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

FRA:HNR1 • DE0008402215

Current stock price

274.6 EUR
+2.4 (+0.88%)
Last:

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

8

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.
  • 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.
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 has a Return On Assets of 3.70%. This is amongst the best in the industry. HNR1 outperforms 87.50% of its industry peers.
  • HNR1 has a better Return On Equity (20.43%) than 77.08% of its industry peers.
  • HNR1's Return On Invested Capital of 3.85% is amongst the best of the industry. HNR1 outperforms 83.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for HNR1 is in line with the industry average of 2.76%.
  • The 3 year average ROIC (3.28%) for HNR1 is below the current ROIC(3.85%), indicating increased profibility in the last year.
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 97.92% of its industry peers.
  • HNR1's Profit Margin has improved in the last couple of years.
  • HNR1 has a Operating Margin of 90.14%. This is amongst the best in 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.
  • The Debt to FCF ratio of HNR1 (0.73) is better than 95.83% of its industry peers.
  • HNR1 has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • HNR1 has a better Debt to Equity ratio (0.32) than 79.17% 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.
  • The Current ratio of HNR1 (0.25) is better than 72.92% of its industry peers.
  • HNR1 has a Quick 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.
  • HNR1's Quick ratio of 0.25 is fine compared to the rest of the industry. HNR1 outperforms 72.92% 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

  • The Earnings Per Share has grown by an nice 13.42% over the past year.
  • 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

  • HNR1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.61% yearly.
  • Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 3.66% on average per year.
EPS Next Y6.97%
EPS Next 2Y4.92%
EPS Next 3Y4.04%
EPS Next 5Y6.61%
Revenue Next Year2.89%
Revenue Next 2Y3.95%
Revenue Next 3Y4.15%
Revenue Next 5Y3.66%

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

  • HNR1 is valuated correctly with a Price/Earnings ratio of 12.54.
  • Compared to the rest of the industry, the Price/Earnings ratio of HNR1 is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 27.38. HNR1 is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 11.72, which indicates a very decent valuation of HNR1.
  • 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 38.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.54
Fwd PE 11.72
HNR1.DE Price Earnings VS Forward Price EarningsHNR1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.82
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

  • 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)1.8
PEG (5Y)0.51
EPS Next 2Y4.92%
EPS Next 3Y4.04%

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6

5. HNR1.DE Dividend Analysis

5.1 Amount

  • HNR1 has a Yearly Dividend Yield of 4.52%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.28, HNR1 has a dividend in line with its industry peers.
  • HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.52%

5.2 History

  • On average, the dividend of HNR1 grows each year by 9.61%, which is quite nice.
Dividend Growth(5Y)9.61%
Div Incr Years5
Div Non Decr Years7
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.
  • The dividend of HNR1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.46%
EPS Next 2Y4.92%
EPS Next 3Y4.04%
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 (4/15/2026, 7:00:00 PM)

274.6

+2.4 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-11
Inst Owners24.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap33.12B
Revenue(TTM)3.89B
Net Income(TTM)2.64B
Analysts76
Price Target298.79 (8.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.52%
Yearly Dividend9.3
Dividend Growth(5Y)9.61%
DP42.46%
Div Incr Years5
Div Non Decr Years7
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)1.49%
PT rev (3m)-0.51%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)-0.79%
EPS NY rev (1m)1.36%
EPS NY rev (3m)0.31%
Revenue NQ rev (1m)-2.07%
Revenue NQ rev (3m)-3.56%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)-0.79%
Valuation
Industry RankSector Rank
PE 12.54
Fwd PE 11.72
P/S 8.51
P/FCF 5.82
P/OCF 5.82
P/B 2.56
P/tB 2.58
EV/EBITDA N/A
EPS(TTM)21.9
EY7.98%
EPS(NY)23.43
Fwd EY8.53%
FCF(TTM)47.16
FCFY17.17%
OCF(TTM)47.16
OCFY17.17%
SpS32.27
BVpS107.2
TBVpS106.56
PEG (NY)1.8
PEG (5Y)0.51
Graham Number229.836 (-16.3%)
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 Y6.97%
EPS Next 2Y4.92%
EPS Next 3Y4.04%
EPS Next 5Y6.61%
Revenue 1Y (TTM)-2.88%
Revenue growth 3Y28.58%
Revenue growth 5Y-30.33%
Sales Q2Q%5.95%
Revenue Next Year2.89%
Revenue Next 2Y3.95%
Revenue Next 3Y4.15%
Revenue Next 5Y3.66%
EBIT growth 1Y5.73%
EBIT growth 3Y40.77%
EBIT growth 5Y29.68%
EBIT Next Year8.45%
EBIT Next 3Y6.25%
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 6 / 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.


How profitable is HANNOVER RUECK SE (HNR1.DE) stock?

HANNOVER RUECK SE (HNR1.DE) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for HNR1 stock?

The Price/Earnings (PE) ratio for HANNOVER RUECK SE (HNR1.DE) is 12.54 and the Price/Book (PB) ratio is 2.56.


What is the earnings growth outlook for HANNOVER RUECK SE?

The Earnings per Share (EPS) of HANNOVER RUECK SE (HNR1.DE) is expected to grow by 6.97% in the next year.