HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
247.2 EUR
-3 (-1.2%)
We assign a fundamental rating of 6 out of 10 to HNR1. HNR1 was compared to 49 industry peers in the Insurance industry. While HNR1 belongs to the best of the industry regarding profitability, 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
HNR1 had positive earnings in the past year.
In the past year HNR1 had a positive cash flow from operations.
Each year in the past 5 years HNR1 has been profitable.
In the past 5 years HNR1 always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 3.51%, HNR1 is doing good in the industry, outperforming 79.59% of the companies in the same industry.
HNR1 has a Return On Equity of 20.58%. This is amongst the best in the industry. HNR1 outperforms 81.63% of its industry peers.
HNR1 has a better Return On Invested Capital (4.17%) than 87.76% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.69%.
The last Return On Invested Capital (4.17%) for HNR1 is above the 3 year average (2.80%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.51% | ||
| ROE | 20.58% | ||
| ROIC | 4.17% |
ROA(3y)2.42%
ROA(5y)1.99%
ROE(3y)15.46%
ROE(5y)12.95%
ROIC(3y)2.8%
ROIC(5y)2.2%
1.3 Margins
HNR1's Profit Margin of 63.19% is amongst the best of the industry. HNR1 outperforms 97.96% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1 has a better Operating Margin (86.24%) than 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 | 86.24% | ||
| PM (TTM) | 63.19% | ||
| GM | N/A |
OM growth 3Y151.65%
OM growth 5Y62.65%
PM growth 3Y132.58%
PM growth 5Y58.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, HNR1 has about the same amount of shares outstanding.
Compared to 5 years ago, HNR1 has about the same amount of shares outstanding.
HNR1 has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HNR1 is 0.79, which is an excellent value as it means it would take HNR1, only 0.79 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.79, HNR1 belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that HNR1 is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.35, HNR1 is doing good in the industry, outperforming 69.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.79 | ||
| 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 69.39% 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.
HNR1's Quick ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.70% over the past year.
HNR1 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.64% yearly.
The Revenue has grown by 25.18% in the past year. This is a very strong growth!
The Revenue for HNR1 have been decreasing by -28.84% on average. This is quite bad
EPS 1Y (TTM)9.7%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-1.82%
Revenue 1Y (TTM)25.18%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-6.08%
3.2 Future
The Earnings Per Share is expected to grow by 8.90% on average over the next years. This is quite good.
HNR1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.11% yearly.
EPS Next Y14.24%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
EPS Next 5Y8.9%
Revenue Next Year1.38%
Revenue Next 2Y1.98%
Revenue Next 3Y2.95%
Revenue Next 5Y3.11%
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 decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.08, the valuation of HNR1 can be described as correct.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (27.19), we can say HNR1 is valued rather cheaply.
HNR1 is valuated reasonably with a Price/Forward Earnings ratio of 10.58.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 10.58 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 75.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.62 | ||
| EV/EBITDA | N/A |
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.
HNR1 has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.85
PEG (5Y)0.96
EPS Next 2Y9.98%
EPS Next 3Y7.85%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.60%.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.02.
Compared to an average S&P500 Dividend Yield of 1.90, HNR1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
5.2 History
The dividend of HNR1 has a limited annual growth rate of 5.85%.
Dividend Growth(5Y)5.85%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
HNR1 pays out 36.98% of its income as dividend. This is a sustainable payout ratio.
