NNGPF
Financial ServicesNN Group N.V. · Insurance - Diversified · $23B
What is NN Group N.V.?
NN Group N.V. is a Netherlands-based financial services company with roots stretching back to 1845, offering life insurance, non-life insurance, and banking products across Europe and Japan. It serves individuals, small businesses, and institutional clients through multiple distribution channels.
NN Group generates revenue primarily through insurance premiums and banking services. Its insurance operations span life, pension, motor, fire, liability, travel, and health products. The banking arm offers mortgage loans, savings accounts, and retail investment products. The company distributes through tied agents, bancassurance partners, brokers, and direct digital channels, serving retail customers, SMEs, and institutional clients across the Netherlands, broader Europe, and Japan.
NN Group N.V. was established in its current form in 2015 and is headquartered in The Hague, the Netherlands.
- Group and individual life insurance and pension products
- Non-life insurance: motor, fire, liability, travel, and disability
- Employee benefits and health insurance solutions
- Banking services including mortgages and online savings accounts
- Corporate-owned life insurance and variable annuity products
Is NNGPF a Good Stock to Buy?
UQS Score rates NNGPF as Below Average overall, reflecting a mixed profile across its five quality pillars.
Valuation stands out as the clearest positive signal — NNGPF's current pricing appears Attractive relative to its fundamentals. Quality and Growth both register as Neutral, suggesting the business is neither deteriorating nor accelerating meaningfully at this stage.
The Moat and Risk pillars both score Weak, indicating limited competitive differentiation and above-average exposure to financial and operational risks that investors should weigh carefully.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NNGPF pay dividends?
Yes — NN Group N.V. pays a dividend.
NN Group pays a regular dividend, which is common among established European insurers with mature, cash-generative businesses. The dividend reflects the company's intent to return capital to shareholders alongside managing its insurance and banking obligations. Investors focused on income should verify the current yield and payout schedule directly via NN Group's investor relations page.
When does NNGPF report earnings?
NN Group N.V. reports earnings on a regular periodic cadence, consistent with European-listed financial services companies.
Revenue and profitability trends in insurance are shaped by underwriting discipline, claims experience, and investment income — all of which fluctuate with macroeconomic conditions. NN Group's Neutral Quality and Growth scores suggest performance has been broadly stable without notable acceleration.
For the most recent results, visit NN Group's official investor relations page.
NNGPF Price History
+121.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in NN Group N.V.?
Based on NN Group N.V.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NNGPF Long-term Outlook
The fundamental outlook for NNGPF is cautious. Neutral Growth suggests the business is not positioned for rapid expansion, while Weak Risk signals meaningful headwinds — including interest rate sensitivity, regulatory pressure across European insurance markets, and exposure to Japan's mature life insurance environment. The Attractive Valuation label indicates the market may already be pricing in these concerns, which could limit downside but also cap near-term upside.
Growth drivers
- Potential for bancassurance and digital channel expansion across Europe
- Pension and retirement product demand driven by aging demographics
- Cross-selling opportunities between insurance and banking segments
Key risks
- Interest rate volatility affecting insurance reserves and investment returns
- Regulatory and capital requirement changes across EU and Japanese markets
- Weak Moat score signals limited pricing power versus regional competitors
NNGPF vs Peers
NN Group operates in a competitive global insurance and financial services landscape alongside several large peers.
Principal focuses heavily on US retirement and asset management, giving it a different geographic and product mix than NN Group's European-led insurance model.
Brookfield Wealth Solutions emphasizes alternative asset-backed insurance and annuity strategies, contrasting with NN Group's traditional life and non-life underwriting approach.
iA Financial is a Canadian-focused insurer and wealth manager, competing in individual insurance and group benefits but operating in a distinct regulatory environment.
Frequently Asked Questions
What does NN Group N.V. do?
NN Group N.V. is a financial services company that provides life insurance, non-life insurance, pension products, and banking services. It operates across the Netherlands, broader Europe, and Japan, serving individuals, small businesses, and institutional clients through agents, brokers, and digital channels.
Does NNGPF pay dividends?
