MUENCHENER RUECKVER AG-REG (MUV2.DE) Fundamental Analysis & Valuation

FRA:MUV2 • DE0008430026

Current stock price

540.8 EUR
-11 (-1.99%)
Last:

This MUV2.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. MUV2.DE Profitability Analysis

1.1 Basic Checks

  • In the past year MUV2 was profitable.
  • MUV2 had a positive operating cash flow in the past year.
  • Each year in the past 5 years MUV2 has been profitable.
  • In the past 5 years MUV2 always reported a positive cash flow from operatings.
MUV2.DE Yearly Net Income VS EBIT VS OCF VS FCFMUV2.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 2B 4B 6B 8B 10B

1.2 Ratios

  • MUV2's Return On Assets of 2.19% is fine compared to the rest of the industry. MUV2 outperforms 73.68% of its industry peers.
  • With a decent Return On Equity value of 18.40%, MUV2 is doing good in the industry, outperforming 60.53% of the companies in the same industry.
  • The Return On Invested Capital of MUV2 (2.72%) is better than 73.68% of its industry peers.
  • MUV2 had an Average Return On Invested Capital over the past 3 years of 2.14%. This is in line with the industry average of 2.62%.
  • The 3 year average ROIC (2.14%) for MUV2 is below the current ROIC(2.72%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.19%
ROE 18.4%
ROIC 2.72%
ROA(3y)1.95%
ROA(5y)1.75%
ROE(3y)17.11%
ROE(5y)16.09%
ROIC(3y)2.14%
ROIC(5y)1.77%
MUV2.DE Yearly ROA, ROE, ROICMUV2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • MUV2 has a Profit Margin (9.51%) which is in line with its industry peers.
  • MUV2's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 16.27%, MUV2 belongs to the best of the industry, outperforming 81.58% of the companies in the same industry.
  • MUV2's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.27%
PM (TTM) 9.51%
GM N/A
OM growth 3Y17.21%
OM growth 5Y40.98%
PM growth 3Y0.89%
PM growth 5Y38.5%
GM growth 3YN/A
GM growth 5YN/A
MUV2.DE Yearly Profit, Operating, Gross MarginsMUV2.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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4

2. MUV2.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MUV2 is destroying value.
  • The number of shares outstanding for MUV2 has been reduced compared to 1 year ago.
  • The number of shares outstanding for MUV2 has been reduced compared to 5 years ago.
  • Compared to 1 year ago, MUV2 has a worse debt to assets ratio.
MUV2.DE Yearly Shares OutstandingMUV2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
MUV2.DE Yearly Total Debt VS Total AssetsMUV2.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • The Debt to FCF ratio of MUV2 is 1.80, which is an excellent value as it means it would take MUV2, only 1.80 years of fcf income to pay off all of its debts.
  • MUV2's Debt to FCF ratio of 1.80 is fine compared to the rest of the industry. MUV2 outperforms 63.16% of its industry peers.
  • A Debt/Equity ratio of 0.24 indicates that MUV2 is not too dependend on debt financing.
  • The Debt to Equity ratio of MUV2 (0.24) is better than 89.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACC0.38
WACC7.16%
MUV2.DE Yearly LT Debt VS Equity VS FCFMUV2.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MUV2.DE Yearly Current Assets VS Current LiabilitesMUV2.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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4

3. MUV2.DE Growth Analysis

3.1 Past

  • MUV2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.38%, which is quite good.
  • Measured over the past years, MUV2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 40.42% on average per year.
  • Looking at the last year, MUV2 shows a small growth in Revenue. The Revenue has grown by 2.25% in the last year.
  • The Revenue has been decreasing by -0.17% on average over the past years.
EPS 1Y (TTM)10.38%
EPS 3Y24.06%
EPS 5Y40.42%
EPS Q2Q%-2.39%
Revenue 1Y (TTM)2.25%
Revenue growth 3Y3.88%
Revenue growth 5Y-0.17%
Sales Q2Q%-0.46%

