GENERALI (G.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:G • IT0000062072
34.29 EUR
+0.49 (+1.45%)
Last: Jan 30, 2026, 01:57 PM
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 48 industry peers in the Insurance industry. There are concerns on the financial health of G while its profitability can be described as average. G has a valuation in line with the averages, but on the other hand it scores bad on growth. 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.
- In the past 5 years G has always been profitable.
- Each year in the past 5 years G had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.71%, G is doing worse than 68.75% of the companies in the same industry.
- G has a Return On Equity (12.87%) which is in line with its industry peers.
- G has a Return On Invested Capital (0.93%) which is comparable to the rest of the industry.
- G had an Average Return On Invested Capital over the past 3 years of 0.73%. This is below the industry average of 2.74%.
- 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
- G has a worse Profit Margin (7.79%) than 62.50% of its industry peers.
- In the last couple of years the Profit Margin of G has grown nicely.
- With a decent Operating Margin value of 15.75%, G is doing good in the industry, outperforming 72.92% of the companies in the same industry.
- G'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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so G is destroying value.
- Compared to 1 year ago, G has less shares outstanding
- G has less shares outstanding than it did 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.
- With a decent Debt to FCF ratio value of 2.11, G is doing good in the industry, outperforming 60.42% of the companies in the same industry.
- A Debt/Equity ratio of 1.30 is on the high side and indicates that G has dependencies on debt financing.
- G's Debt to Equity ratio of 1.30 is on the low side compared to the rest of the industry. G is outperformed by 79.17% 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
WACC6.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
- G 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 G 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
- Based on estimates for the next years, G will show a small growth in Earnings Per Share. The EPS will grow by 7.56% on average per year.
- Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 3.93% on average per year.
EPS Next Y16.28%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
EPS Next 5Y7.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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
- With a Price/Earnings ratio of 14.00, G is valued correctly.
- G's Price/Earnings is on the same level as the industry average.
- G is valuated cheaply when we compare the Price/Earnings ratio to 28.39, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 10.91, the valuation of G can be described as reasonable.
- G's Price/Forward Earnings is on the same level as the industry average.
- G is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, G is valued cheaply inside the industry as 97.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.9 | ||
| 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)0.86
PEG (5Y)1.79
EPS Next 2Y13.24%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.24%, G is a good candidate for dividend investing.
- G's Dividend Yield is comparable with the industry average which is at 4.17.
- G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.24% |
5.2 History
- The dividend of G is nicely growing with an annual growth rate of 7.30%!
Dividend Growth(5Y)7.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- G pays out 56.80% of its income as dividend. 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 2Y13.24%
EPS Next 3Y11.54%
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%.