GENERALI (ASG.DE) Fundamental Analysis & Valuation

FRA:ASG • IT0000062072

Current stock price

33.78 EUR
-0.89 (-2.57%)
Last:

This ASG.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ASG.DE Profitability Analysis

1.1 Basic Checks

  • In the past year ASG was profitable.
  • In the past year ASG had a positive cash flow from operations.
  • Each year in the past 5 years ASG has been profitable.
  • In the past 5 years ASG always reported a positive cash flow from operatings.
ASG.DE Yearly Net Income VS EBIT VS OCF VS FCFASG.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

  • With a Return On Assets value of 0.71%, ASG is not doing good in the industry: 72.34% of the companies in the same industry are doing better.
  • ASG has a worse Return On Equity (12.87%) than 61.70% of its industry peers.
  • ASG has a Return On Invested Capital (0.93%) which is comparable to the rest of the industry.
  • ASG had an Average Return On Invested Capital over the past 3 years of 0.73%. This is below the industry average of 3.34%.
  • The last Return On Invested Capital (0.93%) for ASG is above the 3 year average (0.73%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.71%
ROE 12.87%
ROIC 0.93%
ROA(3y)0.5%
ROA(5y)0.46%
ROE(3y)9.01%
ROE(5y)8.51%
ROIC(3y)0.73%
ROIC(5y)0.78%
ASG.DE Yearly ROA, ROE, ROICASG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • ASG has a Profit Margin of 7.79%. This is in the lower half of the industry: ASG underperforms 65.96% of its industry peers.
  • ASG's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 15.75%, ASG is in the better half of the industry, outperforming 70.21% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ASG has grown nicely.
Industry RankSector Rank
OM 15.75%
PM (TTM) 7.79%
GM N/A
OM growth 3Y30.49%
OM growth 5Y21.29%
PM growth 3Y44.18%
PM growth 5Y24.82%
GM growth 3YN/A
GM growth 5YN/A
ASG.DE Yearly Profit, Operating, Gross MarginsASG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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3

2. ASG.DE Health Analysis

2.1 Basic Checks

  • ASG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • ASG has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ASG has been reduced compared to 5 years ago.
  • ASG has a worse debt/assets ratio than last year.
ASG.DE Yearly Shares OutstandingASG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
ASG.DE Yearly Total Debt VS Total AssetsASG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

  • ASG has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as ASG would need 2.11 years to pay back of all of its debts.
  • ASG has a better Debt to FCF ratio (2.11) than 63.83% of its industry peers.
  • ASG has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of ASG (1.30) is worse than 80.85% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for ASG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC0.15
WACC6.37%
ASG.DE Yearly LT Debt VS Equity VS FCFASG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASG.DE Yearly Current Assets VS Current LiabilitesASG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ASG.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.60% over the past year.
  • The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
  • The Revenue has decreased by -9.82% in the past year.
  • Measured over the past years, ASG shows a very negative growth in Revenue. The Revenue has been decreasing by -14.37% on average per year.
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%133.85%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%

3.2 Future

  • Based on estimates for the next years, ASG will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.10% on average per year.
  • Based on estimates for the next years, ASG will show a small growth in Revenue. The Revenue will grow by 4.84% on average per year.
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ASG.DE Yearly Revenue VS EstimatesASG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B 100B
ASG.DE Yearly EPS VS EstimatesASG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4 5

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5

4. ASG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.79, ASG is valued correctly.
  • ASG's Price/Earnings is on the same level as the industry average.
  • ASG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.73.
  • A Price/Forward Earnings ratio of 10.81 indicates a reasonable valuation of ASG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ASG is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.72, ASG is valued rather cheaply.
Industry RankSector Rank
PE 13.79
Fwd PE 10.81
ASG.DE Price Earnings VS Forward Price EarningsASG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ASG indicates a rather cheap valuation: ASG is cheaper than 93.62% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.86
EV/EBITDA N/A
ASG.DE Per share dataASG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.87
PEG (5Y)1.76
EPS Next 2Y12.94%
EPS Next 3Y11.37%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ASG.DE Dividend Analysis

