GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

34.91 EUR
+0.29 (+0.84%)
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

  • G had positive earnings in the past year.
  • In the past year G had a positive cash flow from operations.
  • Each year in the past 5 years G has been profitable.
  • Each year in the past 5 years G had a positive operating cash flow.
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 5B 10B 15B 20B

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 70.21% of its industry peers.
  • G has a Return On Equity (12.87%) which is in line with its industry peers.
  • G has a Return On Invested Capital of 0.93%. This is comparable to the rest of the industry: G outperforms 48.94% of its industry peers.
  • G had an Average Return On Invested Capital over the past 3 years of 0.73%. This is below the industry average of 3.34%.
  • The 3 year average ROIC (0.73%) for G is below the current ROIC(0.93%), indicating increased profibility in the last year.
Industry RankSector 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%
G.MI Yearly ROA, ROE, ROICG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • G has a worse Profit Margin (7.79%) than 63.83% of its industry peers.
  • G's Profit Margin has improved in the last couple of years.
  • G has a Operating Margin of 15.75%. This is in the better half of the industry: G outperforms 72.34% of its industry peers.
  • G's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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 5 10 15

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3

2. G.MI Health Analysis

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
  • The number of shares outstanding for G has been reduced compared to 5 years ago.
  • G has a worse debt/assets ratio than last year.
G.MI Yearly Shares OutstandingG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B 400B 500B

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 65.96% of the companies in the same industry.
  • 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 78.72% of the companies in the same industry.
  • 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 1.3
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC0.15
WACC6.37%
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 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 2B 4B 6B 8B 10B

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3

3. G.MI Growth Analysis

3.1 Past

  • G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
  • The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
  • 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

  • G is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
  • G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%

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 5

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5

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.25, the valuation of G can be described as correct.
  • G's Price/Earnings ratio is in line with the industry average.
  • G's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.11.
  • With a Price/Forward Earnings ratio of 11.17, the valuation of G can be described as very reasonable.
  • G's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 24.12. G is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.25
Fwd PE 11.17
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

  • 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 RankSector Rank
P/FCF 2.95
EV/EBITDA N/A
G.MI Per share dataG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.9
PEG (5Y)1.82
EPS Next 2Y12.94%
EPS Next 3Y11.37%

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7

5. G.MI Dividend Analysis

5.1 Amount

  • G has a Yearly Dividend Yield of 4.25%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.14, G has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.25%

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.
  • 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 2Y12.94%
EPS Next 3Y11.37%
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 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 (3/18/2026, 11:21:20 AM)

34.91

+0.29 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-21
Inst Owners33.69%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap54.10B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts74.07
Price Target36.64 (4.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.25%
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)1.83%
PT rev (3m)6.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.38%
Valuation
Industry RankSector Rank
PE 14.25
Fwd PE 11.17
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
EY7.02%
EPS(NY)3.13
Fwd EY8.95%
FCF(TTM)11.83
FCFY33.88%
OCF(TTM)12.16
OCFY34.82%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.9
PEG (5Y)1.82
Graham Number32.51
Profitability
Industry RankSector 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 RankSector 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
WACC6.37%
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 Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%
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 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 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%.