GENERALI (G.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:G - IT0000062072 - Common Stock
34.94 EUR
+0.01 (+0.03%)
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 47 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. 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.
- In the past 5 years G always reported a positive cash flow from operatings.
1.2 Ratios
- G has a worse Return On Assets (0.71%) than 74.47% of its industry peers.
- G's Return On Equity of 12.87% is on the low side compared to the rest of the industry. G is outperformed by 61.70% of its industry peers.
- The Return On Invested Capital of G (0.93%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for G is in line with the industry average of 2.71%.
- The 3 year average ROIC (0.73%) for G is below the current ROIC(0.93%), indicating increased profibility in the last year.
| 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 Profit Margin of 7.79%. This is in the lower half of the industry: G underperforms 68.09% of its industry peers.
- In the last couple of years the Profit Margin of G has grown nicely.
- The Operating Margin of G (15.75%) is better than 70.21% of its industry peers.
- 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
- G has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for G has been reduced compared to 1 year ago.
- 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
- The Debt to FCF ratio of G is 2.11, which is a good value as it means it would take G, 2.11 years of fcf income to pay off all of its debts.
- G's Debt to FCF ratio of 2.11 is in line compared to the rest of the industry. G outperforms 59.57% 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.
- Looking at the Debt to Equity ratio, with a value of 1.30, G is doing worse than 82.98% of the companies in the same industry.
- Although G does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| 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.
- Looking at the last year, G shows a decrease in Revenue. The Revenue has decreased by -9.82% in the last year.
- 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
- 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.
- G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.93% yearly.
EPS Next Y16.3%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
EPS Next 5Y7.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.26, G is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of G indicates a slightly more expensive valuation: G is more expensive than 61.70% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (27.47), we can say G is valued slightly cheaper.
- The Price/Forward Earnings ratio is 11.10, which indicates a very decent valuation of G.
- 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 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 11.1 |
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 95.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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)1.82
EPS Next 2Y13.37%
EPS Next 3Y11.67%
5. Dividend
5.1 Amount
- G has a Yearly Dividend Yield of 4.09%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.02, 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.09% |
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.
- The dividend of G is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP56.8%
EPS Next 2Y13.37%
EPS Next 3Y11.67%
BIT:G (1/16/2026, 7:00:00 PM)
34.94
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-12 2026-03-12/amc
Inst Owners33.6%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap54.15B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts73.6
Price Target35.8 (2.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.09% |
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)4.15%
PT rev (3m)6.99%
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 | 14.26 | ||
| Fwd PE | 11.1 | ||
| P/S | 1.1 | ||
| P/FCF | 2.95 | ||
| P/OCF | 2.87 | ||
| P/B | 1.82 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.01%
EPS(NY)3.15
Fwd EY9.01%
FCF(TTM)11.83
FCFY33.85%
OCF(TTM)12.16
OCFY34.79%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.87
PEG (5Y)1.82
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 5Y7.56%
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 5Y3.93%
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%.