GENERALI (ASG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ASG - IT0000062072 - Common Stock
35.73 EUR
+0.16 (+0.45%)
Overall ASG gets a fundamental rating of 4 out of 10. We evaluated ASG against 47 industry peers in the Insurance industry. There are concerns on the financial health of ASG while its profitability can be described as average. ASG has a valuation in line with the averages, but on the other hand it scores bad on growth.
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
The Return On Assets of ASG (0.71%) is worse than 70.21% of its industry peers.
ASG's Return On Equity of 12.87% is in line compared to the rest of the industry. ASG outperforms 42.55% of its industry peers.
With a Return On Invested Capital value of 0.93%, ASG perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ASG is in line with the industry average of 2.63%.
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 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
ASG has a Profit Margin (7.79%) which is in line with its industry peers.
In the last couple of years the Profit Margin of ASG has grown nicely.
With a decent Operating Margin value of 15.75%, ASG is doing good in the industry, outperforming 76.60% of the companies in the same industry.
In the last couple of years the Operating Margin of ASG has grown nicely.
| 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.
ASG has less shares outstanding than it did 5 years ago.
ASG has a worse debt/assets ratio than last year.
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 has a Debt to FCF ratio (2.11) which is in line with its industry peers.
A Debt/Equity ratio of 1.30 is on the high side and indicates that ASG has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.30, ASG is doing worse than 78.72% of the companies in the same industry.
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
WACC6.34%
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.
The Revenue for ASG have been decreasing by -14.37% on average. This is quite bad
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
The Earnings Per Share is expected to grow by 8.51% on average over the next years. This is quite good.
Based on estimates for the next years, ASG will show a small growth in Revenue. The Revenue will grow by 4.05% on average per year.
EPS Next Y16.3%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
EPS Next 5Y8.51%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y4.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.58, the valuation of ASG can be described as correct.
Based on the Price/Earnings ratio, ASG is valued a bit more expensive than 63.83% of the companies in the same industry.
ASG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.35, the valuation of ASG can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ASG is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.13. ASG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.58 | ||
| Fwd PE | 11.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ASG is valued cheaply inside the industry as 97.87% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.02 | ||
| 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)0.89
PEG (5Y)1.86
EPS Next 2Y13.37%
EPS Next 3Y11.67%
5. Dividend
5.1 Amount
ASG has a Yearly Dividend Yield of 3.99%.
Compared to an average industry Dividend Yield of 3.90, ASG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, ASG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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
ASG pays out 56.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ASG is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP56.8%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
FRA:ASG (12/30/2025, 7:00:00 PM)
35.73
+0.16 (+0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.56%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap55.37B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts68.8
Price Target35.92 (0.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
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)8.07%
PT rev (3m)8.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)0.19%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.58 | ||
| Fwd PE | 11.35 | ||
| P/S | 1.13 | ||
| P/FCF | 3.02 | ||
| P/OCF | 2.94 | ||
| P/B | 1.86 | ||
| P/tB | 3.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY6.86%
EPS(NY)3.15
Fwd EY8.81%
FCF(TTM)11.83
FCFY33.1%
OCF(TTM)12.16
OCFY34.02%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.89
PEG (5Y)1.86
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
WACC6.34%
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 5Y8.51%
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 5Y4.05%
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 14.58 and the Price/Book (PB) ratio is 1.86.
What is the financial health of GENERALI (ASG.DE) stock?
The financial health rating of GENERALI (ASG.DE) is 2 / 10.