GENERALI (G.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:G • IT0000062072
34.98 EUR
+0.59 (+1.72%)
Last: Feb 2, 2026, 07:00 PM
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 47 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. G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year G was profitable.
- G had a positive operating cash flow in the past year.
- G had positive earnings in each of the past 5 years.
- Each year in the past 5 years G had a positive operating cash flow.
1.2 Ratios
- G has a Return On Assets of 0.71%. This is in the lower half of the industry: G underperforms 70.21% of its industry peers.
- G has a Return On Equity (12.87%) which is comparable to the rest of the industry.
- The Return On Invested Capital of G (0.93%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for G is below the industry average of 2.92%.
- 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's Profit Margin of 7.79% is on the low side compared to the rest of the industry. G is outperformed by 61.70% of its industry peers.
- In the last couple of years the Profit Margin of G has grown nicely.
- Looking at the Operating Margin, with a value of 15.75%, G is in the better half of the industry, outperforming 74.47% of the companies in the same industry.
- G's Operating Margin has improved in the last couple of years.
| 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.
- Compared to 5 years ago, G has less shares outstanding
- G has a worse debt/assets ratio than last year.
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.
- G's Debt to FCF ratio of 2.11 is in line compared to the rest of the industry. G outperforms 57.45% of its industry peers.
- G has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.30, G is not doing good in the industry: 78.72% 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
WACC6.34%
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.
- The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
- 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 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 7.56% on average over the next years.
- The Revenue is expected to grow by 3.93% on average over the next years.
EPS Next Y16.28%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
EPS Next 5Y7.56%
Revenue Next Year4.89%
Revenue Next 2Y4.77%
Revenue Next 3Y4.56%
Revenue Next 5Y3.93%
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
- Based on the Price/Earnings ratio of 14.28, the valuation of G can be described as correct.
- G's Price/Earnings ratio is in line with the industry average.
- G is valuated rather cheaply when we compare the Price/Earnings ratio to 28.41, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 11.13, the valuation of G can be described as very reasonable.
- G's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.28 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of G indicates a rather cheap valuation: G is cheaper than 97.87% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.96 | ||
| 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)0.88
PEG (5Y)1.82
EPS Next 2Y13.24%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
- G has a Yearly Dividend Yield of 4.23%, which is a nice return.
- G's Dividend Yield is comparable with the industry average which is at 4.09.
- G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.23% |
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.
- G's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP56.8%
EPS Next 2Y13.24%
EPS Next 3Y11.54%
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 5 / 10.
How financially healthy is GENERALI?
The financial health rating of GENERALI (G.MI) is 2 / 10.
Is the dividend of GENERALI sustainable?
The dividend rating of GENERALI (G.MI) is 7 / 10 and the dividend payout ratio is 56.8%.