3.2 Future

  • MUV2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.85% yearly.
  • Based on estimates for the next years, MUV2 will show a small growth in Revenue. The Revenue will grow by 6.20% on average per year.
EPS Next Y10.65%
EPS Next 2Y7.98%
EPS Next 3Y6.19%
EPS Next 5Y6.85%
Revenue Next Year3.22%
Revenue Next 2Y3.83%
Revenue Next 3Y4.6%
Revenue Next 5Y6.2%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
MUV2.DE Yearly Revenue VS EstimatesMUV2.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B 100B
MUV2.DE Yearly EPS VS EstimatesMUV2.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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6

4. MUV2.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.48, the valuation of MUV2 can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of MUV2 indicates a somewhat cheap valuation: MUV2 is cheaper than 71.05% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of MUV2 to the average of the S&P500 Index (27.35), we can say MUV2 is valued rather cheaply.
  • MUV2 is valuated reasonably with a Price/Forward Earnings ratio of 10.37.
  • MUV2's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MUV2 is cheaper than 63.16% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.23. MUV2 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.48
Fwd PE 10.37
MUV2.DE Price Earnings VS Forward Price EarningsMUV2.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MUV2 is valued cheaply inside the industry as 89.47% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MUV2 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 15.34
EV/EBITDA 6.91
MUV2.DE Per share dataMUV2.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • MUV2's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of MUV2 may justify a higher PE ratio.
PEG (NY)1.08
PEG (5Y)0.28
EPS Next 2Y7.98%
EPS Next 3Y6.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MUV2.DE Dividend Analysis

5.1 Amount

  • MUV2 has a Yearly Dividend Yield of 4.30%, which is a nice return.
  • MUV2's Dividend Yield is slightly below the industry average, which is at 4.46.
  • Compared to an average S&P500 Dividend Yield of 1.82, MUV2 pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.3%

5.2 History

  • The dividend of MUV2 is nicely growing with an annual growth rate of 15.37%!
Dividend Growth(5Y)15.37%
Div Incr Years2
Div Non Decr Years7
MUV2.DE Yearly Dividends per shareMUV2.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15 20

5.3 Sustainability

  • 42.71% of the earnings are spent on dividend by MUV2. This is a bit on the high side, but may be sustainable.
  • The dividend of MUV2 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP42.71%
EPS Next 2Y7.98%
EPS Next 3Y6.19%
MUV2.DE Yearly Income VS Free CF VS DividendMUV2.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
MUV2.DE Dividend Payout.MUV2.DE Dividend Payout, showing the Payout Ratio.MUV2.DE Dividend Payout.PayoutRetained Earnings

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MUV2.DE Fundamentals: All Metrics, Ratios and Statistics

MUENCHENER RUECKVER AG-REG

FRA:MUV2 (4/27/2026, 5:36:15 PM)

