HANNOVER RUECK SE (HNR1.DE) Fundamental Analysis & Valuation

FRA:HNR1 • DE0008402215

Current stock price

260 EUR
-4.6 (-1.74%)
Last:

This HNR1.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. HNR1.DE Profitability Analysis

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.
  • HNR1 had a positive operating cash flow in each of the past 5 years.
HNR1.DE Yearly Net Income VS EBIT VS OCF VS FCFHNR1.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • HNR1's Return On Assets of 3.70% is amongst the best of the industry. HNR1 outperforms 82.98% of its industry peers.
  • The Return On Equity of HNR1 (20.43%) is better than 74.47% of its industry peers.
  • HNR1 has a better Return On Invested Capital (3.85%) than 76.60% of its industry peers.
  • HNR1 had an Average Return On Invested Capital over the past 3 years of 3.28%. This is in line with the industry average of 3.34%.
  • The last Return On Invested Capital (3.85%) for HNR1 is above the 3 year average (3.28%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.7%
ROE 20.43%
ROIC 3.85%
ROA(3y)3.24%
ROA(5y)2.49%
ROE(3y)19.4%
ROE(5y)15.43%
ROIC(3y)3.28%
ROIC(5y)2.54%
HNR1.DE Yearly ROA, ROE, ROICHNR1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • HNR1 has a better Profit Margin (67.88%) than 97.87% of its industry peers.
  • HNR1's Profit Margin has improved in the last couple of years.
  • HNR1's Operating Margin of 90.14% is amongst the best of the industry. HNR1 outperforms 100.00% of its industry peers.
  • HNR1's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 90.14%
PM (TTM) 67.88%
GM N/A
OM growth 3Y9.48%
OM growth 5Y86.15%
PM growth 3Y16.76%
PM growth 5Y78.71%
GM growth 3YN/A
GM growth 5YN/A
HNR1.DE Yearly Profit, Operating, Gross MarginsHNR1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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5

2. HNR1.DE Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, HNR1 has about the same amount of shares outstanding.
  • The debt/assets ratio for HNR1 has been reduced compared to a year ago.
HNR1.DE Yearly Shares OutstandingHNR1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
HNR1.DE Yearly Total Debt VS Total AssetsHNR1.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • HNR1 has a debt to FCF ratio of 0.73. This is a very positive value and a sign of high solvency as it would only need 0.73 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.73, HNR1 belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
  • A Debt/Equity ratio of 0.32 indicates that HNR1 is not too dependend on debt financing.
  • HNR1 has a Debt to Equity ratio of 0.32. This is in the better half of the industry: HNR1 outperforms 76.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 0.73
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
HNR1.DE Yearly LT Debt VS Equity VS FCFHNR1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • HNR1 has a Current Ratio of 0.25. 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 0.25, HNR1 is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
  • A Quick Ratio of 0.25 indicates that HNR1 may have some problems paying its short term obligations.
  • HNR1 has a Quick ratio of 0.25. This is in the better half of the industry: HNR1 outperforms 72.34% of its industry peers.
Industry RankSector Rank
Current Ratio 0.25
Quick Ratio 0.25
HNR1.DE Yearly Current Assets VS Current LiabilitesHNR1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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4

3. HNR1.DE Growth Analysis

3.1 Past

  • HNR1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.42%, which is quite good.
  • The Earnings Per Share has been growing by 24.51% on average over the past years. This is a very strong growth
  • Looking at the last year, HNR1 shows a decrease in Revenue. The Revenue has decreased by -2.88% in the last year.
  • HNR1 shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -30.33% yearly.
EPS 1Y (TTM)13.42%
EPS 3Y23.38%
EPS 5Y24.51%
EPS Q2Q%34.23%
Revenue 1Y (TTM)-2.88%
Revenue growth 3Y28.58%
Revenue growth 5Y-30.33%
Sales Q2Q%5.95%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.61% on average over the next years.
  • HNR1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.44% yearly.
EPS Next Y5.54%
EPS Next 2Y4.6%
EPS Next 3Y3.84%
EPS Next 5Y6.61%
Revenue Next Year2.32%
Revenue Next 2Y3.65%
Revenue Next 3Y3.66%
Revenue Next 5Y3.44%

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.
HNR1.DE Yearly Revenue VS EstimatesHNR1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
HNR1.DE Yearly EPS VS EstimatesHNR1.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10 20 30 40

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5

4. HNR1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.87, the valuation of HNR1 can be described as reasonable.
  • HNR1's Price/Earnings ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 61.70% of the companies in the same industry.
  • HNR1's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • HNR1 is valuated reasonably with a Price/Forward Earnings ratio of 11.25.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HNR1.
  • HNR1's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 11.87
Fwd PE 11.25
HNR1.DE Price Earnings VS Forward Price EarningsHNR1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HNR1 indicates a somewhat cheap valuation: HNR1 is cheaper than 72.34% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.51
EV/EBITDA N/A
HNR1.DE Per share dataHNR1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HNR1 does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)2.14
PEG (5Y)0.48
EPS Next 2Y4.6%
EPS Next 3Y3.84%

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6

5. HNR1.DE Dividend Analysis

5.1 Amount

  • HNR1 has a Yearly Dividend Yield of 4.54%, which is a nice return.
  • HNR1's Dividend Yield is comparable with the industry average which is at 4.16.
  • Compared to an average S&P500 Dividend Yield of 1.89, HNR1 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.54%