HNR1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.98%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
FRA:HNR1 (1/9/2026, 7:00:00 PM)
247.2
-3 (-1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners24.99%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.81B
Revenue(TTM)3.91B
Net Income(TTM)2.47B
Analysts76.67
Price Target300.33 (21.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
Yearly Dividend7.57
Dividend Growth(5Y)5.85%
DP36.98%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.23%
Min EPS beat(2)-1.01%
Max EPS beat(2)1.47%
EPS beat(4)1
Avg EPS beat(4)-6.94%
Min EPS beat(4)-15.74%
Max EPS beat(4)1.47%
EPS beat(8)4
Avg EPS beat(8)0.89%
EPS beat(12)6
Avg EPS beat(12)-0.89%
EPS beat(16)7
Avg EPS beat(16)-3.57%
Revenue beat(2)0
Avg Revenue beat(2)-4.91%
Min Revenue beat(2)-8.29%
Max Revenue beat(2)-1.54%
Revenue beat(4)2
Avg Revenue beat(4)-1.66%
Min Revenue beat(4)-8.29%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-1.1%
Revenue beat(12)5
Avg Revenue beat(12)-15.64%
Revenue beat(16)6
Avg Revenue beat(16)-27.6%
PT rev (1m)0.56%
PT rev (3m)2.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)0%
EPS NY rev (3m)1.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)2.23%
Revenue NY rev (3m)-4.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 10.58 | ||
| P/S | 7.63 | ||
| P/FCF | 5.62 | ||
| P/OCF | 5.62 | ||
| P/B | 2.48 | ||
| P/tB | 2.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY8.28%
EPS(NY)23.36
Fwd EY9.45%
FCF(TTM)43.99
FCFY17.8%
OCF(TTM)43.99
OCFY17.8%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)0.85
PEG (5Y)0.96
Graham Number214.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.51% | ||
| ROE | 20.58% | ||
| ROCE | 4.82% | ||
| ROIC | 4.17% | ||
| ROICexc | 4.25% | ||
| ROICexgc | 4.45% | ||
| OM | 86.24% | ||
| PM (TTM) | 63.19% | ||
| GM | N/A | ||
| FCFM | 135.79% |
ROA(3y)2.42%
ROA(5y)1.99%
ROE(3y)15.46%
ROE(5y)12.95%
ROIC(3y)2.8%
ROIC(5y)2.2%
ROICexc(3y)2.85%
ROICexc(5y)2.24%
ROICexgc(3y)2.97%
ROICexgc(5y)2.44%
ROCE(3y)3.23%
ROCE(5y)2.54%
ROICexgc growth 3Y32.84%
ROICexgc growth 5Y11.08%
ROICexc growth 3Y40.56%
ROICexc growth 5Y15.67%
OM growth 3Y151.65%
OM growth 5Y62.65%
PM growth 3Y132.58%
PM growth 5Y58.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 11.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 214.88% | ||
| 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)398.21%
Profit Quality(5y)387.53%
High Growth Momentum
Growth
EPS 1Y (TTM)9.7%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-1.82%
EPS Next Y14.24%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
EPS Next 5Y8.9%
Revenue 1Y (TTM)25.18%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-6.08%
Revenue Next Year1.38%
Revenue Next 2Y1.98%
Revenue Next 3Y2.95%
Revenue Next 5Y3.11%
EBIT growth 1Y30.48%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year11.27%
EBIT Next 3Y6.09%
EBIT Next 5YN/A
FCF growth 1Y-1.89%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.89%
OCF growth 3Y4.77%
OCF growth 5Y17.76%
HANNOVER RUECK SE / HNR1.DE FAQ
What is the fundamental rating for HNR1 stock?
ChartMill assigns a fundamental rating of 6 / 10 to HNR1.DE.
What is the valuation status for HNR1 stock?
ChartMill assigns a valuation rating of 6 / 10 to HANNOVER RUECK SE (HNR1.DE). This can be considered as Fairly Valued.
What is the profitability of HNR1 stock?
HANNOVER RUECK SE (HNR1.DE) has a profitability rating of 8 / 10.
Can you provide the financial health for HNR1 stock?
The financial health rating of HANNOVER RUECK SE (HNR1.DE) is 5 / 10.
Is the dividend of HANNOVER RUECK SE sustainable?
The dividend rating of HANNOVER RUECK SE (HNR1.DE) is 6 / 10 and the dividend payout ratio is 36.98%.