BANCA GENERALI SPA (BGN.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BGN - IT0001031084 - Common Stock
55.95 EUR
+0.2 (+0.36%)
Overall BGN gets a fundamental rating of 5 out of 10. We evaluated BGN against 117 industry peers in the Capital Markets industry. While BGN has a great profitability rating, there are quite some concerns on its financial health. BGN has a correct valuation and a medium growth rate. BGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BGN was profitable.
BGN had a positive operating cash flow in the past year.
BGN had positive earnings in each of the past 5 years.
Of the past 5 years BGN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.42%, BGN is in the better half of the industry, outperforming 65.81% of the companies in the same industry.
BGN's Return On Equity of 44.44% is amongst the best of the industry. BGN outperforms 96.58% of its industry peers.
BGN's Return On Invested Capital of 3.89% is fine compared to the rest of the industry. BGN outperforms 62.39% of its industry peers.
BGN had an Average Return On Invested Capital over the past 3 years of 2.08%. This is significantly below the industry average of 9.39%.
The last Return On Invested Capital (3.89%) for BGN is above the 3 year average (2.08%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 44.44% | ||
| ROIC | 3.89% |
ROA(3y)1.97%
ROA(5y)2%
ROE(3y)25.46%
ROE(5y)25.76%
ROIC(3y)2.08%
ROIC(5y)2.02%
1.3 Margins
Looking at the Profit Margin, with a value of 26.04%, BGN is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
BGN's Profit Margin has been stable in the last couple of years.
BGN has a better Operating Margin (38.84%) than 76.92% of its industry peers.
BGN's Operating Margin has been stable in the last couple of years.
BGN has a Gross Margin of 62.76%. This is in the better half of the industry: BGN outperforms 70.94% of its industry peers.
BGN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.84% | ||
| PM (TTM) | 26.04% | ||
| GM | 62.76% |
OM growth 3Y3.47%
OM growth 5Y1.48%
PM growth 3Y1.03%
PM growth 5Y-0.14%
GM growth 3Y2.26%
GM growth 5Y1.11%
2. Health
2.1 Basic Checks
The number of shares outstanding for BGN remains at a similar level compared to 1 year ago.
BGN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BGN has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.33, we must say that BGN is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of BGN (-0.33) is worse than 61.54% of its industry peers.
The Debt to FCF ratio of BGN is 26.84, which is on the high side as it means it would take BGN, 26.84 years of fcf income to pay off all of its debts.
BGN has a better Debt to FCF ratio (26.84) than 63.25% of its industry peers.
BGN has a Debt/Equity ratio of 11.08. This is a high value indicating a heavy dependency on external financing.
BGN's Debt to Equity ratio of 11.08 is on the low side compared to the rest of the industry. BGN is outperformed by 73.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Altman-Z | -0.33 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.06 indicates that BGN may have some problems paying its short term obligations.
With a Current ratio value of 0.06, BGN is not doing good in the industry: 65.81% of the companies in the same industry are doing better.
BGN has a Quick Ratio of 0.06. This is a bad value and indicates that BGN is not financially healthy enough and could expect problems in meeting its short term obligations.
BGN's Quick ratio of 0.06 is on the low side compared to the rest of the industry. BGN is outperformed by 65.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.74% over the past year.
BGN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.97% yearly.
BGN shows a small growth in Revenue. In the last year, the Revenue has grown by 6.91%.
The Revenue has been growing by 9.79% on average over the past years. This is quite good.
EPS 1Y (TTM)0.74%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%15.39%
Revenue 1Y (TTM)6.91%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%8.39%
3.2 Future
BGN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.45% yearly.
The Revenue is expected to grow by 2.00% on average over the next years.
EPS Next Y-1.36%
EPS Next 2Y-0.08%
EPS Next 3Y1.1%
EPS Next 5Y1.45%
Revenue Next Year2.1%
Revenue Next 2Y2.62%
Revenue Next 3Y3.13%
Revenue Next 5Y2%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.34, the valuation of BGN can be described as very reasonable.
82.91% of the companies in the same industry are more expensive than BGN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.56, BGN is valued rather cheaply.
With a Price/Forward Earnings ratio of 15.71, BGN is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BGN indicates a somewhat cheap valuation: BGN is cheaper than 74.36% of the companies listed in the same industry.
BGN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 15.71 |
4.2 Price Multiples
BGN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BGN is cheaper than 84.62% of the companies in the same industry.
