GENERALI (G.MI) Stock Fundamental Analysis
BIT:G - Euronext Milan - IT0000062072 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to G. G was compared to 34 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 decent growth rate and is not valued too expensively. Finally G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
G had positive earnings in the past year.
In the past year G had a positive cash flow from operations.
In the past 5 years G has always been profitable.
In the past 5 years G always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of G (0.69%) is worse than 67.65% of its industry peers.
Looking at the Return On Equity, with a value of 12.25%, G is in line with its industry, outperforming 44.12% of the companies in the same industry.
G has a Return On Invested Capital (1.14%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for G is in line with the industry average of 2.22%.
The 3 year average ROIC (1.02%) for G is below the current ROIC(1.14%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 12.25% | ||
| ROIC | 1.14% |
ROA(3y)0.62%
ROA(5y)0.54%
ROE(3y)11.19%
ROE(5y)9.82%
ROIC(3y)1.02%
ROIC(5y)0.99%
1.3 Margins
With a Profit Margin value of 6.50%, G is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of G has grown nicely.
The Operating Margin of G (14.76%) is better than 70.59% of its industry peers.
In the last couple of years the Operating Margin of G has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.76% | ||
| PM (TTM) | 6.5% | ||
| GM | N/A |
OM growth 3Y22.73%
OM growth 5Y16.91%
PM growth 3Y30.83%
PM growth 5Y17.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), G is destroying value.
Compared to 1 year ago, G has less shares outstanding
Compared to 5 years ago, G has less shares outstanding
Compared to 1 year ago, G has a worse debt to assets ratio.
2.2 Solvency
G has a debt to FCF ratio of 2.50. This is a good value and a sign of high solvency as G would need 2.50 years to pay back of all of its debts.
G's Debt to FCF ratio of 2.50 is fine compared to the rest of the industry. G outperforms 61.76% of its industry peers.
G has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of G (1.24) is worse than 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 2.5 | ||
| Altman-Z | N/A |
ROIC/WACC0.16
WACC6.95%
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%.
Measured over the past 5 years, G shows a small growth in Earnings Per Share. The EPS has been growing by 7.84% on average per year.
G shows a small growth in Revenue. In the last year, the Revenue has grown by 6.77%.
Measured over the past years, G shows a decrease in Revenue. The Revenue has been decreasing by -9.23% on average per year.
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%45%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%11.2%
3.2 Future
Based on estimates for the next years, G will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.67% on average per year.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.55% yearly.
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.67%
Revenue Next Year4.68%
Revenue Next 2Y4.09%
Revenue Next 3Y5.55%
Revenue Next 5Y4.55%
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
G is valuated correctly with a Price/Earnings ratio of 13.04.
The rest of the industry has a similar Price/Earnings ratio as G.
G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
A Price/Forward Earnings ratio of 11.53 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 21.65, G is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.04 | ||
| Fwd PE | 11.53 |
4.2 Price Multiples
94.12% of the companies in the same industry are more expensive than G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.34 | ||
| 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)0.99
PEG (5Y)1.66
EPS Next 2Y10.56%
EPS Next 3Y10.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.63%, G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.79, G has a dividend in line with its industry peers.
G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.63% |
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 53.33% 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.
DP53.33%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
BIT:G (4/25/2025, 5:36:15 PM)
31.96
+0.42 (+1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.62%
Inst Owner ChangeN/A
Ins Owners16.85%
Ins Owner ChangeN/A
Market Cap50.16B
Analysts68.15
Price Target30.61 (-4.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.63% |
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP53.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.03%
Min EPS beat(2)-39.48%
Max EPS beat(2)-10.58%
EPS beat(4)1
Avg EPS beat(4)-15.42%
Min EPS beat(4)-39.48%
Max EPS beat(4)13.6%
EPS beat(8)3
Avg EPS beat(8)-8.53%
EPS beat(12)3
Avg EPS beat(12)-13.21%
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)2.81%
PT rev (3m)9.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.88%
EPS NY rev (1m)-1.36%
EPS NY rev (3m)-1.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.04 | ||
| Fwd PE | 11.53 | ||
| P/S | 0.88 | ||
| P/FCF | 3.34 | ||
| P/OCF | 3.26 | ||
| P/B | 1.65 | ||
| P/tB | 2.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.67%
EPS(NY)2.77
Fwd EY8.68%
FCF(TTM)9.56
FCFY29.92%
OCF(TTM)9.8
OCFY30.67%
SpS36.5
BVpS19.36
TBVpS11.81
PEG (NY)0.99
PEG (5Y)1.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 12.25% | ||
| ROCE | 1.6% | ||
| ROIC | 1.14% | ||
| ROICexc | 1.14% | ||
| ROICexgc | 1.19% | ||
| OM | 14.76% | ||
| PM (TTM) | 6.5% | ||
| GM | N/A | ||
| FCFM | 26.2% |
ROA(3y)0.62%
ROA(5y)0.54%
ROE(3y)11.19%
ROE(5y)9.82%
ROIC(3y)1.02%
ROIC(5y)0.99%
ROICexc(3y)1.04%
ROICexc(5y)1.01%
ROICexgc(3y)1.08%
ROICexgc(5y)1.05%
ROCE(3y)1.44%
ROCE(5y)1.4%
ROICexcg growth 3Y5.43%
ROICexcg growth 5Y5.15%
ROICexc growth 3Y5.74%
ROICexc growth 5Y5.3%
OM growth 3Y22.73%
OM growth 5Y16.91%
PM growth 3Y30.83%
PM growth 5Y17.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 2.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.66% | ||
| Interest Coverage | 4.13 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 402.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.95%
ROIC/WACC0.16
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.99%
Cap/Sales(5y)N/A
Profit Quality(3y)288.69%
Profit Quality(5y)514%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%45%
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.67%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%11.2%
Revenue Next Year4.68%
Revenue Next 2Y4.09%
Revenue Next 3Y5.55%
Revenue Next 5Y4.55%
EBIT growth 1Y2.52%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
EBIT Next Year1434.03%
EBIT Next 3Y156.59%
EBIT Next 5YN/A
FCF growth 1Y864.95%
FCF growth 3Y-4.96%
FCF growth 5Y-5.36%
OCF growth 1Y788.16%
OCF growth 3Y-4.17%
OCF growth 5Y-5.43%