HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
261.8 EUR
+1.6 (+0.61%)
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 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.
In the past year HNR1 had a positive cash flow from operations.
Each year in the past 5 years HNR1 has 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 3.51% is fine compared to the rest of the industry. HNR1 outperforms 79.59% of its industry peers.
The Return On Equity of HNR1 (20.58%) is better than 83.67% of its industry peers.
The Return On Invested Capital of HNR1 (4.17%) is better than 87.76% 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 2.67%.
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
HNR1 has a better Profit Margin (63.19%) than 97.96% of its industry peers.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
HNR1's Operating Margin of 86.24% 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 | 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.
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's Debt to FCF ratio of 0.79 is amongst the best of the industry. HNR1 outperforms 95.92% of its industry peers.
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 73.47% 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.
Looking at the Current ratio, with a value of 0.27, HNR1 is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying 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 67.35% of the companies in the same industry.
| 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.
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 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
Based on estimates for the next years, HNR1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.90% on average per year.
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 2Y9.93%
EPS Next 3Y7.83%
EPS Next 5Y8.9%
Revenue Next Year-0.83%
Revenue Next 2Y0.77%
Revenue Next 3Y2.07%
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
HNR1 is valuated correctly with a Price/Earnings ratio of 12.79.
63.27% 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 (26.56), we can say HNR1 is valued rather cheaply.
The Price/Forward Earnings ratio is 11.22, which indicates a very decent valuation of HNR1.
HNR1's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.79. HNR1 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.79 | ||
| Fwd PE | 11.22 |
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 | 5.95 | ||
| 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)0.9
PEG (5Y)1.01
EPS Next 2Y9.93%
EPS Next 3Y7.83%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.49%. Purely for dividend investing, there may be better candidates out there.
HNR1's Dividend Yield is comparable with the industry average which is at 4.14.
Compared to an average S&P500 Dividend Yield of 1.87, HNR1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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 2Y9.93%
EPS Next 3Y7.83%
FRA:HNR1 (12/15/2025, 5:29:50 PM)
261.8
+1.6 (+0.61%)
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 Cap31.57B
Revenue(TTM)3.91B
Net Income(TTM)2.47B
Analysts77.5
Price Target300.33 (14.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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)6.96%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)1.47%
EPS NY rev (3m)1.37%
Revenue NQ rev (1m)-2.94%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)-6.1%
Revenue NY rev (3m)-6.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.79 | ||
| Fwd PE | 11.22 | ||
| P/S | 8.08 | ||
| P/FCF | 5.95 | ||
| P/OCF | 5.95 | ||
| P/B | 2.63 | ||
| P/tB | 2.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY7.82%
EPS(NY)23.34
Fwd EY8.91%
FCF(TTM)43.99
FCFY16.8%
OCF(TTM)43.99
OCFY16.8%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)0.9
PEG (5Y)1.01
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 2Y9.93%
EPS Next 3Y7.83%
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 Year-0.83%
Revenue Next 2Y0.77%
Revenue Next 3Y2.07%
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.