GENERALI (ASG.DE) Fundamental Analysis & Valuation

FRA:ASG • IT0000062072

Current stock price

33.76 EUR
-0.08 (-0.24%)
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

  • ASG had positive earnings in the past year.
  • ASG had a positive operating cash flow in the past year.
  • In the past 5 years ASG has always been profitable.
  • ASG had a positive operating cash flow in 4 of the past 5 years.
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 2025 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of ASG (0.71%) is worse than 71.43% of its industry peers.
  • With a Return On Equity value of 12.87%, ASG is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
  • ASG has a Return On Invested Capital (0.92%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.71%
ROE 12.87%
ROIC 0.92%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ASG.DE Yearly ROA, ROE, ROICASG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 64.29% of its industry peers.
  • ASG's Profit Margin has improved in the last couple of years.
  • ASG has a Operating Margin of 15.75%. This is in the better half of the industry: ASG outperforms 73.81% of its industry peers.
  • ASG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 15.75%
PM (TTM) 7.79%
GM N/A
OM growth 3Y0.91%
OM growth 5Y6.39%
PM growth 3Y-8.08%
PM growth 5Y13.14%
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 2025 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. ASG.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASG is destroying value.
  • There is no outstanding debt for ASG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • The Debt to FCF ratio of ASG is 2.11, which is a good value as it means it would take ASG, 2.11 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ASG (2.11) is comparable to the rest of the industry.
  • 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 80.95% 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
WACC6.31%
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

More info and screens

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

3

3. ASG.DE Growth Analysis

3.1 Past

  • ASG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
  • The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
  • Looking at the last year, ASG shows a decrease in Revenue. The Revenue has decreased by -9.60% in the last 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%18.97%
Revenue 1Y (TTM)-9.6%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.97%

3.2 Future

  • ASG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. ASG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.78 indicates a correct valuation of ASG.
  • 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 25.23.
  • A Price/Forward Earnings ratio of 10.80 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 22.51, ASG is valued rather cheaply.
Industry RankSector Rank
PE 13.78
Fwd PE 10.8
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

  • Based on the Price/Free Cash Flow ratio, ASG is valued cheaper than 92.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.85
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

  • ASG's 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%

More info and screens

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

7

5. ASG.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.86%, ASG is a good candidate for dividend investing.
  • ASG's Dividend Yield is comparable with the industry average which is at 4.59.
  • Compared to an average S&P500 Dividend Yield of 1.90, ASG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.86%

5.2 History

  • On average, the dividend of ASG grows each year by 7.30%, which is quite nice.
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

  • 56.80% of the earnings are spent on dividend by ASG. 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 2025 5B 10B 15B
ASG.DE Dividend Payout.ASG.DE Dividend Payout, showing the Payout Ratio.ASG.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ASG.DE Fundamentals: All Metrics, Ratios and Statistics

GENERALI

FRA:ASG (3/26/2026, 7:00:00 PM)

33.76

-0.08 (-0.24%)

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 Cap52.32B
Revenue(TTM)44.98B
Net Income(TTM)3.82B
Analysts74.07
Price Target36.64 (8.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.86%
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)-0.53%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)0.62%
Valuation
Industry RankSector Rank
PE 13.78
Fwd PE 10.8
P/S 1.07
P/FCF 2.85
P/OCF 2.78
P/B 1.76
P/tB 2.93
EV/EBITDA N/A
EPS(TTM)2.45
EY7.26%
EPS(NY)3.13
Fwd EY9.26%
FCF(TTM)11.83
FCFY35.04%
OCF(TTM)12.16
OCFY36.01%
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 0.92%
ROICexc 0.93%
ROICexgc 0.97%
OM 15.75%
PM (TTM) 7.79%
GM N/A
FCFM 37.34%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y0.91%
OM growth 5Y6.39%
PM growth 3Y-8.08%
PM growth 5Y13.14%
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
WACC6.31%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-9.6%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.97%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%
EBIT growth 1Y12.12%
EBIT growth 3Y1.15%
EBIT growth 5Y-5.92%
EBIT Next Year1241.05%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y104.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y103.92%
OCF growth 3YN/A
OCF growth 5YN/A

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 13.78 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 2 / 10.