NN Group N.V. (NNGPF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
NN Group N.V. (NNGPF) trades at $87.52 with AI Score 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: $22.90B, Sector: Financial services.
Price live · AI analysis from 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: the 1 perspectives are evenly split.
How is this calculated? →NN Group N.V. (NNGPF) Financial Services Profile
NN Group N.V., a Dutch financial services firm with a $22.90B 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 $22.90B 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 $22.90B 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 | AI Score |
|---|---|---|---|---|
| ING ING Groep N.V. | $32.93 | +2.59% | $94.73B | 51 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
| AIVAF Aviva plc | $8.45 | +0.00% | $25.28B | 64 |
| WDH Waterdrop Inc. | $1.25 | +4.17% | $452.15M | 49 |
| NNGRY NN Group N.V. | $43.37 | -0.44% | $22.74B | 49 |
| BRK-B Berkshire Hathaway Inc. | $507.02 | -0.15% | $1.09T | 49 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
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 -0.62 sits in the distress zone (elevated bankruptcy risk).
- 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. The ESG investment market is projected to reach $50 trillion by 2025. 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 Opportunities Does NNGPF Have?
- Expansion in the European insurance market through product innovation and digital channels.
- Strategic partnerships and acquisitions to enhance product offerings and geographic reach.
- Development of sustainable and ESG-focused financial products.
- Leveraging bancassurance channels to cross-sell insurance products.
What Threats Does NNGPF Face?
- Increasing competition from fintech companies and digital insurers.
- Changes in consumer preferences and demand for personalized products.
- Cybersecurity risks and data privacy concerns.
- Economic downturns and market volatility impacting investment returns.
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.
FY2026 estForward Outlook
Wall Street analysts project NN Group N.V. revenue of about $15.46B for fiscal 2026, with EPS near $9.03.
ROE 4%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 26.39, above the Financial Services sector average of ~18x. 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.
F-Score 4/9Financial Health
NN Group N.V.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.62 places it in the distress zone, a signal of elevated financial risk.
NNGPF Valuation & Market Position
With a $22.90B 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 62/100.
NNGPF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence among executives in the company's future performance.
- Community sentiment has shifted positively, with discussions highlighting strong long-term growth potential in the insurance sector.
- Market perception is buoyed by NN Group's innovative digital strategies that resonate well with younger consumers.
- Analysts are noting the company's solid fundamentals, including a robust balance sheet and increasing market share in key segments.
Bear Case
- Concerns about economic uncertainty in Europe are causing some investors to hesitate regarding NN Group's growth prospects.
- Recent bearish sentiment in social discussions indicates apprehension about potential regulatory challenges in the insurance industry.
- Some community members are wary of the company's exposure to volatile markets, which could impact earnings stability.
- There are lingering doubts about the effectiveness of NN Group's strategies in adapting to rapidly changing consumer preferences.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
NNGPF Latest News
No recent news available for NNGPF.
NNGPF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NNGPF.
Price Targets
Wall Street price target analysis for NNGPF.
NNGPF MoonshotScore
What does this score mean?
The MoonshotScore rates NNGPF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
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
- Disclosure Status: Unknown
- 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 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. The company offers life and non-life insurance, pensions, savings, investments, and banking solutions to individuals, small and medium-sized enterprises, and corporate clients. NN Group distributes its products through various channels, including tied agents, advisors, brokers, and direct channels, primarily in the Netherlands and other European countries, as well as Japan.
What are the main risks for NNGPF?
NN Group N.V. faces several risks inherent to the financial services and insurance industries. These include regulatory risks, such as changes in capital requirements and solvency regulations, which can impact profitability and financial stability. Market risks, including fluctuations in interest rates and investment returns, can affect the company's asset values and income. Operational risks, such as cybersecurity threats and data breaches, can lead to financial losses and reputational damage. Competitive risks, including increasing competition from fintech companies and digital insurers, can erode market share and pricing power. Additionally, macroeconomic risks, such as economic downturns and geopolitical instability, can impact customer demand and business performance.
What are the key factors to evaluate for NNGPF?
NN Group N.V. (NNGPF) holds an AI score of 49/100 (low). Not financial advice.
How frequently does NNGPF data refresh on this page?
NNGPF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated 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?
Valuing NN Group N.V. (NNGPF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NNGPF?
Before investing in NN Group N.V. (NNGPF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding NNGPF to a portfolio?
Key strength of NN Group N.V. (NNGPF): Diversified product portfolio across life and non-life insurance, pensions, and banking. Weigh rewards against risks and diversify. Not financial advice.
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.
- AI analysis pending for NNGPF, limiting comprehensive insights.