HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR
We assign a fundamental rating of 6 out of 10 to HNR1. HNR1 was compared to 34 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year HNR1 was profitable.
HNR1 had a positive operating cash flow in the past year.
In the past 5 years HNR1 has always been profitable.
Each year in the past 5 years HNR1 had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.23%, HNR1 belongs to the top of the industry, outperforming 82.35% of the companies in the same industry.
HNR1 has a better Return On Equity (19.74%) than 82.35% of its industry peers.
HNR1's Return On Invested Capital of 4.02% is amongst the best of the industry. HNR1 outperforms 88.24% of its industry peers.
HNR1 had an Average Return On Invested Capital over the past 3 years of 2.97%. This is in line with the industry average of 2.22%.
The 3 year average ROIC (2.97%) for HNR1 is below the current ROIC(4.02%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.23% | ||
| ROE | 19.74% | ||
| ROIC | 4.02% |
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 58.12%, HNR1 belongs to the best of the industry, outperforming 97.06% of the companies in the same industry.
HNR1's Profit Margin has improved in the last couple of years.
HNR1 has a Operating Margin of 82.80%. This is amongst the best in 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 | 82.8% | ||
| PM (TTM) | 58.12% | ||
| 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
The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
HNR1 has less shares outstanding than it did 5 years ago.
HNR1 has a better debt/assets ratio than last year.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.82, HNR1 belongs to the top of the industry, outperforming 91.18% of the companies in the same industry.
A Debt/Equity ratio of 0.40 indicates that HNR1 is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.40, HNR1 is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.4 | ||
| Debt/FCF | 0.82 | ||
| 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.
HNR1 has a better Current ratio (0.27) than 73.53% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a Quick ratio of 0.27. This is in the better half of the industry: HNR1 outperforms 73.53% 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 impressive 27.63% 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 58.88%.
HNR1 shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -28.84% yearly.
EPS 1Y (TTM)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
Revenue 1Y (TTM)58.88%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%12.38%
3.2 Future
HNR1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.80% yearly.
The Revenue is expected to grow by 2.81% on average over the next years.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue Next Year5.97%
Revenue Next 2Y4.27%
Revenue Next 3Y2.86%
Revenue Next 5Y2.81%
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
Based on the Price/Earnings ratio of 14.54, the valuation of HNR1 can be described as correct.
HNR1's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (28.79), we can say HNR1 is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 13.18, the valuation of HNR1 can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 indicates a slightly more expensive valuation: HNR1 is more expensive than 79.41% of the companies listed in the same industry.
HNR1 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.54 | ||
| Fwd PE | 13.18 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than 73.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.96 | ||
| 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.
HNR1 has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.41
PEG (5Y)1.15
EPS Next 2Y9.06%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.24%. Purely for dividend investing, there may be better candidates out there.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.79.
Compared to an average S&P500 Dividend Yield of 2.51, HNR1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
5.2 History
The dividend of HNR1 has a limited annual growth rate of 5.92%.
Dividend Growth(5Y)5.92%
Div Incr Years3
Div Non Decr Years5
5.3 Sustainability
HNR1 pays out 39.21% of its income as dividend. This is a sustainable payout ratio.
HNR1's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP39.21%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
FRA:HNR1 (4/25/2025, 7:00:00 PM)
280.8
+0.8 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.95%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap33.86B
Analysts74.4
Price Target288 (2.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.24% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP39.21%
Div Incr Years3
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.13%
Min EPS beat(2)-12.47%
Max EPS beat(2)18.73%
EPS beat(4)2
Avg EPS beat(4)3.99%
Min EPS beat(4)-12.47%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)0.94%
EPS beat(12)6
Avg EPS beat(12)-3.43%
EPS beat(16)8
Avg EPS beat(16)227.61%
Revenue beat(2)2
Avg Revenue beat(2)1.52%
Min Revenue beat(2)1.18%
Max Revenue beat(2)1.86%
Revenue beat(4)3
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-6.03%
Max Revenue beat(4)1.86%
Revenue beat(8)4
Avg Revenue beat(8)-9.74%
Revenue beat(12)6
Avg Revenue beat(12)-12.42%
Revenue beat(16)7
Avg Revenue beat(16)-9.86%
PT rev (1m)4.77%
PT rev (3m)7.15%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.87%
EPS NY rev (3m)3.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.54 | ||
| Fwd PE | 13.18 | ||
| P/S | 8.45 | ||
| P/FCF | 5.96 | ||
| P/OCF | 5.96 | ||
| P/B | 2.87 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)19.31
EY6.88%
EPS(NY)21.3
Fwd EY7.59%
FCF(TTM)47.11
FCFY16.78%
OCF(TTM)47.11
OCFY16.78%
SpS33.22
BVpS97.8
TBVpS97.14
PEG (NY)1.41
PEG (5Y)1.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.23% | ||
| ROE | 19.74% | ||
| ROCE | 4.64% | ||
| ROIC | 4.02% | ||
| ROICexc | 4.09% | ||
| ROICexgc | 4.27% | ||
| OM | 82.8% | ||
| PM (TTM) | 58.12% | ||
| GM | N/A | ||
| FCFM | 141.8% |
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 | 0.4 | ||
| Debt/FCF | 0.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.96 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 244% | ||
| 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)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue 1Y (TTM)58.88%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%12.38%
Revenue Next Year5.97%
Revenue Next 2Y4.27%
Revenue Next 3Y2.86%
Revenue Next 5Y2.81%
EBIT growth 1Y68.31%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year11.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.79%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.79%
OCF growth 3Y4.77%
OCF growth 5Y17.76%