Yes, NN Group pays a regular dividend. This is consistent with its position as a mature European insurer with recurring premium income. Investors should check NN Group's investor relations page for the current dividend amount and payment schedule, as these can change.
When does NNGPF report earnings?
NN Group reports financial results on a regular periodic basis, in line with European listing standards. For exact upcoming report dates, refer to the company's official investor relations page rather than relying on third-party estimates.
Is NNGPF a good stock to buy?
UQS Score rates NNGPF as Below Average, driven by Weak scores in Moat and Risk. While Valuation appears Attractive, the limited competitive differentiation and risk profile mean investors should review the full pillar breakdown before making a decision. Pro members can access the complete analysis.
Is NNGPF overvalued?
Based on the UQS Valuation pillar, NNGPF is rated Attractive — meaning the current market price appears favorable relative to the company's fundamentals. This does not guarantee upside, but it suggests the stock is not trading at a premium relative to its quality profile.
How does NNGPF compare to its competitors?
Compared to peers like Principal Financial Group, Brookfield Wealth Solutions, and iA Financial, NN Group is distinguished by its European and Japanese insurance focus and its integrated banking operations. UQS Score provides side-by-side pillar comparisons for Pro members.
What is NNGPF's market cap bracket?
NNGPF is classified as a large-cap stock, reflecting NN Group's significant scale as one of the larger insurance and financial services groups headquartered in the Netherlands.
Who founded NN Group N.V.?
NN Group traces its origins to 1845, making it one of the older insurance institutions in the Netherlands. It was formerly part of ING Group and rebranded as NN Group N.V. in 2014 before its current structure was established. Founding details are widely available through the company's official history.
Is NNGPF a long-term quality investment?
As a long-term quality indicator, NNGPF's Below Average UQS Score — with Weak Moat and Risk pillars — suggests caution. Durable long-term investments typically require stronger competitive advantages and lower risk profiles. The Attractive Valuation may appeal to value-oriented investors, but quality concerns warrant close monitoring.
What is the main competitive advantage of NN Group?
NN Group's scale across European insurance markets and its integrated banking and insurance model provide some operational diversification. However, the UQS Moat pillar rates this advantage as Weak, suggesting the company lacks a strong, durable edge relative to global financial services peers.
What sector does NNGPF belong to?
NNGPF operates in the Financial Services sector, specifically within insurance and banking. Its business spans life insurance, non-life insurance, pensions, and retail banking — making it a diversified financial services group rather than a pure-play insurer.
Is NNGPF a growth stock or value stock?
Based on UQS pillar labels, NNGPF leans toward value territory — Growth is rated Neutral while Valuation is Attractive. This profile is more consistent with a value-oriented holding than a high-growth opportunity, though neither label guarantees future returns.
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Pro Analysis
NNGPF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 46.8 | 40.6 | 32.0 | 47.1 | 28.9 | 99.3 | -0.1 |
| May 12, 2026 | 46.9 | 40.6 | 32.0 | 47.1 | 28.9 | 99.9 | +2.0 |
| May 8, 2026 | 44.9 | 50.0 | 32.0 | 47.1 | 0.0 | 100.0 | -2.0 |
| Apr 22, 2026 | 46.9 | 40.7 | 32.0 | 47.1 | 28.9 | 100.0 | -2.4 |
| Apr 12, 2026 | 49.3 | 40.7 | 32.0 | 58.8 | 28.9 | 100.0 | -4.5 |
| Apr 5, 2026 | 53.8 | 40.8 | 50.0 | 58.8 | 28.9 | 100.0 | — |
NNGPF — Pillar Breakdown
Quality
— 40.6/100 (25%)NN Group N.V. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 47.1/100 (20%)NN Group N.V. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 28.9/100 (15%)NN Group N.V. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.1/100 (15%)NN Group N.V. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Moat
— 32/100 (25%)NN Group N.V. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NNGPF.
Score Composition
Financial Data
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How is the NNGPF UQS Score Calculated?
The UQS (Unified Quality Score) for NN Group N.V. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses NN Group N.V.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether NN Group N.V. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.