GENERALI (G.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:G - IT0000062072 - Common Stock
33.84 EUR
-0.34 (-0.99%)
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 48 industry peers in the Insurance industry. G has a medium profitability rating, but doesn't score so well on its financial health evaluation. G has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally G also has an excellent dividend rating.
1. Profitability
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 each of the past 5 years.
1.2 Ratios
The Return On Assets of G (0.71%) is worse than 70.83% of its industry peers.
G has a Return On Equity (12.87%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 0.93%, G is in line with its industry, outperforming 47.92% 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 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 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 64.58% of its industry peers.
G's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 15.75%, G is doing good in the industry, outperforming 68.75% of the companies in the same industry.
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.
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
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.
G's Debt to FCF ratio of 2.11 is fine compared to the rest of the industry. G outperforms 62.50% 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's Debt to Equity ratio of 1.30 is on the low side compared to the rest of the industry. G is outperformed by 77.08% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC6.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
The Revenue has decreased by -9.82% in the past 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
G is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.51% yearly.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.81, which indicates a correct valuation of G.
G's Price/Earnings ratio is a bit more expensive when compared to the industry. G is more expensive than 60.42% of the companies in the same industry.
G is valuated rather cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.90, the valuation of G can be described as very reasonable.
G's Price/Forward Earnings ratio is in line with the industry average.
G is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | 10.9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, G is valued cheaply inside the industry as 97.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.86 | ||
| EV/EBITDA | N/A |
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)0.84
PEG (5Y)1.76
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
56.80% of the earnings are spent on dividend by G. 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 (12/1/2025, 5:36:15 PM)
33.84
-0.34 (-0.99%)
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 Cap52.44B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts69.6
Price Target33.24 (-1.77%)
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 | 13.81 | ||
| Fwd PE | 10.9 | ||
| P/S | 1.07 | ||
| P/FCF | 2.86 | ||
| P/OCF | 2.78 | ||
| P/B | 1.76 | ||
| P/tB | 2.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.24%
EPS(NY)3.1
Fwd EY9.17%
FCF(TTM)11.83
FCFY34.95%
OCF(TTM)12.16
OCFY35.92%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.84
PEG (5Y)1.76
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
WACC6.24%
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%.