GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

35.9 EUR
-0.33 (-0.91%)
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.
  • In the past 5 years G has always been profitable.
  • G had a positive operating cash flow in each 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 (0.47%) than 69.05% of its industry peers.
  • G's Return On Equity of 8.24% is on the low side compared to the rest of the industry. G is outperformed by 69.05% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.68%, G is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • G had an Average Return On Invested Capital over the past 3 years of 0.67%. This is below the industry average of 3.02%.
  • The last Return On Invested Capital (0.68%) for G is above the 3 year average (0.67%), which is a sign of increasing profitability.
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

  • G has a Profit Margin of 5.72%. This is comparable to the rest of the industry: G outperforms 40.48% of its industry peers.
  • G's Profit Margin has improved in the last couple of years.
  • G has a Operating Margin of 13.22%. This is comparable to the rest of the industry: G outperforms 59.52% 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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2

2. G.MI Health Analysis

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.
  • G has less shares outstanding than it did 1 year ago.
  • 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

  • The Debt to FCF ratio of G is 2.06, which is a good value as it means it would take G, 2.06 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.06, G is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • A Debt/Equity ratio of 1.23 is on the high side and indicates that G has dependencies on debt financing.
  • The Debt to Equity ratio of G (1.23) is worse than 76.19% 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 1.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACC0.11
WACC6.27%
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.
  • 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 -7.15%.
  • The Revenue for G have been decreasing by -14.37% on average. This is quite bad
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

  • The Earnings Per Share is expected to grow by 8.10% on average over the next years. This is quite good.
  • Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 4.84% on average per year.
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y8.1%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
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.
  • 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.
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

  • A Price/Earnings ratio of 14.65 indicates a correct valuation of G.
  • Compared to the rest of the industry, the Price/Earnings ratio of G is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (26.78), we can say G is valued slightly cheaper.
  • G is valuated reasonably with a Price/Forward Earnings ratio of 11.42.
  • G's Price/Forward Earnings is on the same level as the industry average.
  • G is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.65
Fwd PE 11.42
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

  • G's Price/Free Cash Flow ratio is rather cheap when compared to the industry. G is cheaper than 95.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.89
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

  • G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.93
PEG (5Y)1.87
EPS Next 2Y13.26%
EPS Next 3Y11.68%

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

6

5. G.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.53%, G is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.39, 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 1.83.
Industry RankSector Rank
Dividend Yield 4.53%

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

  • 82.17% of the earnings are spent on dividend by G. 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 (4/10/2026, 7:00:00 PM)

35.9

-0.33 (-0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-21
Inst Owners34.01%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap55.64B
Revenue(TTM)46.20B
Net Income(TTM)2.64B
Analysts74.07
Price Target37.21 (3.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.53%
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)4.95%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.56%
EPS NY rev (3m)-0.2%
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 14.65
Fwd PE 11.42
P/S 1.2
P/FCF 2.89
P/OCF 2.83
P/B 1.74
P/tB 2.8
EV/EBITDA N/A
EPS(TTM)2.45
EY6.82%
EPS(NY)3.14
Fwd EY8.75%
FCF(TTM)12.41
FCFY34.56%
OCF(TTM)12.69
OCFY35.35%
SpS29.81
BVpS20.69
TBVpS12.82
PEG (NY)0.93
PEG (5Y)1.87
Graham Number33.77
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
WACC6.27%
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 5Y8.1%
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 5Y4.84%
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 5 / 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 4 / 10.


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

The financial health rating of GENERALI (G.MI) is 2 / 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.