GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

Current stock price

38.37 EUR
+0.16 (+0.42%)
Last:

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

5

1. G.MI Profitability Analysis

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.
  • 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 2025 5B 10B 15B 20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.47%, G is doing worse than 73.68% of the companies in the same industry.
  • G's Return On Equity of 8.24% is on the low side compared to the rest of the industry. G is outperformed by 71.05% of its industry peers.
  • G has a Return On Invested Capital (0.68%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for G is in line with the industry average of 2.62%.
  • 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

  • The Profit Margin of G (5.72%) is worse than 63.16% of its industry peers.
  • G's Profit Margin has improved in the last couple of years.
  • G has a Operating Margin of 13.22%. This is in the better half of the industry: G outperforms 60.53% of its industry peers.
  • In the last couple of years the Operating Margin of G has grown nicely.
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

  • G has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, G has less shares outstanding
  • G has less shares outstanding than it did 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

  • G has a debt to FCF ratio of 2.06. This is a good value and a sign of high solvency as G would need 2.06 years to pay back of all of its debts.
  • G has a Debt to FCF ratio of 2.06. This is comparable to the rest of the industry: G outperforms 57.89% of its industry peers.
  • A Debt/Equity ratio of 1.23 is on the high side and indicates that G has dependencies on debt financing.
  • G has a worse Debt to Equity ratio (1.23) than 78.95% 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 RankSector Rank
Debt/Equity 1.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACC0.11
WACC5.93%
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.
  • 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 -7.15% in the last 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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.82% yearly.
  • Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 4.66% on average per year.
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y7.82%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
Revenue Next 5Y4.66%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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

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4

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.66, G is valued correctly.
  • 68.42% of the companies in the same industry are cheaper than G, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (26.91), we can say G is valued slightly cheaper.
  • G is valuated correctly with a Price/Forward Earnings ratio of 12.21.
  • G's Price/Forward Earnings ratio is in line with the industry average.
  • G's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.99.
Industry RankSector Rank
PE 15.66
Fwd PE 12.21
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

  • 94.74% 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 3.09
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

  • G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)1
PEG (5Y)2
EPS Next 2Y13.26%
EPS Next 3Y11.68%

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5

5. G.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.35%, G is a good candidate for dividend investing.
  • G's Dividend Yield is slightly below the industry average, which is at 4.46.
  • Compared to an average S&P500 Dividend Yield of 1.82, G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.35%

5.2 History

  • On average, the dividend of G grows each year by 23.53%, which is quite nice.
Dividend Growth(5Y)23.53%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • G pays out 82.17% of its income as dividend. This is not a sustainable payout ratio.
  • G's earnings are growing slower than its dividend. 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 (4/28/2026, 7:00:00 PM)

38.37

+0.16 (+0.42%)

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 Cap59.47B
Revenue(TTM)46.20B
Net Income(TTM)2.64B
Analysts74.07
Price Target37.21 (-3.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
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)0.02%
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 15.66
Fwd PE 12.21
P/S 1.29
P/FCF 3.09
P/OCF 3.02
P/B 1.85
P/tB 2.99
EV/EBITDA N/A
EPS(TTM)2.45
EY6.39%
EPS(NY)3.14
Fwd EY8.19%
FCF(TTM)12.41
FCFY32.33%
OCF(TTM)12.69
OCFY33.08%
SpS29.81
BVpS20.69
TBVpS12.82
PEG (NY)1
PEG (5Y)2
Graham Number33.7713 (-11.99%)
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
WACC5.93%
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 5Y7.82%
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 5Y4.66%
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 4 / 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 5 / 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.