.
- Offers financial services to individuals, SMEs, and corporate clients.
How Does NNGPF Make Money?
- Generates revenue from premiums on life and non-life insurance products.
- Earns fees from pension fund administration and advisory services.
- Derives income from investments and asset management activities.
- Collects interest income from mortgage and loan products.
What Industry Does NNGPF Operate In?
NN Group N.V. operates within the diversified insurance industry, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and demographic trends. Companies like NN Group face the challenge of adapting to changing consumer preferences and technological advancements. The European insurance market, where NN Group has a significant presence, is witnessing increased demand for digital insurance solutions and personalized products. Competitors include global players and regional specialists, each vying for market share through product innovation and customer service enhancements.
Who Are NNGPF's Key Customers?
- Individuals seeking life and non-life insurance coverage.
- Small and medium-sized enterprises (SMEs) requiring business insurance solutions.
- Corporate clients needing employee benefits and pension plans.
- Individuals seeking savings, investment, and mortgage products.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in EUR, converted to USD
Why 49?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 49 |
| 2026-08-26 | 49 |
| 2026-08-29 | 49 |
| 2026-09-01 | 49 |
| 2026-09-04 | 49 |
| 2026-09-07 | 49 |
| 2026-09-10 | 49 |
What changed?
The score has stayed at 49.
Over the same 18 days the stock moved +5.3%.
Earnings Track Record
NN Group N.V. has missed Wall Street's EPS estimate in 6 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 28.4% below estimates on average.
Quarterly Financial Performance: NN Group N.V.
Revenue for NN Group N.V. came in at $3.87B during Q2 FY2026. The company recorded net income of $618.4M, with diluted EPS of $2.27. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Financial Services. Across the four most recent quarters, NNGPF averaged $1.97 in diluted EPS.
NNGPF Valuation & Market Position
With a $23.6B market cap, NN Group N.V. sits in the large-cap segment of the market. Relative to its peer group, NNGPF's quantitative score of 49/100 is below the peer average of 64/100.
Key Financial Metrics
Return on equity for NN Group N.V. stands at 4.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. NNGPF trades at a trailing price-to-earnings ratio of 11.50, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 0.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
NN Group N.V.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.13 places it in the distress zone, a signal of elevated financial risk.
Company Profile
NN Group N.V. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in The Hague, NL. The company is led by CEO David E. Knibbe. NNGPF has traded publicly since 2015.
NNGPF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified product portfolio across life and non-life insurance, pensions, and banking.
- Strong brand recognition and established presence in the Netherlands and Europe.
- Multiple distribution channels including agents, brokers, and direct channels.
- Solid capital position and financial stability.
Bear Case
- Exposure to regulatory changes and economic fluctuations in the financial services sector.
- Dependence on interest rates and investment performance.
- Competition from larger global players and local specialists.
- Limited presence in high-growth emerging markets.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $3.87B | $618M | $2.27 |
| Q1 FY2026 | $3.87B | $618M | $2.27 |
| Q4 FY2025 | $4.27B | $462M | $1.66 |
| Q3 FY2025 | $4.27B | $462M | $1.66 |
Q2 FY2026 · filed 30 Jun 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis · Converted to USD from EUR at today's rate
NNGPF Latest News
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Stocks That Hit 52-Week Lows On Tuesday
· Aug 20, 2019
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Stocks That Fell Through 52-Week Lows Wednesday
· Aug 7, 2019
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New 52-Week Lows For Monday Morning
· Aug 5, 2019
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Stocks That Managed to Breach 52-Week Lows Friday
· Jul 26, 2019
NNGPF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for NNGPF.
Price Targets
Wall Street price target analysis for NNGPF.
NNGPF MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. NNGPF scores 49/100 (Grade C): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
NNGPF OTC Market Information
The OTC Other tier, where NNGPF trades, represents securities that may not meet the listing requirements of higher-tier OTC markets like OTCQX or OTCQB, or major exchanges like NYSE or NASDAQ. Companies in this tier may have limited financial disclosure, be undergoing restructuring, or face regulatory issues. Investing in OTC Other stocks carries significantly higher risk due to the potential for less stringent listing standards and reduced transparency compared to exchange-listed companies. Investors should exercise extreme caution and conduct thorough due diligence before considering an investment in this tier.
- OTC Tier: OTC Other
- Limited Financial Disclosure: The lack of readily available financial information increases the difficulty of assessing the company's true financial health.
- Low Liquidity: Thin trading volumes and wide bid-ask spreads can make it challenging to buy or sell shares at desired prices.
- Potential for Fraud or Manipulation: The OTC market is more susceptible to fraudulent schemes and market manipulation due to less stringent regulatory oversight.
- Delisting Risk: The company may face delisting from the OTC market if it fails to meet certain requirements or maintain adequate trading activity.
- Volatility: OTC stocks can experience significant price swings due to speculative trading and limited market participation.
- Verify the company's registration and regulatory filings with relevant authorities.
- Obtain and review audited financial statements, if available.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's debt levels and cash flow situation.
- Understand the risks associated with the OTC market and the specific company.
- Consult with a qualified financial advisor before making any investment decisions.
- Longevity of Operations: The company was founded in 1845, indicating a long history, though not necessarily continuous under the same structure.
- Presence in Multiple Segments: Operating across Netherlands Life, Netherlands Non-Life, Insurance Europe, Japan Life, and NN Bank suggests diversification.
- International Operations: Operating internationally, including in Japan, can indicate a degree of regulatory compliance and operational sophistication.
NN Group N.V. Financial Services Stock: Key Questions Answered
What does the AI Score mean for NNGPF?
NNGPF holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed. NN Group N.V. is a financial services company based in the Netherlands, providing life and non-life insurance products internationally.
Is NNGPF a good stock?
Stock Expert AI does not rate NNGPF buy, sell or hold. NN Group N.V. carries a MoonshotScore of 49/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What does NN Group N.V. do?
NN Group N.V. is a financial services company providing a range of insurance and banking products and services. It operates through segments like Netherlands Life, Netherlands Non-Life, Insurance Europe, Japan Life, and NN Bank.
What are the key factors to evaluate for NNGPF?
NN Group N.V. (NNGPF) holds a MoonshotScore of 49/100 (low). P/E: 11.50x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NNGPF data refresh on this page?
NNGPF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven NNGPF's recent stock price performance?
NN Group N.V. (NNGPF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified product portfolio across life and non-life insurance, pensions, and banking. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NNGPF overvalued or undervalued right now?
NN Group N.V. (NNGPF) trades at 11.50x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of NNGPF?
Yes, most major brokerages offer fractional shares of NN Group N.V. (NNGPF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track NNGPF's earnings and financial reports?
NN Group N.V. (NNGPF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for NNGPF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.