HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
251.8 EUR
-2.6 (-1.02%)
We assign a fundamental rating of 6 out of 10 to HNR1. HNR1 was compared to 48 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HNR1 was profitable.
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
Looking at the Return On Assets, with a value of 3.51%, HNR1 belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
HNR1 has a better Return On Equity (20.58%) than 85.42% of its industry peers.
HNR1's Return On Invested Capital of 4.17% is amongst the best of the industry. HNR1 outperforms 87.50% 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 2.58%.
The last Return On Invested Capital (4.17%) for HNR1 is above the 3 year average (2.80%), which is a sign of increasing profitability.
| 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 Profit Margin of 63.19%. This is amongst the best in the industry. HNR1 outperforms 97.92% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1 has a better Operating Margin (86.24%) than 100.00% of its industry peers.
HNR1's Operating Margin has improved in the last couple of years.
| 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
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.
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 0.79, which is an excellent value as it means it would take HNR1, only 0.79 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.79, HNR1 belongs to the best of the industry, outperforming 97.92% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that HNR1 is not too dependend on debt financing.
The Debt to Equity ratio of HNR1 (0.35) is better than 77.08% of its industry peers.
| 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.
The Current ratio of HNR1 (0.27) is better than 66.67% 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 66.67% 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.
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.
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 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 5Y3.11%
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 12.30.
66.67% 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 (26.41), we can say HNR1 is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.07, the valuation of HNR1 can be described as reasonable.
Based on the Price/Forward Earnings ratio, HNR1 is valued a bit more expensive than 60.42% of the companies in the same industry.
HNR1's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 11.07 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.72 | ||
| 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.
HNR1 has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.98
PEG (5Y)0.97
EPS Next 2Y8.53%
EPS Next 3Y6.97%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.47, HNR1 is paying slightly less dividend.
HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
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
36.98% of the earnings are spent on dividend by HNR1. This is a low number and sustainable payout ratio.
The dividend of HNR1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.98%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
FRA:HNR1 (12/5/2025, 11:48:55 AM)
251.8
-2.6 (-1.02%)
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 Cap30.37B
Revenue(TTM)3.91B
Net Income(TTM)2.47B
Analysts78.26
Price Target298.66 (18.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
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)1.57%
PT rev (3m)1.34%
EPS NQ rev (1m)6.96%
EPS NQ rev (3m)3.04%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-2.94%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)-0.43%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.3 | ||
| Fwd PE | 11.07 | ||
| P/S | 7.77 | ||
| P/FCF | 5.72 | ||
| P/OCF | 5.72 | ||
| P/B | 2.53 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY8.13%
EPS(NY)22.74
Fwd EY9.03%
FCF(TTM)43.99
FCFY17.47%
OCF(TTM)43.99
OCFY17.47%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)0.98
PEG (5Y)0.97
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 Y12.59%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
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 Year5.61%
Revenue Next 2Y3.8%
Revenue Next 3Y4.19%
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 12.59% in the next year.