HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
259.7 EUR
-1.3 (-0.5%)
Overall HNR1 gets a fundamental rating of 6 out of 10. We evaluated HNR1 against 39 industry peers in the Insurance industry. HNR1 has an excellent profitability rating, 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.
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
HNR1's Return On Assets of 3.58% is amongst the best of the industry. HNR1 outperforms 89.74% of its industry peers.
HNR1 has a better Return On Equity (22.37%) than 87.18% of its industry peers.
HNR1 has a better Return On Invested Capital (4.29%) than 94.87% 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 2.23%.
The 3 year average ROIC (2.80%) for HNR1 is below the current ROIC(4.29%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 22.37% | ||
| ROIC | 4.29% |
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
The Profit Margin of HNR1 (63.51%) is better than 97.44% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1 has a better Operating Margin (87.59%) 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 | 87.59% | ||
| PM (TTM) | 63.51% | ||
| 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.
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.
HNR1 has a Debt to FCF ratio of 0.78. This is amongst the best in the industry. HNR1 outperforms 97.44% of its industry peers.
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 79.49% 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
HNR1 has a Current 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.
With a decent Current ratio value of 0.27, HNR1 is doing good in the industry, outperforming 69.23% 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 69.23% 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 negative growth in Earnings Per Share. In the last year the EPS decreased by -14.37%.
HNR1 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.64% yearly.
HNR1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 60.90%.
The Revenue for HNR1 have been decreasing by -28.84% on average. This is quite bad
EPS 1Y (TTM)-14.37%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-83.49%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-5.05%
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 3.10% on average over the next years.
EPS Next Y12.59%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
EPS Next 5Y8.9%
Revenue Next Year5.61%
Revenue Next 2Y3.8%
Revenue Next 3Y4.19%
Revenue Next 5Y3.1%
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
A Price/Earnings ratio of 16.25 indicates a correct valuation of HNR1.
Based on the Price/Earnings ratio, HNR1 is valued a bit more expensive than 64.10% of the companies in the same industry.
HNR1 is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of HNR1.
The rest of the industry has a similar Price/Forward Earnings ratio as HNR1.
When comparing the Price/Forward Earnings ratio of HNR1 to the average of the S&P500 Index (34.57), we can say HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.25 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
71.79% of the companies in the same industry are more expensive than HNR1, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)1.29
PEG (5Y)1.29
EPS Next 2Y8.53%
EPS Next 3Y6.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.60%, HNR1 has a reasonable but not impressive dividend return.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.62.
HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| 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
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 2Y8.53%
EPS Next 3Y6.97%
FRA:HNR1 (11/14/2025, 10:19:19 AM)
259.7
-1.3 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners25.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.32B
Revenue(TTM)3.93B
Net Income(TTM)2.48B
Analysts78.26
Price Target294.17 (13.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
Yearly Dividend7.57
Dividend Growth(5Y)5.85%
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)5
Avg Revenue beat(12)-22.67%
Revenue beat(16)6
Avg Revenue beat(16)-27.25%
PT rev (1m)0.05%
PT rev (3m)-0.85%
EPS NQ rev (1m)4.7%
EPS NQ rev (3m)-0.03%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.07%
Revenue NQ rev (1m)-2.53%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)-0.43%
Revenue NY rev (3m)-2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.25 | ||
| Fwd PE | 11.42 | ||
| P/S | 8.02 | ||
| P/FCF | 5.95 | ||
| P/OCF | 5.95 | ||
| P/B | 2.82 | ||
| P/tB | 2.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.98
EY6.15%
EPS(NY)22.74
Fwd EY8.76%
FCF(TTM)43.65
FCFY16.81%
OCF(TTM)43.65
OCFY16.81%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)1.29
PEG (5Y)1.29
Graham Number181.88
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)2.42%
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 | 0.37 | ||
| 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)398.21%
Profit Quality(5y)387.53%
High Growth Momentum
Growth
EPS 1Y (TTM)-14.37%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-83.49%
EPS Next Y12.59%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
EPS Next 5Y8.9%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-5.05%
Revenue Next Year5.61%
Revenue Next 2Y3.8%
Revenue Next 3Y4.19%
Revenue Next 5Y3.1%
EBIT growth 1Y50.38%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year11.27%
EBIT Next 3Y6.09%
EBIT Next 5YN/A
FCF growth 1Y-7.24%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-7.24%
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 5 / 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 12.59% in the next year.