5.2 History

  • The dividend of HNR1 is nicely growing with an annual growth rate of 9.61%!
Dividend Growth(5Y)9.61%
Div Incr Years4
Div Non Decr Years6
HNR1.DE Yearly Dividends per shareHNR1.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • 42.46% 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 slower than its dividend. This means the dividend growth is not sustainable.
DP42.46%
EPS Next 2Y4.6%
EPS Next 3Y3.84%
HNR1.DE Yearly Income VS Free CF VS DividendHNR1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
HNR1.DE Dividend Payout.HNR1.DE Dividend Payout, showing the Payout Ratio.HNR1.DE Dividend Payout.PayoutRetained Earnings

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HNR1.DE Fundamentals: All Metrics, Ratios and Statistics

HANNOVER RUECK SE

FRA:HNR1 (3/20/2026, 7:00:00 PM)

260

-4.6 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-11
Inst Owners25.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.36B
Revenue(TTM)3.89B
Net Income(TTM)2.64B
Analysts76
Price Target294.4 (13.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.54%
Yearly Dividend9.3
Dividend Growth(5Y)9.61%
DP42.46%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.73%
Min EPS beat(2)-2.44%
Max EPS beat(2)-1.01%
EPS beat(4)1
Avg EPS beat(4)-4.43%
Min EPS beat(4)-15.74%
Max EPS beat(4)1.47%
EPS beat(8)3
Avg EPS beat(8)-0.22%
EPS beat(12)6
Avg EPS beat(12)-0.85%
EPS beat(16)7
Avg EPS beat(16)-3.68%
Revenue beat(2)1
Avg Revenue beat(2)-1.92%
Min Revenue beat(2)-8.29%
Max Revenue beat(2)4.45%
Revenue beat(4)2
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-8.29%
Max Revenue beat(4)4.45%
Revenue beat(8)5
Avg Revenue beat(8)-0.59%
Revenue beat(12)6
Avg Revenue beat(12)-6.77%
Revenue beat(16)6
Avg Revenue beat(16)-28.64%
PT rev (1m)-0.71%
PT rev (3m)-1.97%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)-0.79%
EPS NY rev (1m)-0.24%
EPS NY rev (3m)-1.03%
Revenue NQ rev (1m)-3.4%
Revenue NQ rev (3m)-3.56%
Revenue NY rev (1m)-0.5%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 11.87
Fwd PE 11.25
P/S 8.06
P/FCF 5.51
P/OCF 5.51
P/B 2.43
P/tB 2.44
EV/EBITDA N/A
EPS(TTM)21.9
EY8.42%
EPS(NY)23.11
Fwd EY8.89%
FCF(TTM)47.16
FCFY18.14%
OCF(TTM)47.16
OCFY18.14%
SpS32.27
BVpS107.2
TBVpS106.56
PEG (NY)2.14
PEG (5Y)0.48
Graham Number229.84
Profitability
Industry RankSector Rank
ROA 3.7%
ROE 20.43%
ROCE 4.95%
ROIC 3.85%
ROICexc 3.91%
ROICexgc 4.06%
OM 90.14%
PM (TTM) 67.88%
GM N/A
FCFM 146.14%
ROA(3y)3.24%
ROA(5y)2.49%
ROE(3y)19.4%
ROE(5y)15.43%
ROIC(3y)3.28%
ROIC(5y)2.54%
ROICexc(3y)3.34%
ROICexc(5y)2.59%
ROICexgc(3y)3.44%
ROICexgc(5y)2.73%
ROCE(3y)4.22%
ROCE(5y)3.27%
ROICexgc growth 3Y33.01%
ROICexgc growth 5Y25.15%
ROICexc growth 3Y34.83%
ROICexc growth 5Y29.86%
OM growth 3Y9.48%
OM growth 5Y86.15%
PM growth 3Y16.76%
PM growth 5Y78.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 0.73
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 9.05
Cash Conversion N/A
Profit Quality 215.29%
Current Ratio 0.25
Quick Ratio 0.25
Altman-Z N/A
F-Score6
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)258.78%
Profit Quality(5y)362.23%
High Growth Momentum
Growth
EPS 1Y (TTM)13.42%
EPS 3Y23.38%
EPS 5Y24.51%
EPS Q2Q%34.23%
EPS Next Y5.54%
EPS Next 2Y4.6%
EPS Next 3Y3.84%
EPS Next 5Y6.61%
Revenue 1Y (TTM)-2.88%
Revenue growth 3Y28.58%
Revenue growth 5Y-30.33%
Sales Q2Q%5.95%
Revenue Next Year2.32%
Revenue Next 2Y3.65%
Revenue Next 3Y3.66%
Revenue Next 5Y3.44%
EBIT growth 1Y5.73%
EBIT growth 3Y40.77%
EBIT growth 5Y29.68%
EBIT Next Year10.24%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y0.09%
FCF growth 3Y4.76%
FCF growth 5Y13.51%
OCF growth 1Y0.09%
OCF growth 3Y4.76%
OCF growth 5Y13.51%

HANNOVER RUECK SE / HNR1.DE Fundamental Analysis FAQ

What is the fundamental rating for HNR1 stock?

ChartMill assigns a fundamental rating of 5 / 10 to HNR1.DE.


What is the valuation status for HNR1 stock?

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 7 / 10.


Can you provide the financial health for HNR1 stock?

The financial health rating of HANNOVER RUECK SE (HNR1.DE) is 5 / 10.


Is the dividend of HANNOVER RUECK SE sustainable?

The dividend rating of HANNOVER RUECK SE (HNR1.DE) is 6 / 10 and the dividend payout ratio is 42.46%.