MUENCHENER RUECKVER AG-REG (MUV2.DE) Stock Fundamental Analysis
Europe - FRA:MUV2 - DE0008430026 - Common Stock
532.6 EUR
+1.2 (+0.23%)
We assign a fundamental rating of 5 out of 10 to MUV2. MUV2 was compared to 40 industry peers in the Insurance industry. MUV2 has an average financial health and profitability rating. MUV2 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MUV2 had positive earnings in the past year.
In the past year MUV2 had a positive cash flow from operations.
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.
1.2 Ratios
MUV2 has a Return On Assets of 2.06%. This is in the better half of the industry: MUV2 outperforms 80.00% of its industry peers.
MUV2 has a better Return On Equity (18.59%) than 82.50% of its industry peers.
MUV2 has a Return On Invested Capital of 2.27%. This is in the better half of the industry: MUV2 outperforms 67.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for MUV2 is in line with the industry average of 2.35%.
The 3 year average ROIC (1.93%) for MUV2 is below the current ROIC(2.27%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.06% | ||
| ROE | 18.59% | ||
| ROIC | 2.27% |
ROA(3y)1.88%
ROA(5y)1.4%
ROE(3y)17.52%
ROE(5y)13.23%
ROIC(3y)1.93%
ROIC(5y)1.43%
1.3 Margins
MUV2's Profit Margin of 9.15% is in line compared to the rest of the industry. MUV2 outperforms 55.00% of its industry peers.
MUV2's Profit Margin has improved in the last couple of years.
MUV2's Operating Margin of 12.77% is in line compared to the rest of the industry. MUV2 outperforms 60.00% of its industry peers.
In the last couple of years the Operating Margin of MUV2 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.77% | ||
| PM (TTM) | 9.15% | ||
| GM | N/A |
OM growth 3Y37.9%
OM growth 5Y19.51%
PM growth 3Y29.8%
PM growth 5Y16.55%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MUV2 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
MUV2 has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MUV2 has less shares outstanding
MUV2 has a worse debt/assets ratio than last year.
2.2 Solvency
MUV2 has a debt to FCF ratio of 1.53. This is a very positive value and a sign of high solvency as it would only need 1.53 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.53, MUV2 is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
A Debt/Equity ratio of 0.23 indicates that MUV2 is not too dependend on debt financing.
MUV2 has a better Debt to Equity ratio (0.23) than 90.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.53 | ||
| Altman-Z | N/A |
ROIC/WACC0.33
WACC6.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MUV2 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.68%.
MUV2 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.67% yearly.
Looking at the last year, MUV2 shows a small growth in Revenue. The Revenue has grown by 5.38% in the last year.
MUV2 shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.60% yearly.
EPS 1Y (TTM)-24.68%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%-95.57%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%-21.49%
3.2 Future
Based on estimates for the next years, MUV2 will show a small growth in Earnings Per Share. The EPS will grow by 5.25% on average per year.
MUV2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.24% yearly.
EPS Next Y18.1%
EPS Next 2Y10.13%
EPS Next 3Y8.51%
EPS Next 5Y5.25%
Revenue Next Year-3.21%
Revenue Next 2Y-0.09%
Revenue Next 3Y1.42%
Revenue Next 5Y6.24%
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.
4. Valuation
4.1 Price/Earnings Ratio
MUV2 is valuated correctly with a Price/Earnings ratio of 16.58.
Compared to the rest of the industry, the Price/Earnings ratio of MUV2 indicates a slightly more expensive valuation: MUV2 is more expensive than 60.00% of the companies listed in the same industry.
MUV2's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.47.
With a Price/Forward Earnings ratio of 10.29, the valuation of MUV2 can be described as very reasonable.
MUV2's Price/Forward Earnings ratio is in line with the industry average.
MUV2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.58 | ||
| Fwd PE | 10.29 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MUV2 is valued a bit cheaper than 67.50% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.84 | ||
| EV/EBITDA | 8.68 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of MUV2 may justify a higher PE ratio.