5.1 Amount

  • ASG has a Yearly Dividend Yield of 4.25%, which is a nice return.
  • ASG's Dividend Yield is slightly below the industry average, which is at 4.14.
  • ASG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 4.25%

5.2 History

  • The dividend of ASG is nicely growing with an annual growth rate of 7.30%!
Dividend Growth(5Y)7.3%
Div Incr Years2
Div Non Decr Years2
ASG.DE Yearly Dividends per shareASG.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ASG pays out 56.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • ASG's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP56.8%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
ASG.DE Yearly Income VS Free CF VS DividendASG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
ASG.DE Dividend Payout.ASG.DE Dividend Payout, showing the Payout Ratio.ASG.DE Dividend Payout.PayoutRetained Earnings

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ASG.DE Fundamentals: All Metrics, Ratios and Statistics

GENERALI

FRA:ASG (3/19/2026, 7:00:00 PM)

33.78

-0.89 (-2.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-21
Inst Owners33.69%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap52.35B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts74.07
Price Target36.64 (8.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.25%
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP56.8%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.77%
PT rev (3m)6.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.38%
Valuation
Industry RankSector Rank
PE 13.79
Fwd PE 10.81
P/S 1.07
P/FCF 2.86
P/OCF 2.78
P/B 1.76
P/tB 2.93
EV/EBITDA N/A
EPS(TTM)2.45
EY7.25%
EPS(NY)3.13
Fwd EY9.25%
FCF(TTM)11.83
FCFY35.02%
OCF(TTM)12.16
OCFY35.98%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.87
PEG (5Y)1.76
Graham Number32.51
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 12.87%
ROCE 1.46%
ROIC 0.93%
ROICexc 0.94%
ROICexgc 0.98%
OM 15.75%
PM (TTM) 7.79%
GM N/A
FCFM 37.34%
ROA(3y)0.5%
ROA(5y)0.46%
ROE(3y)9.01%
ROE(5y)8.51%
ROIC(3y)0.73%
ROIC(5y)0.78%
ROICexc(3y)0.75%
ROICexc(5y)0.8%
ROICexgc(3y)0.78%
ROICexgc(5y)0.83%
ROCE(3y)1.15%
ROCE(5y)1.23%
ROICexgc growth 3Y1.71%
ROICexgc growth 5Y2.91%
ROICexc growth 3Y2.01%
ROICexc growth 5Y3.06%
OM growth 3Y30.49%
OM growth 5Y21.29%
PM growth 3Y44.18%
PM growth 5Y24.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 2.11
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.03%
Interest Coverage 4.3
Cash Conversion N/A
Profit Quality 479.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.37%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.1%
Cap/Sales(5y)N/A
Profit Quality(3y)302.85%
Profit Quality(5y)522.49%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%133.85%
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%
EBIT growth 1Y12.12%
EBIT growth 3Y-1.02%
EBIT growth 5Y3.86%
EBIT Next Year1399.42%
EBIT Next 3Y153.35%
EBIT Next 5YN/A
FCF growth 1Y2692.79%
FCF growth 3Y-4.96%
FCF growth 5Y-5.36%
OCF growth 1Y18213.5%
OCF growth 3Y-4.17%
OCF growth 5Y-5.43%

GENERALI / ASG.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of GENERALI (ASG.DE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ASG.DE.


Can you provide the valuation status for GENERALI?

ChartMill assigns a valuation rating of 5 / 10 to GENERALI (ASG.DE). This can be considered as Fairly Valued.


How profitable is GENERALI (ASG.DE) stock?

GENERALI (ASG.DE) has a profitability rating of 4 / 10.


What is the valuation of GENERALI based on its PE and PB ratios?

The Price/Earnings (PE) ratio for GENERALI (ASG.DE) is 13.79 and the Price/Book (PB) ratio is 1.76.


What is the financial health of GENERALI (ASG.DE) stock?

The financial health rating of GENERALI (ASG.DE) is 3 / 10.