HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
266.8 EUR
+1.4 (+0.53%)
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 45 industry peers in the Insurance industry. While HNR1 has a great profitability rating, there are some minor concerns on its financial health. HNR1 is not valued too expensively and it also shows a decent 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.
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
The Return On Assets of HNR1 (3.51%) is better than 80.00% of its industry peers.
The Return On Equity of HNR1 (20.58%) is better than 82.22% of its industry peers.
HNR1's Return On Invested Capital of 4.17% is amongst the best of the industry. HNR1 outperforms 88.89% of its industry peers.
HNR1 had an Average Return On Invested Capital over the past 3 years of 2.80%. This is in line with the industry average of 2.72%.
The 3 year average ROIC (2.80%) for HNR1 is below the current ROIC(4.17%), indicating increased profibility in the last year.
| 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
With an excellent Profit Margin value of 63.19%, HNR1 belongs to the best of the industry, outperforming 97.78% of the companies in the same industry.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
The Operating Margin of HNR1 (86.24%) is better than 100.00% of its industry peers.
HNR1's Operating Margin has improved in the last couple of years.
| 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
The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
HNR1 has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, HNR1 has an improved debt to assets ratio.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
HNR1 has a Debt to FCF ratio of 0.79. This is amongst the best in the industry. HNR1 outperforms 95.56% of its industry peers.
A Debt/Equity ratio of 0.35 indicates that HNR1 is not too dependend on debt financing.
HNR1 has a better Debt to Equity ratio (0.35) than 73.33% of its industry peers.
| 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 Current ratio of 0.27. This is in the better half of the industry: HNR1 outperforms 73.33% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1's Quick ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 73.33% 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.
Looking at the last year, HNR1 shows a very strong growth in Revenue. The Revenue has grown by 25.18%.
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)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.
The Revenue is expected to grow by 3.11% on average over the next years.
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
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 13.03, which indicates a correct valuation of HNR1.
66.67% of the companies in the same industry are more expensive than HNR1, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (26.59), we can say HNR1 is valued rather cheaply.
HNR1 is valuated reasonably with a Price/Forward Earnings ratio of 11.42.
The rest of the industry has a similar Price/Forward Earnings ratio as HNR1.
HNR1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.06 | ||
| 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.
The excellent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)0.92
PEG (5Y)1.03
EPS Next 2Y9.98%
EPS Next 3Y7.85%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.45%.
HNR1's Dividend Yield is slightly below the industry average, which is at 3.95.
Compared to an average S&P500 Dividend Yield of 1.88, HNR1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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.
The dividend of HNR1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.98%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
FRA:HNR1 (12/23/2025, 7:00:00 PM)
266.8
+1.4 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners25.22%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap32.18B
Revenue(TTM)3.91B
Net Income(TTM)2.47B
Analysts77.5
Price Target300.33 (12.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.45% |
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)2.09%
PT rev (3m)2.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)1.47%
EPS NY rev (3m)1.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)-4%
Revenue NY rev (3m)-4.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.42 | ||
| P/S | 8.24 | ||
| P/FCF | 6.06 | ||
| P/OCF | 6.06 | ||
| P/B | 2.68 | ||
| P/tB | 2.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY7.67%
EPS(NY)23.36
Fwd EY8.75%
FCF(TTM)43.99
FCFY16.49%
OCF(TTM)43.99
OCFY16.49%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)0.92
PEG (5Y)1.03
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.
Can you provide the valuation status for HANNOVER RUECK SE?
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.
What is the financial health of HANNOVER RUECK SE (HNR1.DE) stock?
The financial health rating of HANNOVER RUECK SE (HNR1.DE) is 5 / 10.
What is the expected EPS growth for HANNOVER RUECK SE (HNR1.DE) stock?
The Earnings per Share (EPS) of HANNOVER RUECK SE (HNR1.DE) is expected to grow by 14.24% in the next year.