Sector pending / Life InsuranceUpdated 2026-05-10 22:07 UTC

FRA/N2S stock hub

FRA/N2S has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.3B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/N2S

In the news

Latest news · FRA/N2S

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E26.3

P25 n/aP50 n/aP75 n/a

Trailing P/E35.3

P25 n/aP50 n/aP75 n/a

ROE6.1

P25 n/aP50 n/aP75 n/a

ROIC8.8

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/N2S market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

180

Groups with data

Currency

EUR

Showing 180 of 180 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Finland
Country code	DE
Employees	632
Employees Change	-47%
Employees Change Percent	-6.92
Enterprise value	EUR 3B
Exchange	Frankfurt Stock Exchange
Financial currency	EUR
First seen	2026-05-10
Industry	Life Insurance
Last refreshed	2026-05-10
Market cap	EUR 3.3B
Price	EUR 6.59
Price currency	EUR
Rev Per Employee	677,795.79x
Sic	6311
Symbol	fra/N2S
Website	https://www.mandatum.fi

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	2.84%
EV Earnings	32.07x
EV/EBIT	17.6x
EV/EBITDA	17.14x
EV/FCF	7.79x
EV/Sales	7.15x
FCF yield	11.67%
Forward P/E	26.32x
P/B ratio	2.33x
P/E ratio	35.26x
P/S ratio	7.86x
PE Ratio3 Y	17.51x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	40.91%
EBITDA Margin	41.34%
FCF margin	91.73%
Gross margin	42.01%
Gross Profit	EUR 175.7M
Net Income	EUR 93.2M
Net Income Growth	-47.49%
Net Income Growth5 Y	-8.4%
Pretax Margin	22.5%
Profit Margin	22.29%
Profit Per Employee	EUR 151,053
ROA	0.58
Roa5y	1.41
ROCE	0.92
ROE	6.08
Roe5y	14.76
ROIC	8.82
Roic5y	15.08

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	21.81%
EPS Growth	-50.42
FCF Growth3 Y	18.95%
OCF Growth3 Y	18.83%
Revenue Growth	-33.32x
Revenue Growth Q	-71.39x
Revenue Growth3 Y	-21.67x
Revenue Growth5 Y	-25.12x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.02
Assets	EUR 18.6B
Cash	EUR 3.7B
Debt	EUR 389.3M
Debt EBITDA	EUR 2.22
Debt Equity	EUR 0.28
Debt FCF	EUR 1.01
Equity	EUR 1.4B
Interest Coverage	2.49
Liabilities	EUR 17.2B
Net Cash	EUR 297.7M
Net Cash By Market Cap	EUR 9.06
Net Cash Growth	29.38%
Net Debt EBITDA	EUR -1.72
Net Debt Equity	EUR -0.21
Net Debt FCF	EUR -0.78
Tangible Book Value	EUR 1.4B
Tangible Book Value Per Share	EUR 2.7

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	174.6
Net Working Capital	EUR 3B
Quick ratio	174.5
Working Capital	EUR 3.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-6.1%
Dividend Growth	28.79%
Dividend Growth Years	2%
Dividend per share	EUR 0.85
Dividend Years	3
Dividend Yield	12.85%
Ex Div Date	2026-05-13
Last Dividend	EUR 0.85
Payout Frequency	Annual
Payout Ratio	356.01%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	21.8%
200-day SMA	6.46
50-day SMA	6.91
50-day SMA vs 200-day SMA	50over200
All Time High	7.43
All Time High Change	-11.31%
All Time High Date	2026-04-15
All Time Low	3.17
All Time Low Change	108.08%
All Time Low Date	2023-10-04
ATR	0.1
Ch YTD	-1.35
High	6.59
High52	7.43
High52 Date	2026-04-16
High52ch	-11.31%
Low	6.46
Low52	5.04
Low52 Date	2025-05-23
Low52ch	30.75%
Ma50ch	-4.59%
Price vs 200-day SMA	2.06%
RSI	32.18
RSI Monthly	68.82
RSI Weekly	48.6
Sharpe ratio	0.92x
Sortino ratio	1.52
Total Return	6.75%
Tr YTD	-1.35
Tr1m	-6.99%
Tr1w	-0.38%
Tr3m	-4.63%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 171.1M
Operating margin	40.91

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	428,874,607%
Net Borrowing	-213,400,000
Shares Insiders	0.44%
Shares Institutions	28.64%
Shares Qo Q	22.37%
Shares Yo Y	6.1%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 383.6M
Average Volume	337.5x
Bv Per Share	2.81
CAPEX	EUR -4M
Ch1m	-6.99
Ch1w	-0.38
Ch1y	8.18
Ch3m	-4.63
Ch6m	9.91
Change	0.23%
Change From Open	2.01
Close	6.58
Days Gap	-1.75
Earnings Date	2026-05-08
EBIT	EUR 171.1M
EBITDA	EUR 172.9M
EPS	EUR 0.18
F Score	5
FCF	EUR 383.6M
FCF EV Yield	12.83x
Financing CF	-545,100,000
Fiscal Year End	December
Founded	1,874
Graham Number	3.45143
Graham Upside	-47.63
Income Tax	EUR 900,000
Investing CF	14,400,000
Is Primary Listing	0
Last Earnings Date	2026-05-08
Last Report Date	2026-03-31
Lynch Fair Value	EUR 0.93
Lynch Upside	-85.82
Ma150	6.64
Ma150ch	-0.74%
Ma20	7.04
Ma20ch	-6.45%
Net CF	-143,100,000
Next Earnings Date	2026-08-13
Open	6.46
P FCF Ratio	8.57
P OCF Ratio	8.48
Payment Date	2026-05-21
Position In Range	100
Ppne	22,300,000
Price Date	2026-05-08
Price EBITDA	EUR 19.01
Ptbv Ratio	2.42
Relative Volume	3.48x
Revenue	418,200,000x
Tax By Revenue	0.22x
Tax Rate	0.96%
Tr6m	9.91%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/N2S dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+12.8%

$0.85 annual per share

Payout ratio

+356.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

2 consecutive years of growth

Total shareholder yield

+6.8%

Next ex-dividend date: 2026-05-13

Performance

FRA/N2S stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/N2S?

Insider, institutional, and short-interest positioning.

Institutional ownership

+28.6%

Share of float held by funds and institutions

Insider ownership

+0.4%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+6.1%

Negative means the company is buying back shares.

Technical

FRA/N2S momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

32.2

Neutral momentum band

Price vs 200-day MA

+2.1%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.92

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/N2S

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/N2S stock rating?

fra/N2S is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/N2S analysis?

The full report lives at /stocks/fra/N2S/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/N2S?

The latest report frames fra/N2S around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/N2S page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.