BANCA GENERALI SPA(BIT:BGN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BGN scores 4 out of 10 in our fundamental rating. BGN was compared to 105 industry peers in the Capital Markets industry. BGN has a medium profitability rating, but doesn't score so well on its financial health evaluation. BGN is not valued too expensively and it also shows a decent growth rate. Finally BGN also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year BGN was profitable.

BGN had positive earnings in each of the past 5 years.

In multiple years BGN reported negative operating cash flow during the last 5 years.

1.2 Ratios

BGN has a Return On Assets (3.88%) which is comparable to the rest of the industry.

The Return On Equity of BGN (44.67%) is better than 98.53% of its industry peers.

BGN's Return On Invested Capital of 4.57% is fine compared to the rest of the industry. BGN outperforms 60.29% of its industry peers.

		Industry Rank	Sector Rank
ROA	3.88%
ROE	44.67%
ROIC	4.57%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BGN has a better Profit Margin (28.25%) than 63.24% of its industry peers.

In the last couple of years the Profit Margin of BGN has remained more or less at the same level.

BGN has a Operating Margin of 44.65%. This is in the better half of the industry: BGN outperforms 79.41% of its industry peers.

BGN's Operating Margin has improved in the last couple of years.

BGN has a Gross Margin of 63.55%. This is in the better half of the industry: BGN outperforms 61.76% of its industry peers.

In the last couple of years the Gross Margin of BGN has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	44.65%
PM (TTM)	28.25%
GM	63.55%

OM growth 3Y9.77%

OM growth 5Y5.14%

PM growth 3Y1.03%

PM growth 5Y-0.14%

GM growth 3Y1.72%

GM growth 5Y0.79%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

BGN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

A Debt/Equity ratio of 9.95 is on the high side and indicates that BGN has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 9.95, BGN is doing worse than 94.12% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	9.95
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

BGN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.50%, which is quite impressive.

Measured over the past years, BGN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.98% on average per year.

Looking at the last year, BGN shows a quite strong growth in Revenue. The Revenue has grown by 19.17% in the last year.

BGN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.79% yearly.

EPS 1Y (TTM)33.5%

EPS 3Y10.44%

EPS 5Y9.98%

EPS Q2Q%26.73%

Revenue 1Y (TTM)19.17%

Revenue growth 3Y8.98%

Revenue growth 5Y9.79%

Sales Q2Q%18.45%

3.2 Future

The Earnings Per Share is expected to grow by 0.99% on average over the next years.

Based on estimates for the next years, BGN will show a small growth in Revenue. The Revenue will grow by 1.97% on average per year.

EPS Next Y-8.01%

EPS Next 2Y-2.33%

EPS Next 3Y0.99%

EPS Next 5YN/A

Revenue Next Year-4.74%

Revenue Next 2Y-0.32%

Revenue Next 3Y1.97%

Revenue Next 5YN/A

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 decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.73, which indicates a very decent valuation of BGN.

BGN's Price/Earnings ratio is rather cheap when compared to the industry. BGN is cheaper than 85.29% of the companies in the same industry.

BGN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.75.

With a Price/Forward Earnings ratio of 15.22, BGN is valued correctly.

BGN's Price/Forward Earnings is on the same level as the industry average.

BGN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.44.

		Industry Rank	Sector Rank
PE	8.73
Fwd PE	15.22

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.88

EPS Next 2Y-2.33%

EPS Next 3Y0.99%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BGN has a Yearly Dividend Yield of 5.57%, which is a nice return.

BGN's Dividend Yield is rather good when compared to the industry average which is at 5.40. BGN pays more dividend than 83.82% of the companies in the same industry.

BGN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	5.57%

5.2 History

The dividend of BGN is nicely growing with an annual growth rate of 8.07%!

Dividend Growth(5Y)8.07%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BGN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y-2.33%

EPS Next 3Y0.99%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCA GENERALI SPA

BIT:BGN (3/4/2025, 10:03:16 AM)

49.96

-0.59 (-1.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)11-07 2024-11-07

Earnings (Next)03-06 2025-03-06/amc

Inst Owners25.33%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.84B

Analysts67.69

Price Target50.05 (0.18%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.57%

Yearly Dividend1.85

Dividend Growth(5Y)8.07%

DP0%

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)10.59%

PT rev (3m)15.33%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)2.54%

EPS NY rev (3m)4.93%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)3.77%

Valuation

		Industry Rank	Sector Rank
PE	8.73
Fwd PE	15.22
P/S	2.53
P/FCF	N/A
P/OCF	N/A
P/B	4
P/tB	4
EV/EBITDA	N/A

EPS(TTM)5.72

EY11.45%

EPS(NY)3.28

Fwd EY6.57%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS19.75

BVpS12.49

TBVpS12.49

PEG (NY)N/A

PEG (5Y)0.88

Profitability

		Industry Rank	Sector Rank
ROA	3.88%
ROE	44.67%
ROCE	45.16%
ROIC	4.57%
ROICexc	4.57%
ROICexgc	4.77%
OM	44.65%
PM (TTM)	28.25%
GM	63.55%
FCFM	N/A

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3Y9.77%

OM growth 5Y5.14%

PM growth 3Y1.03%

PM growth 5Y-0.14%

GM growth 3Y1.72%

GM growth 5Y0.79%

F-ScoreN/A

Asset Turnover0.14

Health

		Industry Rank	Sector Rank
Debt/Equity	9.95
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACCN/A

ROIC/WACCN/A

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)33.5%

EPS 3Y10.44%

EPS 5Y9.98%

EPS Q2Q%26.73%

EPS Next Y-8.01%

EPS Next 2Y-2.33%

EPS Next 3Y0.99%

EPS Next 5YN/A

Revenue 1Y (TTM)19.17%

Revenue growth 3Y8.98%

Revenue growth 5Y9.79%

Sales Q2Q%18.45%

Revenue Next Year-4.74%

Revenue Next 2Y-0.32%

Revenue Next 3Y1.97%

Revenue Next 5YN/A

EBIT growth 1Y40.15%

EBIT growth 3Y19.63%

EBIT growth 5Y15.44%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

BANCA GENERALI SPA (BGN.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens