HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
249.8 EUR
+8.6 (+3.57%)
Overall HNR1 gets a fundamental rating of 6 out of 10. We evaluated HNR1 against 38 industry peers in the Insurance industry. HNR1 scores excellent on profitability, but there are some minor concerns on its financial health. HNR1 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
HNR1 had positive earnings in the past year.
HNR1 had a positive operating cash flow in the past year.
In the past 5 years HNR1 has always been profitable.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HNR1's Return On Assets of 3.58% is amongst the best of the industry. HNR1 outperforms 89.47% of its industry peers.
HNR1's Return On Equity of 22.37% is amongst the best of the industry. HNR1 outperforms 86.84% of its industry peers.
HNR1 has a Return On Invested Capital of 4.29%. This is amongst the best in the industry. HNR1 outperforms 94.74% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HNR1 is in line with the industry average of 2.28%.
The last Return On Invested Capital (4.29%) for HNR1 is above the 3 year average (2.97%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 22.37% | ||
| ROIC | 4.29% |
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
With an excellent Profit Margin value of 63.51%, HNR1 belongs to the best of the industry, outperforming 97.37% of the companies in the same industry.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
With an excellent Operating Margin value of 87.59%, HNR1 belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
HNR1's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 87.59% | ||
| PM (TTM) | 63.51% | ||
| 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
Compared to 1 year ago, HNR1 has about the same amount of shares outstanding.
The number of shares outstanding for HNR1 has been reduced compared to 5 years ago.
The debt/assets ratio for HNR1 has been reduced compared to a year ago.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.78, HNR1 belongs to the best of the industry, outperforming 94.74% of the companies in the same industry.
HNR1 has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.37, HNR1 is doing good in the industry, outperforming 76.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 0.78 | ||
| 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.
With a decent Current ratio value of 0.27, HNR1 is doing good in the industry, outperforming 73.68% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 0.27, HNR1 is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
| 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 22.44%, which is quite impressive.
The Earnings Per Share has been growing by 12.64% on average over the past years. This is quite good.
HNR1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.77%.
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)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
3.2 Future
The Earnings Per Share is expected to grow by 8.07% on average over the next years. This is quite good.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 3.85% on average per year.
EPS Next Y12.69%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
EPS Next 5Y8.07%
Revenue Next Year4.22%
Revenue Next 2Y3.27%
Revenue Next 3Y3.6%
Revenue Next 5Y3.85%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 12.14, which indicates a correct valuation of HNR1.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than 68.42% of the companies in the same industry.
HNR1 is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.02, which indicates a very decent valuation of HNR1.
The rest of the industry has a similar Price/Forward Earnings ratio as HNR1.
The average S&P500 Price/Forward Earnings ratio is at 22.73. HNR1 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than 73.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HNR1's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)0.96
PEG (5Y)0.96
EPS Next 2Y8.36%
EPS Next 3Y6.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.65%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.48, HNR1 is paying slightly less dividend.
HNR1's Dividend Yield is a higher than the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
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
45.20% of the earnings are spent on dividend by HNR1. This is a bit on the high side, but may be sustainable.
The dividend of HNR1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.2%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
FRA:HNR1 (9/12/2025, 7:00:00 PM)
249.8
+8.6 (+3.57%)
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 Cap30.13B
Analysts78.26
Price Target294.24 (17.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP45.2%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.13%
Min EPS beat(2)-15.74%
Max EPS beat(2)1.47%
EPS beat(4)2
Avg EPS beat(4)-2%
Min EPS beat(4)-15.74%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)1.35%
EPS beat(12)6
Avg EPS beat(12)-3.6%
EPS beat(16)8
Avg EPS beat(16)226.15%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)1.99%
Revenue beat(4)3
Avg Revenue beat(4)0.87%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-1.22%
Revenue beat(12)6
Avg Revenue beat(12)-5.03%
Revenue beat(16)8
Avg Revenue beat(16)-8.13%
PT rev (1m)-0.83%
PT rev (3m)1.03%
EPS NQ rev (1m)-4.52%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.16%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.38%
Revenue NY rev (3m)-1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.02 | ||
| P/S | 7.71 | ||
| P/FCF | 5.72 | ||
| P/OCF | 5.72 | ||
| P/B | 2.72 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY8.23%
EPS(NY)22.67
Fwd EY9.08%
FCF(TTM)43.65
FCFY17.48%
OCF(TTM)43.65
OCFY17.48%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)0.96
PEG (5Y)0.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 22.37% | ||
| ROCE | 4.96% | ||
| ROIC | 4.29% | ||
| ROICexc | 4.36% | ||
| ROICexgc | 4.58% | ||
| OM | 87.59% | ||
| PM (TTM) | 63.51% | ||
| GM | N/A | ||
| FCFM | 134.74% |
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 Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.94 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 212.15% | ||
| 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)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
EPS Next Y12.69%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
EPS Next 5Y8.07%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
Revenue Next Year4.22%
Revenue Next 2Y3.27%
Revenue Next 3Y3.6%
Revenue Next 5Y3.85%
EBIT growth 1Y50.38%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year8.15%
EBIT Next 3Y6.41%
EBIT Next 5YN/A
FCF growth 1Y-8.89%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-8.89%
OCF growth 3Y4.77%
OCF growth 5Y17.76%