HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
260 EUR
-1.4 (-0.54%)
Overall HNR1 gets a fundamental rating of 6 out of 10. We evaluated HNR1 against 40 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.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 3.58%, HNR1 belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
With an excellent Return On Equity value of 22.37%, HNR1 belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
With an excellent Return On Invested Capital value of 4.29%, HNR1 belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.23%.
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
With an excellent Profit Margin value of 63.51%, HNR1 belongs to the best of the industry, outperforming 97.50% of the companies in the same industry.
HNR1's Profit Margin has improved in the last couple of years.
HNR1's Operating Margin of 87.59% 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 | 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.
The number of shares outstanding for HNR1 remains at a similar level compared to 5 years ago.
The debt/assets ratio for HNR1 has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HNR1 is 0.78, which is an excellent value as it means it would take HNR1, only 0.78 years of fcf income to pay off all of its debts.
HNR1 has a better Debt to FCF ratio (0.78) than 97.50% of its industry peers.
A Debt/Equity ratio of 0.37 indicates that HNR1 is not too dependend on debt financing.
HNR1 has a better Debt to Equity ratio (0.37) than 80.00% 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
A Current Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a better Current ratio (0.27) than 67.50% of its industry peers.
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 67.50% 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 growth in Earnings Per Share. In the last year, the EPS has been growing by 22.44%, which is quite impressive.
Measured over the past years, HNR1 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.64% on average per year.
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
With a Price/Earnings ratio of 12.64, HNR1 is valued correctly.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than 67.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.02. HNR1 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.54, which indicates a very decent valuation of HNR1.
60.00% of the companies in the same industry are cheaper than HNR1, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.57. HNR1 is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 11.54 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 72.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HNR1's 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
PEG (5Y)1
EPS Next 2Y8.04%
EPS Next 3Y6.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.42%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.48, HNR1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, HNR1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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 (10/13/2025, 5:36:15 PM)
260
-1.4 (-0.54%)
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 Cap31.36B
Analysts79.13
Price Target294.03 (13.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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)-0.07%
PT rev (3m)-0.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.97%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.18%
Revenue NY rev (1m)-0.52%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 11.54 | ||
| P/S | 8.02 | ||
| P/FCF | 5.96 | ||
| P/OCF | 5.96 | ||
| P/B | 2.83 | ||
| P/tB | 2.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY7.91%
EPS(NY)22.54
Fwd EY8.67%
FCF(TTM)43.65
FCFY16.79%
OCF(TTM)43.65
OCFY16.79%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)1
PEG (5Y)1
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%
ROICexcg growth 3Y32.84%
ROICexcg 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%