GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

33.13 EUR
-0.62 (-1.84%)
Last: Mar 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This G.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 46 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.


Dividend Valuation Growth Profitability Health

4

1. G.MI Profitability Analysis

1.1 Basic Checks

  • G had positive earnings in the past year.
  • G had a positive operating cash flow in the past year.
  • 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 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of G (0.71%) is worse than 71.74% of its industry peers.
  • G has a Return On Equity of 12.87%. This is in the lower half of the industry: G underperforms 63.04% 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 50.00% 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 3.09%.
  • 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

  • G has a worse Profit Margin (7.79%) than 65.22% of its industry peers.
  • In the last couple of years the Profit Margin of G has grown nicely.
  • G's Operating Margin of 15.75% is fine compared to the rest of the industry. G outperforms 73.91% 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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3

2. G.MI Health Analysis

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.
  • 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.
  • The Debt to FCF ratio of G (2.11) is better than 60.87% 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 Debt to Equity ratio of 1.30. This is amonst the worse of the industry: G underperforms 80.43% of its industry peers.
  • Although G's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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
WACC6.29%
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. G.MI Growth Analysis

3.1 Past

  • G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
  • G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.84% yearly.
  • 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 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 7.91% on average over the next years.
  • The Revenue is expected to grow by 4.42% on average over the next years.
EPS Next Y16.28%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
EPS Next 5Y7.91%
Revenue Next Year5.07%
Revenue Next 2Y4.93%
Revenue Next 3Y4.72%
Revenue Next 5Y4.42%

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 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4

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5

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • G is valuated correctly with a Price/Earnings ratio of 13.52.
  • Compared to the rest of the industry, the Price/Earnings ratio of G is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, G is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 10.54, which indicates a very decent valuation of G.
  • The rest of the industry has a similar Price/Forward Earnings ratio as G.
  • When comparing the Price/Forward Earnings ratio of G to the average of the S&P500 Index (24.57), we can say G is valued rather cheaply.
Industry RankSector Rank
PE 13.52
Fwd PE 10.54
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

  • Based on the Price/Free Cash Flow ratio, G is valued cheaper than 95.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.8
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

  • G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)1.73
EPS Next 2Y13.24%
EPS Next 3Y11.54%

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

5

5. G.MI Dividend Analysis

5.1 Amount

  • G has a Yearly Dividend Yield of 3.94%.
  • G's Dividend Yield is slightly below the industry average, which is at 4.03.
  • G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.94%

5.2 History

  • On average, the dividend of G grows each year by 7.30%, which is quite nice.
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 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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G.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALI

BIT:G (3/6/2026, 7:00:00 PM)

33.13

-0.62 (-1.84%)

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 Cap51.34B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts73.08
Price Target36.64 (10.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
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)2.33%
PT rev (3m)10.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 13.52
Fwd PE 10.54
P/S 1.05
P/FCF 2.8
P/OCF 2.73
P/B 1.73
P/tB 2.87
EV/EBITDA N/A
EPS(TTM)2.45
EY7.4%
EPS(NY)3.14
Fwd EY9.48%
FCF(TTM)11.83
FCFY35.7%
OCF(TTM)12.16
OCFY36.69%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.83
PEG (5Y)1.73
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
WACC6.29%
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 5Y7.91%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year5.07%
Revenue Next 2Y4.93%
Revenue Next 3Y4.72%
Revenue Next 5Y4.42%
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 4 / 10.


How financially healthy is GENERALI?

The financial health rating of GENERALI (G.MI) is 3 / 10.


Is the dividend of GENERALI sustainable?

The dividend rating of GENERALI (G.MI) is 5 / 10 and the dividend payout ratio is 56.8%.