HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
247 EUR
-2.8 (-1.12%)
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 39 industry peers in the Insurance industry. While HNR1 has a great profitability rating, 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
In the past year HNR1 was profitable.
In the past year HNR1 had a positive cash flow from operations.
HNR1 had positive earnings in each of the past 5 years.
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 3.58%, HNR1 belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
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.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.26%.
The last Return On Invested Capital (4.29%) for HNR1 is above the 3 year average (2.80%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 63.51%, HNR1 belongs to the top of the industry, outperforming 97.44% of the companies in the same industry.
HNR1's Profit Margin has improved in the last couple of years.
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.
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
HNR1 has about the same amout of shares outstanding than it did 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 0.78. 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 better Debt to FCF ratio (0.78) than 97.44% of its industry peers.
A Debt/Equity ratio of 0.37 indicates that HNR1 is not too dependend on debt financing.
HNR1 has a Debt to Equity ratio of 0.37. This is in the better half of the industry: HNR1 outperforms 79.49% of its industry peers.
| 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.
Looking at the Current 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.
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
The Earnings Per Share has grown by an impressive 22.44% over the past year.
The Earnings Per Share has been growing by 12.64% on average over the past years. This is quite good.
The Revenue has grown by 36.77% in the past year. This is a very strong growth!
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
HNR1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.23% yearly.
The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
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.
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 12.01, which indicates a correct valuation of HNR1.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than 66.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. HNR1 is valued rather cheaply when compared to this.
HNR1 is valuated reasonably with a Price/Forward Earnings ratio of 10.96.
HNR1's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of HNR1 to the average of the S&P500 Index (31.86), we can say HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 10.96 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than 74.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.66 | ||
| 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)0.95
PEG (5Y)0.95
EPS Next 2Y8.04%
EPS Next 3Y6.58%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.57%.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.51.
Compared to an average S&P500 Dividend Yield of 2.40, HNR1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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.
HNR1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.2%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
FRA:HNR1 (11/7/2025, 3:31:55 PM)
247
-2.8 (-1.12%)
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 Cap29.79B
Revenue(TTM)3.91B
Net Income(TTM)2.48B
Analysts79.13
Price Target294.17 (19.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)-2.53%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 10.96 | ||
| P/S | 7.62 | ||
| P/FCF | 5.66 | ||
| P/OCF | 5.66 | ||
| P/B | 2.68 | ||
| P/tB | 2.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY8.33%
EPS(NY)22.54
Fwd EY9.13%
FCF(TTM)43.65
FCFY17.67%
OCF(TTM)43.65
OCFY17.67%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)0.95
PEG (5Y)0.95
Graham Number206.35
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)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
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 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 12.61% in the next year.