ASR Nederland N.V. (ASRNL.AS) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies ASR Nederland N.V. under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. ASRNL.AS files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 64.70% | 30.00% | Fail |
| Interest-bearing investments | 38.29% | 30.00% | Fail |
| Non-permissible income | 51.31% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 6.36% | 33.33% | Pass |
| Cash + interest-bearing securities | 3.76% | 33.33% | Pass |
| Accounts receivable | 3.83% | 33.33% | Pass |
| Non-permissible income | 51.31% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 6.36% | 33.33% | Pass |
| Cash + interest-bearing securities | 3.76% | 33.33% | Pass |
| Accounts receivable | 3.83% | 50.00% | Pass |
| Non-permissible income | 51.31% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 88.56% | 33.00% | Fail |
| Cash + interest-bearing securities | 52.42% | 33.00% | Fail |
| Accounts receivable | 1.01% | 33.00% | Pass |
| Non-permissible income | 51.31% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 100.66% | 33.00% | Fail |
| Cash + interest-bearing securities | 59.58% | 49.00% | Fail |
| Accounts receivable | 1.15% | 49.00% | Pass |
| Non-permissible income | 51.31% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 100.66% | 33.33% | Fail |
| Cash + interest-bearing securities | 59.58% | 33.33% | Fail |
| Accounts receivable | 60.73% | 49.00% | Fail |
| Non-permissible income | 51.31% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 67.90 | NEUTRAL |
| Stochastic %K (14) | 84.67 | SELL |
| CCI (20) | 79.69 | NEUTRAL |
| Williams %R (14) | -15.33 | SELL |
| MACD (12,26,9) | 0.13 | BUY |
| ROC (10) | 4.21 | BUY |
| Momentum (10) | 2.98 | BUY |
| EMA (10) | 72.81 | BUY |
| SMA (10) | 73.26 | BUY |
| EMA (20) | 71.73 | BUY |
| SMA (20) | 71.17 | BUY |
| EMA (30) | 70.88 | BUY |
| SMA (30) | 70.52 | BUY |
| EMA (50) | 69.47 | BUY |
| SMA (50) | 69.36 | BUY |
| EMA (100) | 66.70 | BUY |
| SMA (100) | 66.30 | BUY |
| EMA (200) | 62.71 | BUY |
| SMA (200) | 61.80 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Diversified
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 offers individual and group disability, as well as sickness leave; property and casualty, including motor, fire, liability, legal aid, travel and recreation, pet, and transport insurance; and health insurance, such as basic and supplementary health insurance. The company also provides pension products; Individual term life insurance; and funeral capital insurance. In addition, it is involved in the provision of asset management services, including investment property management, as well as managing of corporate bonds, government bonds, and equities; investment solutions; manages non-listed sector funds, which invest in retail and residential properties, offices, real estate on science parks, agricultural land, and renewable energy sources comprising wind, solar farms, and energy storage; and develops investment strategies. Further, the company operates in the residential mortgage markets under a.s.r. and Aegon brands; and specialised products for first-time buyers, customers who want to finance sustainable home modifications and senior citizens. Additionally, it engages in the provision of distribution and services; involved in the group-related activities, real estate development business, and activities relating to private investments for customers; offers expert guidance, software and advice on creating healthy and safe working environments services under the ArboNed, Mensely, HumanCapitalCare, Focus, and IT&Care brands; and health and reintegration services. The company was formerly known as Fortis Verzekeringen Nederland N.V. and changed its name to ASR Nederland N.V. in October 2008. The company was founded in 1720 and is based in Utrecht, the Netherlands.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2025-12-31, figures in EUR.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.