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NN Group N.V.: Business Overview, Financials & Competitive Analysis

NN Group is a financial services company supporting customers since 1845, providing retirement services, pensions, insurance, banking and investments to approximately 19 million customers across 10 countries. The Euro...

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NN Group N.V. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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7/ 10Strong

Cyborg Score thesis

Established European insurer with strong capital generation and shareholder returns, but faces industry headwinds from low-rate...

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Industry Insurance & Financial Services
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 29, 2026
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NN Group N.V. Overview

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NN Group is a financial services company supporting customers since 1845, providing retirement services, pensions, insurance, banking and investments to approximately 19 million customers across 10 countries. The European insurance company primarily sells long-term savings in the Netherlands, with four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life.

Strategic Profile

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The Netherlands life business is the biggest division and generates around three-fourths of operating income. Since 2022, assets supporting traditional and defined-contribution savings products are managed by Goldman Sachs. The company maintains a strong balance sheet with shareholders' equity of EUR 19.1bn and a Solvency II ratio of 220% as of December 31, 2025.

Competitive Landscape

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Key competitor is Aegon (Netherlands). NN Group maintains leading market positions in Netherlands life insurance with diversified exposure across European markets and Japan. The company competes on established distribution networks, brand heritage, and product innovation in retirement solutions.

Industry Context

NN Group N.V. operates in Insurance & Financial Services.

Key facts

Founded: 1845 · Headquarters: The Hague, Netherlands · Employees: 16,000 · Revenue: $2.86B · Market cap: €17.2B

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

AegonEuropean insurance and pensions competitor→AllianzGlobal diversified insurance provider→Zurich InsuranceMulti-line global insurance company→

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Industry context

NN Group N.V. operates in Insurance & Financial Services. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does NN Group N.V. do?+
NN Group is a financial services company supporting customers since 1845, providing retirement services, pensions, insurance, banking and investments to approximately 19 million customers across 10 countries. The Euro...
What is NN Group N.V.'s Cyborg Score?+
NN Group N.V. has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are NN Group N.V.'s main competitors?+
Named competitors include Aegon, Allianz, Zurich Insurance. The full competitive landscape is in the AskCyborg report.
How can I get the full NN Group N.V. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the NN Group N.V. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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