GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

38.1 EUR
+0.19 (+0.5%)
Last:

This G.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. G.MI Profitability Analysis

1.1 Basic Checks

  • In the past year G was profitable.
  • 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.
G.MI Yearly Net Income VS EBIT VS OCF VS FCFG.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of G (0.47%) is worse than 71.05% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.24%, G is doing worse than 68.42% of the companies in the same industry.
  • The Return On Invested Capital of G (0.68%) 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 2.62%.
  • The 3 year average ROIC (0.67%) for G is below the current ROIC(0.68%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.47%
ROE 8.24%
ROIC 0.68%
ROA(3y)0.44%
ROA(5y)0.45%
ROE(3y)7.67%
ROE(5y)8.22%
ROIC(3y)0.67%
ROIC(5y)0.69%
G.MI Yearly ROA, ROE, ROICG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 5.72%, G is doing worse than 60.53% of the companies in the same industry.
  • G's Profit Margin has improved in the last couple of years.
  • G has a better Operating Margin (13.22%) than 63.16% of its industry peers.
  • G's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.22%
PM (TTM) 5.72%
GM N/A
OM growth 3Y-1.25%
OM growth 5Y5.01%
PM growth 3Y-14.61%
PM growth 5Y8.25%
GM growth 3YN/A
GM growth 5YN/A
G.MI Yearly Profit, Operating, Gross MarginsG.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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3

2. G.MI Health Analysis

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
  • The number of shares outstanding for G has been reduced compared to 5 years ago.
  • The debt/assets ratio for G is higher compared to a year ago.
G.MI Yearly Shares OutstandingG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
G.MI Yearly Total Debt VS Total AssetsG.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • G has a debt to FCF ratio of 2.06. This is a good value and a sign of high solvency as G would need 2.06 years to pay back of all of its debts.
  • G has a better Debt to FCF ratio (2.06) than 60.53% of its industry peers.
  • G has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
  • G has a Debt to Equity ratio of 1.23. This is in the lower half of the industry: G underperforms 76.32% of its industry peers.
  • Although G's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 1.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACC0.11
WACC5.92%
G.MI Yearly LT Debt VS Equity VS FCFG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
G.MI Yearly Current Assets VS Current LiabilitesG.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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3

3. G.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.60% over the past year.
  • 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 decrease in Revenue. In the last year, the revenue decreased by -7.15%.
  • Measured over the past years, G shows a very negative growth in Revenue. The Revenue has been decreasing by -14.37% on average per year.
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
Revenue 1Y (TTM)-7.15%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.91%

3.2 Future

  • G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.82% yearly.
  • G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.66% yearly.
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y7.82%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
Revenue Next 5Y4.66%

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.
G.MI Yearly Revenue VS EstimatesG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B 100B
G.MI Yearly EPS VS EstimatesG.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4

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4

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.55, the valuation of G can be described as correct.
  • Based on the Price/Earnings ratio, G is valued a bit more expensive than the industry average as 65.79% of the companies are valued more cheaply.
  • G is valuated rather cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.12, the valuation of G can be described as correct.
  • G's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.75, G is valued a bit cheaper.
Industry RankSector Rank
PE 15.55
Fwd PE 12.12
G.MI Price Earnings VS Forward Price EarningsG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 97.37% of the companies in the same industry are more expensive than G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.07
EV/EBITDA N/A
G.MI Per share dataG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)0.99
PEG (5Y)1.98
EPS Next 2Y13.26%
EPS Next 3Y11.68%

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6

5. G.MI Dividend Analysis

5.1 Amount

  • G has a Yearly Dividend Yield of 4.35%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.46, 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 1.82.
Industry RankSector Rank
Dividend Yield 4.35%

5.2 History

  • The dividend of G is nicely growing with an annual growth rate of 23.53%!
Dividend Growth(5Y)23.53%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • G pays out 82.17% of its income as dividend. This is not a sustainable payout ratio.
  • G's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP82.17%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
G.MI Yearly Income VS Free CF VS DividendG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
G.MI Dividend Payout.G.MI Dividend Payout, showing the Payout Ratio.G.MI Dividend Payout.PayoutRetained Earnings

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G.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALI

BIT:G (4/30/2026, 7:00:00 PM)

38.1

+0.19 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength79.05
Industry Growth69.33
Earnings (Last)03-12
Earnings (Next)05-21
Inst Owners34.01%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap59.05B
Revenue(TTM)46.20B
Net Income(TTM)2.64B
Analysts74.07
Price Target37.21 (-2.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
Yearly Dividend1.44
Dividend Growth(5Y)23.53%
DP82.17%
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)1.58%
PT rev (3m)3.94%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.56%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.5%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 15.55
Fwd PE 12.12
P/S 1.28
P/FCF 3.07
P/OCF 3
P/B 1.84
P/tB 2.97
EV/EBITDA N/A
EPS(TTM)2.45
EY6.43%
EPS(NY)3.14
Fwd EY8.25%
FCF(TTM)12.41
FCFY32.56%
OCF(TTM)12.69
OCFY33.31%
SpS29.81
BVpS20.69
TBVpS12.82
PEG (NY)0.99
PEG (5Y)1.98
Graham Number33.7713 (-11.36%)
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 8.24%
ROCE 1.12%
ROIC 0.68%
ROICexc 0.69%
ROICexgc 0.72%
OM 13.22%
PM (TTM) 5.72%
GM N/A
FCFM 41.62%
ROA(3y)0.44%
ROA(5y)0.45%
ROE(3y)7.67%
ROE(5y)8.22%
ROIC(3y)0.67%
ROIC(5y)0.69%
ROICexc(3y)0.68%
ROICexc(5y)0.7%
ROICexgc(3y)0.71%
ROICexgc(5y)0.74%
ROCE(3y)1.11%
ROCE(5y)1.14%
ROICexgc growth 3Y-4.21%
ROICexgc growth 5Y-7.69%
ROICexc growth 3Y-4.18%
ROICexc growth 5Y-7.5%
OM growth 3Y-1.25%
OM growth 5Y5.01%
PM growth 3Y-14.61%
PM growth 5Y8.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 2.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.95%
Interest Coverage 3.77
Cash Conversion N/A
Profit Quality 727.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.92%
ROIC/WACC0.11
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.74%
Cap/Sales(5y)N/A
Profit Quality(3y)619.45%
Profit Quality(5y)578.79%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y7.82%
Revenue 1Y (TTM)-7.15%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.91%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
Revenue Next 5Y4.66%
EBIT growth 1Y-6.92%
EBIT growth 3Y-1.01%
EBIT growth 5Y-7.13%
EBIT Next Year1220.09%
EBIT Next 3Y142.55%
EBIT Next 5YN/A
FCF growth 1Y28.14%
FCF growth 3Y26.83%
FCF growth 5Y0.23%
OCF growth 1Y27.86%
OCF growth 3Y23.9%
OCF growth 5Y0.33%

GENERALI / G.MI Fundamental Analysis 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 4 / 10 to GENERALI (G.MI). This can be considered as Fairly Valued.


How profitable is GENERALI (G.MI) stock?

GENERALI (G.MI) has a profitability rating of 5 / 10.


What is the financial health of GENERALI (G.MI) stock?

The financial health rating of GENERALI (G.MI) is 3 / 10.


What is the earnings growth outlook for GENERALI?

The Earnings per Share (EPS) of GENERALI (G.MI) is expected to grow by 15.72% in the next year.