GENERALI (G.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:G - IT0000062072 - Common Stock
34.82 EUR
-0.26 (-0.74%)
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 49 industry peers in the Insurance industry. While G is still in line with the averages on profitability rating, there are concerns on its financial health. G has a valuation in line with the averages, but it does not seem to be growing. Finally G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
G had positive earnings in the past year.
G had a positive operating cash flow in the past year.
Each year in the past 5 years G has been profitable.
G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
G's Return On Assets of 0.71% is on the low side compared to the rest of the industry. G is outperformed by 73.47% of its industry peers.
With a Return On Equity value of 12.87%, G perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
G has a Return On Invested Capital of 0.93%. This is comparable to the rest of the industry: G outperforms 48.98% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for G is in line with the industry average of 2.69%.
The last Return On Invested Capital (0.93%) for G 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
With a Profit Margin value of 7.79%, G is not doing good in the industry: 65.31% of the companies in the same industry are doing better.
G's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 15.75%, G is doing good in the industry, outperforming 73.47% of the companies in the same industry.
In the last couple of years the Operating Margin of G 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so G is destroying value.
The number of shares outstanding for G has been reduced compared to 1 year ago.
The number of shares outstanding for G has been reduced compared to 5 years ago.
Compared to 1 year ago, G has a worse debt to assets ratio.
2.2 Solvency
G has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as G would need 2.11 years to pay back of all of its debts.
The Debt to FCF ratio of G (2.11) is better than 61.22% of its industry peers.
G has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
G has a Debt to Equity ratio of 1.30. This is in the lower half of the industry: G underperforms 79.59% of its industry peers.
Even though the debt/equity ratio score it not favorable for G, 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
WACC6.28%
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.
G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.84% yearly.
G shows a decrease in Revenue. In the last year, the revenue decreased by -9.82%.
G shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.37% yearly.
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.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
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
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
The Price/Earnings ratio is 14.21, which indicates a correct valuation of G.
The rest of the industry has a similar Price/Earnings ratio as G.
G's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.19.
A Price/Forward Earnings ratio of 11.06 indicates a reasonable valuation of G.
G's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.21 | ||
| Fwd PE | 11.06 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of G indicates a rather cheap valuation: G is cheaper than 97.96% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
G'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)1.81
EPS Next 2Y13.37%
EPS Next 3Y11.67%
5. Dividend
5.1 Amount
G has a Yearly Dividend Yield of 4.00%, which is a nice return.
G's Dividend Yield is comparable with the industry average which is at 4.08.
G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
5.2 History
On average, the dividend of G grows each year by 7.30%, which is quite nice.
Dividend Growth(5Y)7.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
56.80% of the earnings are spent on dividend by G. This is a bit on the high side, but may be sustainable.
G'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%
BIT:G (1/9/2026, 7:00:00 PM)
34.82
-0.26 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.6%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap53.96B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts68.8
Price Target35.46 (1.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP56.8%
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)6.67%
PT rev (3m)5.96%
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 | 14.21 | ||
| Fwd PE | 11.06 | ||
| P/S | 1.1 | ||
| P/FCF | 2.94 | ||
| P/OCF | 2.86 | ||
| P/B | 1.82 | ||
| P/tB | 3.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.04%
EPS(NY)3.15
Fwd EY9.04%
FCF(TTM)11.83
FCFY33.97%
OCF(TTM)12.16
OCFY34.91%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.87
PEG (5Y)1.81
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
WACC6.28%
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 / G.MI FAQ
What is the fundamental rating for G stock?
ChartMill assigns a fundamental rating of 4 / 10 to G.MI.
What is the valuation status for G stock?
ChartMill assigns a valuation rating of 5 / 10 to GENERALI (G.MI). This can be considered as Fairly Valued.
What is the profitability of G stock?
GENERALI (G.MI) has a profitability rating of 5 / 10.
How financially healthy is GENERALI?
The financial health rating of GENERALI (G.MI) is 3 / 10.
Is the dividend of GENERALI sustainable?
The dividend rating of GENERALI (G.MI) is 7 / 10 and the dividend payout ratio is 56.8%.