GENERALI (ASG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ASG - IT0000062072 - Common Stock
34.66 EUR
-0.3 (-0.86%)
ASG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. ASG has a medium profitability rating, but doesn't score so well on its financial health evaluation. ASG has a valuation in line with the averages, but it does not seem to be growing. ASG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year ASG was profitable.
- In the past year ASG had a positive cash flow from operations.
- In the past 5 years ASG has always been profitable.
- ASG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ASG's Return On Assets of 0.71% is on the low side compared to the rest of the industry. ASG is outperformed by 71.74% of its industry peers.
- Looking at the Return On Equity, with a value of 12.87%, ASG is doing worse than 60.87% of the companies in the same industry.
- ASG has a Return On Invested Capital of 0.93%. This is comparable to the rest of the industry: ASG outperforms 50.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ASG is in line with the industry average of 2.71%.
- The 3 year average ROIC (0.73%) for ASG is below the current ROIC(0.93%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of ASG (7.79%) is worse than 65.22% of its industry peers.
- ASG's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 15.75%, ASG is doing good in the industry, outperforming 73.91% of the companies in the same industry.
- ASG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
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.
- Compared to 5 years ago, ASG has less shares outstanding
- The debt/assets ratio for ASG is higher compared to a year ago.
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.
- ASG's Debt to FCF ratio of 2.11 is fine compared to the rest of the industry. ASG outperforms 60.87% 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.
- ASG has a Debt to Equity ratio of 1.30. This is amonst the worse of the industry: ASG underperforms 80.43% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC6.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 5.60% over the past year.
- ASG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.84% yearly.
- 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
- ASG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.56% yearly.
- Based on estimates for the next years, ASG will show a small growth in Revenue. The Revenue will grow by 3.93% on average per year.
EPS Next Y16.3%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
EPS Next 5Y7.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 14.15, which indicates a correct valuation of ASG.
- ASG's Price/Earnings ratio is a bit more expensive when compared to the industry. ASG is more expensive than 60.87% of the companies in the same industry.
- ASG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.01, which indicates a very decent valuation of ASG.
- The rest of the industry has a similar Price/Forward Earnings ratio as ASG.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. ASG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | 11.01 |
4.2 Price Multiples
- 97.83% of the companies in the same industry are more expensive than ASG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.93 | ||
| EV/EBITDA | N/A |
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)1.8
EPS Next 2Y13.37%
EPS Next 3Y11.67%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.08%, ASG is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.93, ASG has a dividend in line with its industry peers.
- ASG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
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
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 2Y13.37%
EPS Next 3Y11.67%
FRA:ASG (1/13/2026, 7:00:00 PM)
34.66
-0.3 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-12 2026-03-12/amc
Inst Owners33.6%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap53.72B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts73.6
Price Target35.92 (3.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
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)4.44%
PT rev (3m)7.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)0.19%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | 11.01 | ||
| P/S | 1.09 | ||
| P/FCF | 2.93 | ||
| P/OCF | 2.85 | ||
| P/B | 1.81 | ||
| P/tB | 3.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.07%
EPS(NY)3.15
Fwd EY9.09%
FCF(TTM)11.83
FCFY34.13%
OCF(TTM)12.16
OCFY35.07%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.87
PEG (5Y)1.8
Graham Number32.51
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.27%
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 Y16.3%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
EPS Next 5Y7.56%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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 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 5 / 10.
What is the valuation of GENERALI based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GENERALI (ASG.DE) is 14.15 and the Price/Book (PB) ratio is 1.81.
What is the financial health of GENERALI (ASG.DE) stock?
The financial health rating of GENERALI (ASG.DE) is 3 / 10.