GENERALI (G.MI) Stock Fundamental Analysis
Europe - BIT:G - IT0000062072 - Common Stock
32.63 EUR
-0.06 (-0.18%)
G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 43 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.
G had a positive operating cash flow in the past year.
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.
1.2 Ratios
G has a worse Return On Assets (0.71%) than 69.77% of its industry peers.
G has a Return On Equity of 12.87%. This is comparable to the rest of the industry: G outperforms 44.19% of its industry peers.
G has a Return On Invested Capital (1.08%) which 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 2.26%.
The last Return On Invested Capital (1.08%) for G is above the 3 year average (1.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROIC | 1.08% |
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
Looking at the Profit Margin, with a value of 6.59%, G is doing worse than 65.12% of the companies in the same industry.
G's Profit Margin has improved in the last couple of years.
The Operating Margin of G (13.98%) is better than 65.12% of its industry peers.
G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| 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.
G has less shares outstanding than it did 1 year ago.
G has less shares outstanding than it did 5 years ago.
The debt/assets ratio for G is higher compared to a year ago.
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.
G's Debt to FCF ratio of 2.11 is fine compared to the rest of the industry. G outperforms 67.44% of its industry peers.
A Debt/Equity ratio of 1.30 is on the high side and indicates that G has dependencies on debt financing.
With a Debt to Equity ratio value of 1.30, G is not doing good in the industry: 74.42% of the companies in the same industry are doing better.
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/WACC0.17
WACC6.51%
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 been growing slightly by 3.72% in the past year.
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%6.9%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
3.2 Future
The Earnings Per Share is expected to grow by 8.20% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.63% on average over the next years.
EPS Next Y15.88%
EPS Next 2Y12.38%
EPS Next 3Y11.05%
EPS Next 5Y8.2%
Revenue Next Year4.89%
Revenue Next 2Y4.65%
Revenue Next 3Y4.61%
Revenue Next 5Y3.63%
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
G is valuated correctly with a Price/Earnings ratio of 13.32.
G's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.41. G is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.55, which indicates a very decent 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 22.88, G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10.55 |
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 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.76 | ||
| 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)0.84
PEG (5Y)1.7
EPS Next 2Y12.38%
EPS Next 3Y11.05%
5. Dividend
5.1 Amount
G has a Yearly Dividend Yield of 4.34%, which is a nice return.
Compared to an average industry Dividend Yield of 4.56, G has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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
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 2Y12.38%
EPS Next 3Y11.05%
BIT:G (9/18/2025, 7:00:00 PM)
32.63
-0.06 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.09%
Inst Owner ChangeN/A
Ins Owners17.17%
Ins Owner ChangeN/A
Market Cap50.57B
Analysts68.8
Price Target33.19 (1.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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)5.31%
PT rev (3m)5.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.39%
EPS NY rev (3m)2.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.52%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.32 | ||
| Fwd PE | 10.55 | ||
| P/S | 0.87 | ||
| P/FCF | 2.76 | ||
| P/OCF | 2.68 | ||
| P/B | 1.7 | ||
| P/tB | 2.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.51%
EPS(NY)3.09
Fwd EY9.48%
FCF(TTM)11.83
FCFY36.25%
OCF(TTM)12.16
OCFY37.25%
SpS37.47
BVpS19.18
TBVpS11.53
PEG (NY)0.84
PEG (5Y)1.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROCE | 1.53% | ||
| ROIC | 1.08% | ||
| ROICexc | 1.1% | ||
| ROICexgc | 1.15% | ||
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| GM | N/A | ||
| FCFM | 31.57% |
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-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | 4.52 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 479.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.51%
ROIC/WACC0.17
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%6.9%
EPS Next Y15.88%
EPS Next 2Y12.38%
EPS Next 3Y11.05%
EPS Next 5Y8.2%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
Revenue Next Year4.89%
Revenue Next 2Y4.65%
Revenue Next 3Y4.61%
Revenue Next 5Y3.63%
EBIT growth 1Y-3.7%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
EBIT Next Year1434.03%
EBIT Next 3Y156.59%
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%