HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. While HNR1 has a great profitability rating, there are some minor concerns on its financial health. HNR1 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HNR1 was profitable.
HNR1 had a positive operating cash flow in the past year.
HNR1 had positive earnings in each of the past 5 years.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.10%, HNR1 belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
Looking at the Return On Equity, with a value of 18.63%, HNR1 belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
The Return On Invested Capital of HNR1 (3.86%) is better than 89.47% of its industry peers.
HNR1 had an Average Return On Invested Capital over the past 3 years of 2.97%. This is in line with the industry average of 2.06%.
The 3 year average ROIC (2.97%) for HNR1 is below the current ROIC(3.86%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROIC | 3.86% |
ROA(3y)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
1.3 Margins
HNR1 has a better Profit Margin (58.98%) than 97.37% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1's Operating Margin of 83.94% is amongst the best of the industry. HNR1 outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of HNR1 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 83.94% | ||
| PM (TTM) | 58.98% | ||
| GM | N/A |
OM growth 3Y151.64%
OM growth 5Y62.65%
PM growth 3Y132.6%
PM growth 5Y58.31%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
The number of shares outstanding for HNR1 has been reduced compared to 5 years ago.
HNR1 has a better debt/assets ratio than last year.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
HNR1 has a Debt to FCF ratio of 0.81. This is amongst the best in the industry. HNR1 outperforms 92.11% of its industry peers.
HNR1 has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
HNR1's Debt to Equity ratio of 0.38 is fine compared to the rest of the industry. HNR1 outperforms 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a better Current ratio (0.27) than 76.32% of its industry peers.
HNR1 has a Quick Ratio of 0.27. This is a bad value and indicates that HNR1 is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of HNR1 (0.27) is better than 76.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 |
3. Growth
3.1 Past
HNR1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.55%, which is quite good.
Measured over the past years, HNR1 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.64% on average per year.
Looking at the last year, HNR1 shows a very strong growth in Revenue. The Revenue has grown by 41.41%.
Measured over the past years, HNR1 shows a very negative growth in Revenue. The Revenue has been decreasing by -28.84% on average per year.
EPS 1Y (TTM)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
3.2 Future
Based on estimates for the next years, HNR1 will show a small growth in Earnings Per Share. The EPS will grow by 6.93% on average per year.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 3.46% on average per year.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y6.93%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y3.46%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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
The Price/Earnings ratio is 14.19, which indicates a correct valuation of HNR1.
HNR1's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, HNR1 is valued a bit cheaper.
A Price/Forward Earnings ratio of 11.53 indicates a reasonable valuation of HNR1.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 indicates a slightly more expensive valuation: HNR1 is more expensive than 60.53% of the companies listed in the same industry.
HNR1 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.19 | ||
| Fwd PE | 11.53 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued cheaper than 81.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HNR1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The excellent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)1.38
PEG (5Y)1.12
EPS Next 2Y9.06%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.38%. Purely for dividend investing, there may be better candidates out there.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.58.
HNR1's Dividend Yield is a higher than the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
5.2 History
The dividend of HNR1 has a limited annual growth rate of 5.92%.
Dividend Growth(5Y)5.92%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
40.56% of the earnings are spent on dividend by HNR1. This is a bit on the high side, but may be sustainable.
HNR1's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP40.56%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
FRA:HNR1 (7/11/2025, 7:00:00 PM)
264.8
-1 (-0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners24.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.93B
Analysts77.39
Price Target296.82 (12.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP40.56%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.1%
Min EPS beat(2)-15.74%
Max EPS beat(2)-12.47%
EPS beat(4)2
Avg EPS beat(4)1.95%
Min EPS beat(4)-15.74%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)1.47%
EPS beat(12)6
Avg EPS beat(12)-2.98%
EPS beat(16)8
Avg EPS beat(16)227.18%
Revenue beat(2)2
Avg Revenue beat(2)1.59%
Min Revenue beat(2)1.18%
Max Revenue beat(2)1.99%
Revenue beat(4)4
Avg Revenue beat(4)1.68%
Min Revenue beat(4)1.18%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-3.55%
Revenue beat(12)7
Avg Revenue beat(12)-4.71%
Revenue beat(16)8
Avg Revenue beat(16)-8.52%
PT rev (1m)1.92%
PT rev (3m)3.06%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)1.28%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.19 | ||
| Fwd PE | 11.53 | ||
| P/S | 8.37 | ||
| P/FCF | 5.61 | ||
| P/OCF | 5.61 | ||
| P/B | 2.64 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.66
EY7.05%
EPS(NY)22.97
Fwd EY8.67%
FCF(TTM)47.24
FCFY17.84%
OCF(TTM)47.24
OCFY17.84%
SpS31.65
BVpS100.18
TBVpS99.52
PEG (NY)1.38
PEG (5Y)1.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROCE | 4.46% | ||
| ROIC | 3.86% | ||
| ROICexc | 3.92% | ||
| ROICexgc | 4.12% | ||
| OM | 83.94% | ||
| PM (TTM) | 58.98% | ||
| GM | N/A | ||
| FCFM | 149.27% |
ROA(3y)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
ROICexc(3y)3.02%
ROICexc(5y)2.35%
ROICexgc(3y)3.16%
ROICexgc(5y)2.55%
ROCE(3y)3.43%
ROCE(5y)2.66%
ROICexcg growth 3Y32.83%
ROICexcg growth 5Y11.08%
ROICexc growth 3Y40.56%
ROICexc growth 5Y15.67%
OM growth 3Y151.64%
OM growth 5Y62.65%
PM growth 3Y132.6%
PM growth 5Y58.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.03 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 253.09% | ||
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 | ||
| Altman-Z | N/A |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)309.36%
Profit Quality(5y)334.25%
High Growth Momentum
Growth
EPS 1Y (TTM)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y6.93%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y3.46%
EBIT growth 1Y55.42%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year8.15%
EBIT Next 3Y6.41%
EBIT Next 5YN/A
FCF growth 1Y-1.79%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.79%
OCF growth 3Y4.77%
OCF growth 5Y17.76%