GENERALI (G.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:G • IT0000062072

35.6 EUR
+0.05 (+0.14%)
Last: Feb 4, 2026, 05:36 PM
Fundamental Rating

4

Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 47 industry peers in the Insurance industry. There are concerns on the financial health of G while its profitability can be described as average. G has a valuation in line with the averages, but it does not seem to be growing. G also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

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.
  • 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 has a worse Return On Assets (0.71%) than 72.34% of its industry peers.
  • G has a Return On Equity of 12.87%. This is comparable to the rest of the industry: G outperforms 42.55% of its industry peers.
  • G has a Return On Invested Capital of 0.93%. This is comparable to the rest of the industry: G outperforms 51.06% 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 2.92%.
  • The last Return On Invested Capital (0.93%) for G is above the 3 year average (0.73%), which is a sign of increasing profitability.
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

  • Looking at the Profit Margin, with a value of 7.79%, G is doing worse than 63.83% of the companies in the same industry.
  • In the last couple of years the Profit Margin of G has grown nicely.
  • The Operating Margin of G (15.75%) is better than 72.34% of its industry peers.
  • In the last couple of years the Operating Margin of G has grown nicely.
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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2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), G is destroying value.
  • Compared to 1 year ago, G has less shares outstanding
  • Compared to 5 years ago, G has less shares outstanding
  • 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 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

  • The Debt to FCF ratio of G is 2.11, which is a good value as it means it would take G, 2.11 years of fcf income to pay off all of its debts.
  • G has a Debt to FCF ratio of 2.11. This is comparable to the rest of the industry: G outperforms 55.32% 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.
  • G has a worse Debt to Equity ratio (1.30) than 80.85% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 1.3
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC0.15
WACC6.36%
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. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.60% over the past year.
  • Measured over the past 5 years, G shows a small growth in Earnings Per Share. The EPS has been growing by 7.84% on average per year.
  • The Revenue has decreased by -9.82% in the past year.
  • 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%133.85%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.56% on average over the next years.
  • Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 3.93% on average per year.
EPS Next Y16.28%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
EPS Next 5Y7.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.53, the valuation of G can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of G indicates a slightly more expensive valuation: G is more expensive than 65.96% of the companies listed in the same industry.
  • G's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.25.
  • G is valuated reasonably with a Price/Forward Earnings ratio of 11.33.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of G indicates a slightly more expensive valuation: G is more expensive than 61.70% of the companies listed in the same industry.
  • G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
Industry RankSector Rank
PE 14.53
Fwd PE 11.33
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

  • 95.74% of the companies in the same industry are more expensive than G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.01
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)0.89
PEG (5Y)1.85
EPS Next 2Y13.24%
EPS Next 3Y11.54%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.23%, G is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.09, 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 1.82.
Industry RankSector Rank
Dividend Yield 4.23%

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.
  • 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 2Y13.24%
EPS Next 3Y11.54%
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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GENERALI

BIT:G (2/4/2026, 5:36:15 PM)

35.6

+0.05 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)03-12
Inst Owners33.6%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap55.17B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts73.6
Price Target35.8 (0.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.23%
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)0.97%
PT rev (3m)6.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 14.53
Fwd PE 11.33
P/S 1.12
P/FCF 3.01
P/OCF 2.93
P/B 1.86
P/tB 3.09
EV/EBITDA N/A
EPS(TTM)2.45
EY6.88%
EPS(NY)3.14
Fwd EY8.83%
FCF(TTM)11.83
FCFY33.22%
OCF(TTM)12.16
OCFY34.14%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.89
PEG (5Y)1.85
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
WACC6.36%
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 Y16.28%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
EPS Next 5Y7.56%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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 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 2 / 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%.