540.8

-11 (-1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-12
Inst Owners47.83%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.66B
Revenue(TTM)64.36B
Net Income(TTM)6.12B
Analysts71.11
Price Target603.92 (11.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.3%
Yearly Dividend20.15
Dividend Growth(5Y)15.37%
DP42.71%
Div Incr Years2
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.53%
Min EPS beat(2)-0.55%
Max EPS beat(2)3.6%
EPS beat(4)3
Avg EPS beat(4)5.25%
Min EPS beat(4)-0.55%
Max EPS beat(4)17.54%
EPS beat(8)6
Avg EPS beat(8)3.96%
EPS beat(12)7
Avg EPS beat(12)1.17%
EPS beat(16)10
Avg EPS beat(16)25.28%
Revenue beat(2)0
Avg Revenue beat(2)-8.86%
Min Revenue beat(2)-11.41%
Max Revenue beat(2)-6.32%
Revenue beat(4)0
Avg Revenue beat(4)-8.14%
Min Revenue beat(4)-11.41%
Max Revenue beat(4)-5.4%
Revenue beat(8)1
Avg Revenue beat(8)-6.67%
Revenue beat(12)1
Avg Revenue beat(12)-7.52%
Revenue beat(16)4
Avg Revenue beat(16)-3.44%
PT rev (1m)-0.54%
PT rev (3m)-1.12%
EPS NQ rev (1m)9.9%
EPS NQ rev (3m)9.33%
EPS NY rev (1m)0.04%
EPS NY rev (3m)-0.54%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)-1.52%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)-0.64%
Valuation
Industry RankSector Rank
PE 11.48
Fwd PE 10.37
P/S 1.1
P/FCF 15.34
P/OCF 14.4
P/B 2.13
P/tB 2.59
EV/EBITDA 6.91
EPS(TTM)47.12
EY8.71%
EPS(NY)52.14
Fwd EY9.64%
FCF(TTM)35.25
FCFY6.52%
OCF(TTM)37.55
OCFY6.94%
SpS492.64
BVpS254.48
TBVpS208.99
PEG (NY)1.08
PEG (5Y)0.28
Graham Number519.424 (-3.95%)
Profitability
Industry RankSector Rank
ROA 2.19%
ROE 18.4%
ROCE 3.78%
ROIC 2.72%
ROICexc 2.78%
ROICexgc 3.06%
OM 16.27%
PM (TTM) 9.51%
GM N/A
FCFM 7.16%
ROA(3y)1.95%
ROA(5y)1.75%
ROE(3y)17.11%
ROE(5y)16.09%
ROIC(3y)2.14%
ROIC(5y)1.77%
ROICexc(3y)2.18%
ROICexc(5y)1.81%
ROICexgc(3y)2.39%
ROICexgc(5y)1.99%
ROCE(3y)2.97%
ROCE(5y)2.46%
ROICexgc growth 3Y19.02%
ROICexgc growth 5Y42.28%
ROICexc growth 3Y18.96%
ROICexc growth 5Y42.5%
OM growth 3Y17.21%
OM growth 5Y40.98%
PM growth 3Y0.89%
PM growth 5Y38.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.8
Debt/EBITDA 0.73
Cap/Depr 83.57%
Cap/Sales 0.47%
Interest Coverage 26.12
Cash Conversion 45.29%
Profit Quality 75.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.16%
ROIC/WACC0.38
Cap/Depr(3y)92.33%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.52%
Cap/Sales(5y)N/A
Profit Quality(3y)57.52%
Profit Quality(5y)83.78%
High Growth Momentum
Growth
EPS 1Y (TTM)10.38%
EPS 3Y24.06%
EPS 5Y40.42%
EPS Q2Q%-2.39%
EPS Next Y10.65%
EPS Next 2Y7.98%
EPS Next 3Y6.19%
EPS Next 5Y6.85%
Revenue 1Y (TTM)2.25%
Revenue growth 3Y3.88%
Revenue growth 5Y-0.17%
Sales Q2Q%-0.46%
Revenue Next Year3.22%
Revenue Next 2Y3.83%
Revenue Next 3Y4.6%
Revenue Next 5Y6.2%
EBIT growth 1Y32.4%
EBIT growth 3Y21.76%
EBIT growth 5Y40.74%
EBIT Next Year-2.25%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y62.93%
FCF growth 3Y8.33%
FCF growth 5Y-8.6%
OCF growth 1Y56.09%
OCF growth 3Y7.29%
OCF growth 5Y-7.43%

MUENCHENER RUECKVER AG-REG / MUV2.DE Fundamental Analysis FAQ

What is the fundamental rating for MUV2 stock?

ChartMill assigns a fundamental rating of 5 / 10 to MUV2.DE.


What is the valuation status of MUENCHENER RUECKVER AG-REG (MUV2.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to MUENCHENER RUECKVER AG-REG (MUV2.DE). This can be considered as Fairly Valued.


How profitable is MUENCHENER RUECKVER AG-REG (MUV2.DE) stock?

MUENCHENER RUECKVER AG-REG (MUV2.DE) has a profitability rating of 7 / 10.


How financially healthy is MUENCHENER RUECKVER AG-REG?

The financial health rating of MUENCHENER RUECKVER AG-REG (MUV2.DE) is 4 / 10.


What is the expected EPS growth for MUENCHENER RUECKVER AG-REG (MUV2.DE) stock?

The Earnings per Share (EPS) of MUENCHENER RUECKVER AG-REG (MUV2.DE) is expected to grow by 10.65% in the next year.