GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

37.51 EUR
+0.64 (+1.74%)
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.
  • Each year in the past 5 years G has 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 2025 5B 10B 15B 20B

1.2 Ratios

  • G has a Return On Assets of 0.47%. This is in the lower half of the industry: G underperforms 68.75% 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 68.75% of its industry peers.
  • G has a Return On Invested Capital (0.68%) which is comparable to the rest of the industry.
  • G had an Average Return On Invested Capital over the past 3 years of 0.67%. This is below the industry average of 2.76%.
  • The 3 year average ROIC (0.67%) for G is below the current ROIC(0.68%), indicating increased profibility in the last year.
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

  • With a Profit Margin value of 5.72%, G is not doing good in the industry: 60.42% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of G has grown nicely.
  • G has a Operating Margin (13.22%) which is in line with 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

  • 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.
  • Compared to 1 year ago, G has a worse debt to assets ratio.
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.
  • G has a Debt to FCF ratio (2.06) which is comparable to the rest of the industry.
  • G has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of G (1.23) is worse than 79.17% 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 1.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACC0.11
WACC6.08%
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.
  • The Revenue has decreased by -7.15% in the past year.
  • G shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.37% yearly.
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

  • G is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
  • The Revenue is expected to grow by 4.84% on average over the next years.
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

  • 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.
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

  • With a Price/Earnings ratio of 15.31, G is valued correctly.
  • 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 27.87, which is the current average of the S&P500 Index.
  • G is valuated reasonably with a Price/Forward Earnings ratio of 11.94.
  • The rest of the industry has a similar Price/Forward Earnings ratio as G.
  • The average S&P500 Price/Forward Earnings ratio is at 38.51. G is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.31
Fwd PE 11.94
G.MI Price Earnings VS Forward Price EarningsG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, G is valued cheaper than 93.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.02
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.97
PEG (5Y)1.95
EPS Next 2Y13.26%
EPS Next 3Y11.68%

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6

5. G.MI Dividend Analysis

5.1 Amount

  • G has a Yearly Dividend Yield of 4.45%, which is a nice return.
  • G's Dividend Yield is comparable with the industry average which is at 4.08.
  • Compared to an average S&P500 Dividend Yield of 1.81, G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.45%

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.
  • The dividend of G is growing, but the earnings are growing slower. 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 (4/17/2026, 7:00:00 PM)

37.51

+0.64 (+1.74%)

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 Cap58.13B
Revenue(TTM)46.20B
Net Income(TTM)2.64B
Analysts74.07
Price Target37.21 (-0.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.45%
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)3.94%
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 15.31
Fwd PE 11.94
P/S 1.26
P/FCF 3.02
P/OCF 2.96
P/B 1.81
P/tB 2.93
EV/EBITDA N/A
EPS(TTM)2.45
EY6.53%
EPS(NY)3.14
Fwd EY8.38%
FCF(TTM)12.41
FCFY33.08%
OCF(TTM)12.69
OCFY33.83%
SpS29.81
BVpS20.69
TBVpS12.82
PEG (NY)0.97
PEG (5Y)1.95
Graham Number33.7713 (-9.97%)
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
WACC6.08%
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.