GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

33.35 EUR
-0.41 (-1.21%)
Last:

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

4

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.
  • G had a positive operating cash flow in 4 of the past 5 years.
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

  • G has a worse Return On Assets (0.71%) than 70.21% 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.
  • G has a Return On Invested Capital of 0.92%. This is comparable to the rest of the industry: G outperforms 48.94% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 12.87%
ROIC 0.92%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • G has a Profit Margin of 7.79%. This is in the lower half of the industry: G underperforms 63.83% of its industry peers.
  • In the last couple of years the Profit Margin of G has grown nicely.
  • Looking at the Operating Margin, with a value of 15.75%, G is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
  • 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 3Y0.91%
OM growth 5Y6.39%
PM growth 3Y-8.08%
PM growth 5Y13.14%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • G has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 63.83% of the companies in the same industry.
  • A Debt/Equity ratio of 1.30 is on the high side and indicates that G has dependencies on debt financing.
  • G has a Debt to Equity ratio of 1.30. This is in the lower half of the industry: G underperforms 78.72% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for G, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC0.14
WACC6.35%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. G.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.60% over the past year.
  • The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
  • G shows a decrease in Revenue. In the last year, the revenue decreased by -9.60%.
  • 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%18.97%
Revenue 1Y (TTM)-9.6%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.97%

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

  • 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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.61, the valuation of G can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of G is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.23. G is valued slightly cheaper when compared to this.
  • G is valuated reasonably with a Price/Forward Earnings ratio of 10.67.
  • G's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, G is valued rather cheaply.
Industry RankSector Rank
PE 13.61
Fwd PE 10.67
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 2.82
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

  • G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)1.74
EPS Next 2Y12.94%
EPS Next 3Y11.37%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. G.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.86%, G is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.59, G pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.86%

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.
  • 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.
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 2025 5B 10B 15B
G.MI Dividend Payout.G.MI Dividend Payout, showing the Payout Ratio.G.MI Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

G.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALI

BIT:G (3/20/2026, 7:00:00 PM)

33.35

-0.41 (-1.21%)

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 Cap51.69B
Revenue(TTM)44.98B
Net Income(TTM)3.82B
Analysts74.07
Price Target36.64 (9.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.86%
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)-0.53%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.62%
Valuation
Industry RankSector Rank
PE 13.61
Fwd PE 10.67
P/S 1.05
P/FCF 2.82
P/OCF 2.74
P/B 1.74
P/tB 2.89
EV/EBITDA N/A
EPS(TTM)2.45
EY7.35%
EPS(NY)3.13
Fwd EY9.37%
FCF(TTM)11.83
FCFY35.47%
OCF(TTM)12.16
OCFY36.45%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.86
PEG (5Y)1.74
Graham Number32.51
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 12.87%
ROCE 1.46%
ROIC 0.92%
ROICexc 0.93%
ROICexgc 0.97%
OM 15.75%
PM (TTM) 7.79%
GM N/A
FCFM 37.34%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y0.91%
OM growth 5Y6.39%
PM growth 3Y-8.08%
PM growth 5Y13.14%
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
WACC6.35%
ROIC/WACC0.14
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-9.6%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.97%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%
EBIT growth 1Y12.12%
EBIT growth 3Y1.15%
EBIT growth 5Y-5.92%
EBIT Next Year1241.05%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y104.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y103.92%
OCF growth 3YN/A
OCF growth 5YN/A

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%.