GENERALI (G.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:G - IT0000062072 - Common Stock
34.39 EUR
-0.14 (-0.41%)
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 48 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. 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 0.71% is on the low side compared to the rest of the industry. G is outperformed by 72.92% of its industry peers.
With a Return On Equity value of 12.87%, G is not doing good in the industry: 60.42% of the companies in the same industry are doing better.
With a Return On Invested Capital value of 0.93%, G perfoms like the industry average, outperforming 45.83% 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 2.58%.
The 3 year average ROIC (0.73%) for G is below the current ROIC(0.93%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
G has a Profit Margin of 7.79%. This is in the lower half of the industry: G underperforms 66.67% of its industry peers.
G's Profit Margin has improved in the last couple of years.
The Operating Margin of G (15.75%) is better than 66.67% of its industry peers.
In the last couple of years the Operating Margin of G has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so G 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.
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.
Looking at the Debt to FCF ratio, with a value of 2.11, G is in the better half of the industry, outperforming 60.42% 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.
With a Debt to Equity ratio value of 1.30, G is not doing good in the industry: 79.17% 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/WACC0.15
WACC6.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
Looking at the last year, G shows a decrease in Revenue. The Revenue has decreased by -9.82% in the last year.
Measured over the past years, G shows a very negative growth in Revenue. The Revenue has been decreasing by -14.37% on average per year.
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
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
Based on estimates for the next years, G will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.51% on average per year.
Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 4.05% on average per year.
EPS Next Y16.47%
EPS Next 2Y12.57%
EPS Next 3Y11.14%
EPS Next 5Y8.51%
Revenue Next Year4.86%
Revenue Next 2Y4.62%
Revenue Next 3Y4.65%
Revenue Next 5Y4.05%
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 14.04 indicates a correct valuation of G.
Based on the Price/Earnings ratio, G is valued a bit more expensive than 62.50% of the companies in the same industry.
When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (26.15), we can say G is valued slightly cheaper.
A Price/Forward Earnings ratio of 11.08 indicates a reasonable valuation of G.
G's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.22. G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 11.08 |
4.2 Price Multiples
95.83% of the companies in the same industry are more expensive than G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.91 | ||
| 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)0.85
PEG (5Y)1.79
EPS Next 2Y12.57%
EPS Next 3Y11.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.20%, G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.47, G has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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 2Y12.57%
EPS Next 3Y11.14%
BIT:G (12/3/2025, 12:25:57 PM)
34.39
-0.14 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners32.9%
Inst Owner ChangeN/A
Ins Owners17.17%
Ins Owner ChangeN/A
Market Cap53.30B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts69.6
Price Target33.24 (-3.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
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)-0.67%
PT rev (3m)2.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.34%
EPS NY rev (3m)0.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 11.08 | ||
| P/S | 1.09 | ||
| P/FCF | 2.91 | ||
| P/OCF | 2.83 | ||
| P/B | 1.79 | ||
| P/tB | 2.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.12%
EPS(NY)3.1
Fwd EY9.03%
FCF(TTM)11.83
FCFY34.39%
OCF(TTM)12.16
OCFY35.35%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.85
PEG (5Y)1.79
Graham Number32.51
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.26%
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 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%133.85%
EPS Next Y16.47%
EPS Next 2Y12.57%
EPS Next 3Y11.14%
EPS Next 5Y8.51%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year4.86%
Revenue Next 2Y4.62%
Revenue Next 3Y4.65%
Revenue Next 5Y4.05%
EBIT growth 1Y12.12%
EBIT growth 3Y-1.02%
EBIT growth 5Y3.86%
EBIT Next Year1376.18%
EBIT Next 3Y151.1%
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.
Can you provide the valuation status for GENERALI?
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.
What is the expected EPS growth for GENERALI (G.MI) stock?
The Earnings per Share (EPS) of GENERALI (G.MI) is expected to grow by 16.47% in the next year.
Can you provide the dividend sustainability for G stock?
The dividend rating of GENERALI (G.MI) is 7 / 10 and the dividend payout ratio is 56.8%.