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

FRA:HNR1 • DE0008402215

Current stock price

261.2 EUR
+2.8 (+1.08%)
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

  • HNR1 had positive earnings in the past year.
  • In the past year HNR1 had a positive cash flow from operations.
  • Each year in the past 5 years HNR1 has been profitable.
  • Each year in the past 5 years HNR1 had a positive operating cash flow.
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 1B 2B 3B 4B 5B

1.2 Ratios

  • HNR1's Return On Assets of 3.51% is fine compared to the rest of the industry. HNR1 outperforms 74.47% of its industry peers.
  • The Return On Equity of HNR1 (20.58%) is better than 76.60% of its industry peers.
  • With an excellent Return On Invested Capital value of 4.17%, HNR1 belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for HNR1 is in line with the industry average of 3.45%.
  • The 3 year average ROIC (2.80%) for HNR1 is below the current ROIC(4.17%), indicating increased profibility in the last year.
Industry RankSector 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%
HNR1.DE Yearly ROA, ROE, ROICHNR1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of HNR1 (63.19%) is better than 97.87% of its industry peers.
  • In the last couple of years the Profit Margin of HNR1 has grown nicely.
  • HNR1 has a better Operating Margin (86.24%) than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of HNR1 has grown nicely.
Industry RankSector 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
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 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.
  • 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.
HNR1.DE Yearly Shares OutstandingHNR1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

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.
  • Looking at the Debt to FCF ratio, with a value of 0.79, HNR1 belongs to the top of the industry, outperforming 91.49% of the companies in the same industry.
  • A Debt/Equity ratio of 0.35 indicates that HNR1 is not too dependend on debt financing.
  • HNR1 has a Debt to Equity ratio of 0.35. This is in the better half of the industry: HNR1 outperforms 72.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 0.79
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 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.27, HNR1 is doing good in the industry, outperforming 68.09% 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.
  • HNR1 has a better Quick ratio (0.27) than 68.09% of its industry peers.
Industry RankSector Rank
Current Ratio 0.27
Quick Ratio 0.27
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 200M 400M 600M

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4

3. HNR1.DE Growth Analysis

3.1 Past

  • The earnings per share for HNR1 have decreased strongly by -10.76% in the last 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 60.90%.
  • 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)-10.76%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-77.44%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%6.7%

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 8.48% on average per year.
  • HNR1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.98% yearly.
EPS Next Y14.68%
EPS Next 2Y9.41%
EPS Next 3Y7.46%
EPS Next 5Y8.48%
Revenue Next Year1.14%
Revenue Next 2Y1.73%
Revenue Next 3Y2.8%
Revenue Next 5Y2.98%

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.
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

  • A Price/Earnings ratio of 15.16 indicates a correct valuation of HNR1.
  • HNR1's Price/Earnings ratio is a bit more expensive when compared to the industry. HNR1 is more expensive than 61.70% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, HNR1 is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 11.30, the valuation of HNR1 can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 is on the same level as its industry peers.
  • HNR1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.16
Fwd PE 11.3
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 65.96% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.94
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

4.3 Compensation for Growth

  • HNR1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)1.03
PEG (5Y)1.2
EPS Next 2Y9.41%
EPS Next 3Y7.46%

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6

5. HNR1.DE Dividend Analysis

5.1 Amount

  • HNR1 has a Yearly Dividend Yield of 3.57%.
  • Compared to an average industry Dividend Yield of 4.21, HNR1 is paying slightly less dividend.
  • HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector 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
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

  • 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 2Y9.41%
EPS Next 3Y7.46%
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 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 (3/13/2026, 7:00:00 PM)

261.2

+2.8 (+1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)N/A
Inst Owners25.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.50B
Revenue(TTM)3.93B
Net Income(TTM)2.47B
Analysts76
Price Target294.4 (12.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
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)-0.71%
PT rev (3m)-1.97%
EPS NQ rev (1m)-0.77%
EPS NQ rev (3m)-1.56%
EPS NY rev (1m)0.27%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)1.47%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)1.99%
Valuation
Industry RankSector Rank
PE 15.16
Fwd PE 11.3
P/S 8.06
P/FCF 5.94
P/OCF 5.94
P/B 2.62
P/tB 2.64
EV/EBITDA N/A
EPS(TTM)17.23
EY6.6%
EPS(NY)23.11
Fwd EY8.85%
FCF(TTM)43.99
FCFY16.84%
OCF(TTM)43.99
OCFY16.84%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)1.03
PEG (5Y)1.2
Graham Number196.41
Profitability
Industry RankSector 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 RankSector 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)-10.76%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-77.44%
EPS Next Y14.68%
EPS Next 2Y9.41%
EPS Next 3Y7.46%
EPS Next 5Y8.48%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%6.7%
Revenue Next Year1.14%
Revenue Next 2Y1.73%
Revenue Next 3Y2.8%
Revenue Next 5Y2.98%
EBIT growth 1Y30.48%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year6.97%
EBIT Next 3Y6.59%
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 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 36.98%.