85.47% of the companies in the same industry are more expensive than BGN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.67 | ||
| EV/EBITDA | 6.48 |
4.3 Compensation for Growth
BGN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2Y-0.08%
EPS Next 3Y1.1%
5. Dividend
5.1 Amount
BGN has a Yearly Dividend Yield of 5.03%, which is a nice return.
Compared to an average industry Dividend Yield of 3.31, BGN pays a better dividend. On top of this BGN pays more dividend than 81.20% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, BGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
5.2 History
The dividend of BGN is nicely growing with an annual growth rate of 12.15%!
Dividend Growth(5Y)12.15%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BGN pays out 52.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BGN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.33%
EPS Next 2Y-0.08%
EPS Next 3Y1.1%
BIT:BGN (12/15/2025, 10:20:06 AM)
55.95
+0.2 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners24.1%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap6.54B
Revenue(TTM)2.34B
Net Income(TTM)601.17M
Analysts78.33
Price Target58.68 (4.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.03% |
Yearly Dividend2.22
Dividend Growth(5Y)12.15%
DP52.33%
Div Incr Years0
Div Non Decr Years0
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)7.78%
PT rev (3m)8.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.81%
EPS NY rev (3m)4.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.58%
Revenue NY rev (3m)2.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 15.71 | ||
| P/S | 2.83 | ||
| P/FCF | 11.67 | ||
| P/OCF | 11.18 | ||
| P/B | 4.83 | ||
| P/tB | 5.71 | ||
| EV/EBITDA | 6.48 |
EPS(TTM)5.41
EY9.67%
EPS(NY)3.56
Fwd EY6.37%
FCF(TTM)4.79
FCFY8.57%
OCF(TTM)5
OCFY8.95%
SpS19.76
BVpS11.58
TBVpS9.79
PEG (NY)N/A
PEG (5Y)1.04
Graham Number37.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 44.44% | ||
| ROCE | 35.96% | ||
| ROIC | 3.89% | ||
| ROICexc | 4.06% | ||
| ROICexgc | 4.21% | ||
| OM | 38.84% | ||
| PM (TTM) | 26.04% | ||
| GM | 62.76% | ||
| FCFM | 24.27% |
ROA(3y)1.97%
ROA(5y)2%
ROE(3y)25.46%
ROE(5y)25.76%
ROIC(3y)2.08%
ROIC(5y)2.02%
ROICexc(3y)2.19%
ROICexc(5y)2.15%
ROICexgc(3y)2.26%
ROICexgc(5y)2.21%
ROCE(3y)19.82%
ROCE(5y)19.31%
ROICexgc growth 3Y10.33%
ROICexgc growth 5Y4.16%
ROICexc growth 3Y9.91%
ROICexc growth 5Y4.01%
OM growth 3Y3.47%
OM growth 5Y1.48%
PM growth 3Y1.03%
PM growth 5Y-0.14%
GM growth 3Y2.26%
GM growth 5Y1.11%
F-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Debt/EBITDA | 15.92 | ||
| Cap/Depr | 55.13% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 62.13% | ||
| Profit Quality | 93.19% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.33 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)60.41%
Cap/Depr(5y)53.91%
Cap/Sales(3y)1.82%
Cap/Sales(5y)1.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.74%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%15.39%
EPS Next Y-1.36%
EPS Next 2Y-0.08%
EPS Next 3Y1.1%
EPS Next 5Y1.45%
Revenue 1Y (TTM)6.91%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%8.39%
Revenue Next Year2.1%
Revenue Next 2Y2.62%
Revenue Next 3Y3.13%
Revenue Next 5Y2%
EBIT growth 1Y3.12%
EBIT growth 3Y12.77%
EBIT growth 5Y11.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y169.47%
FCF growth 3Y-17.34%
FCF growth 5YN/A
OCF growth 1Y174.45%
OCF growth 3Y-16.68%
OCF growth 5YN/A
BANCA GENERALI SPA / BGN.MI FAQ
What is the fundamental rating for BGN stock?
ChartMill assigns a fundamental rating of 5 / 10 to BGN.MI.
What is the valuation status for BGN stock?
ChartMill assigns a valuation rating of 6 / 10 to BANCA GENERALI SPA (BGN.MI). This can be considered as Fairly Valued.
What is the profitability of BGN stock?
BANCA GENERALI SPA (BGN.MI) has a profitability rating of 7 / 10.
What is the valuation of BANCA GENERALI SPA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCA GENERALI SPA (BGN.MI) is 10.34 and the Price/Book (PB) ratio is 4.83.
What is the earnings growth outlook for BANCA GENERALI SPA?
The Earnings per Share (EPS) of BANCA GENERALI SPA (BGN.MI) is expected to decline by -1.36% in the next year.