GENERALI (G.MI) Stock Fundamental Analysis
BIT:G - Euronext Milan - IT0000062072 - Common Stock - Currency: EUR
Taking everything into account, G scores 4 out of 10 in our fundamental rating. G was compared to 40 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 correct valuation and a medium growth rate. Finally G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year G was profitable.
In the past year G had a positive cash flow from operations.
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's Return On Assets of 0.69% is on the low side compared to the rest of the industry. G is outperformed by 70.00% of its industry peers.
Looking at the Return On Equity, with a value of 12.25%, G is in line with its industry, outperforming 42.50% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 1.14%, G is in line with its industry, outperforming 47.50% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for G is in line with the industry average of 2.04%.
The 3 year average ROIC (1.02%) for G is below the current ROIC(1.14%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 12.25% | ||
| ROIC | 1.14% |
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
G has a Profit Margin of 6.50%. This is in the lower half of the industry: G underperforms 65.00% of its industry peers.
G's Profit Margin has improved in the last couple of years.
G's Operating Margin of 14.76% is fine compared to the rest of the industry. G outperforms 70.00% of its industry peers.
In the last couple of years the Operating Margin of G has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.76% | ||
| PM (TTM) | 6.5% | ||
| 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
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.
The number of shares outstanding for G has been reduced compared to 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 2.50, which is a good value as it means it would take G, 2.50 years of fcf income to pay off all of its debts.
G has a Debt to FCF ratio (2.50) which is comparable to the rest of the industry.
G has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.24, G is doing worse than 85.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 2.5 | ||
| Altman-Z | N/A |
ROIC/WACC0.17
WACC6.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.56%, which is quite good.
The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
The Revenue has been growing slightly by 6.77% in the past year.
G shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.23% yearly.
EPS 1Y (TTM)11.56%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%8.22%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%N/A
3.2 Future
The Earnings Per Share is expected to grow by 8.04% on average over the next years. This is quite good.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.96% yearly.
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.04%
Revenue Next Year4.72%
Revenue Next 2Y4.34%
Revenue Next 3Y5.35%
Revenue Next 5Y3.96%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.95 indicates a reasonable valuation of G.
Compared to the rest of the industry, the Price/Earnings ratio of G indicates a somewhat cheap valuation: G is cheaper than 65.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (27.45), we can say G is valued rather cheaply.
The Price/Forward Earnings ratio is 10.01, which indicates a very decent valuation of G.
Based on the Price/Forward Earnings ratio, G is valued a bit cheaper than the industry average as 72.50% of the companies are valued more expensively.
G is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.01 |
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 97.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.1 | ||
| EV/EBITDA | N/A |
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)0.91
PEG (5Y)1.52
EPS Next 2Y10.56%
EPS Next 3Y10.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.75%, G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.55, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.75% |
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
53.33% of the earnings are spent on dividend by G. 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.
DP53.33%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
BIT:G (7/4/2025, 7:00:00 PM)
29.99
-0.1 (-0.33%)
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 Cap46.48B
Analysts68.8
Price Target31.67 (5.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.75% |
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP53.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.03%
Min EPS beat(2)-39.48%
Max EPS beat(2)-10.58%
EPS beat(4)1
Avg EPS beat(4)-15.42%
Min EPS beat(4)-39.48%
Max EPS beat(4)13.6%
EPS beat(8)3
Avg EPS beat(8)-8.53%
EPS beat(12)3
Avg EPS beat(12)-13.21%
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)2.63%
PT rev (3m)4.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.97%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 10.01 | ||
| P/S | 0.81 | ||
| P/FCF | 3.1 | ||
| P/OCF | 3.02 | ||
| P/B | 1.53 | ||
| P/tB | 2.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.51
EY8.37%
EPS(NY)2.99
Fwd EY9.99%
FCF(TTM)9.68
FCFY32.28%
OCF(TTM)9.93
OCFY33.1%
SpS36.96
BVpS19.61
TBVpS11.95
PEG (NY)0.91
PEG (5Y)1.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 12.25% | ||
| ROCE | 1.6% | ||
| ROIC | 1.14% | ||
| ROICexc | 1.14% | ||
| ROICexgc | 1.19% | ||
| OM | 14.76% | ||
| PM (TTM) | 6.5% | ||
| GM | N/A | ||
| FCFM | 26.2% |
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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 2.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.66% | ||
| Interest Coverage | 4.13 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 402.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.62%
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)11.56%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%8.22%
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.04%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%N/A
Revenue Next Year4.72%
Revenue Next 2Y4.34%
Revenue Next 3Y5.35%
Revenue Next 5Y3.96%
EBIT growth 1Y2.52%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
EBIT Next Year1434.03%
EBIT Next 3Y156.59%
EBIT Next 5YN/A
FCF growth 1Y864.95%
FCF growth 3Y-4.96%
FCF growth 5Y-5.36%
OCF growth 1Y788.16%
OCF growth 3Y-4.17%
OCF growth 5Y-5.43%