PEG (NY)0.92
PEG (5Y)0.94
EPS Next 2Y10.13%
EPS Next 3Y8.51%
5. Dividend
5.1 Amount
MUV2 has a Yearly Dividend Yield of 3.60%.
Compared to an average industry Dividend Yield of 4.50, MUV2 is paying slightly less dividend.
MUV2's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
5.2 History
On average, the dividend of MUV2 grows each year by 10.15%, which is quite nice.
Dividend Growth(5Y)10.15%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
MUV2 pays out 45.96% of its income as dividend. This is a bit on the high side, but may be sustainable.
MUV2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP45.96%
EPS Next 2Y10.13%
EPS Next 3Y8.51%
FRA:MUV2 (11/20/2025, 11:55:59 AM)
532.6
+1.2 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.7%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap69.58B
Revenue(TTM)62.13B
Net Income(TTM)5.68B
Analysts70
Price Target590.85 (10.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
Yearly Dividend15.08
Dividend Growth(5Y)10.15%
DP45.96%
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.98%
Min EPS beat(2)0.41%
Max EPS beat(2)17.54%
EPS beat(4)3
Avg EPS beat(4)-0.44%
Min EPS beat(4)-19.89%
Max EPS beat(4)17.54%
EPS beat(8)6
Avg EPS beat(8)3.52%
EPS beat(12)8
Avg EPS beat(12)32.92%
EPS beat(16)10
Avg EPS beat(16)27.6%
Revenue beat(2)0
Avg Revenue beat(2)-7.42%
Min Revenue beat(2)-9.44%
Max Revenue beat(2)-5.4%
Revenue beat(4)1
Avg Revenue beat(4)-2.61%
Min Revenue beat(4)-12.05%
Max Revenue beat(4)16.46%
Revenue beat(8)1
Avg Revenue beat(8)-6.88%
Revenue beat(12)3
Avg Revenue beat(12)-3.43%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)1.62%
PT rev (3m)0.58%
EPS NQ rev (1m)7.97%
EPS NQ rev (3m)10.49%
EPS NY rev (1m)3.64%
EPS NY rev (3m)6.58%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.44%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-2.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.58 | ||
| Fwd PE | 10.29 | ||
| P/S | 1.12 | ||
| P/FCF | 14.84 | ||
| P/OCF | 13.91 | ||
| P/B | 2.28 | ||
| P/tB | 2.62 | ||
| EV/EBITDA | 8.68 |
EPS(TTM)32.13
EY6.03%
EPS(NY)51.78
Fwd EY9.72%
FCF(TTM)35.88
FCFY6.74%
OCF(TTM)38.29
OCFY7.19%
SpS475.53
BVpS234.08
TBVpS203.29
PEG (NY)0.92
PEG (5Y)0.94
Graham Number411.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.06% | ||
| ROE | 18.59% | ||
| ROCE | 2.91% | ||
| ROIC | 2.27% | ||
| ROICexc | 2.31% | ||
| ROICexgc | 2.53% | ||
| OM | 12.77% | ||
| PM (TTM) | 9.15% | ||
| GM | N/A | ||
| FCFM | 7.55% |
ROA(3y)1.88%
ROA(5y)1.4%
ROE(3y)17.52%
ROE(5y)13.23%
ROIC(3y)1.93%
ROIC(5y)1.43%
ROICexc(3y)1.97%
ROICexc(5y)1.47%
ROICexgc(3y)2.15%
ROICexgc(5y)1.61%
ROCE(3y)2.47%
ROCE(5y)1.84%
ROICexgc growth 3Y35.26%
ROICexgc growth 5Y18.43%
ROICexc growth 3Y36.23%
ROICexc growth 5Y18.77%
OM growth 3Y37.9%
OM growth 5Y19.51%
PM growth 3Y29.8%
PM growth 5Y16.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.53 | ||
| Debt/EBITDA | 0.87 | ||
| Cap/Depr | 112.9% | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 60.92% | ||
| Profit Quality | 82.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.97%
ROIC/WACC0.33
Cap/Depr(3y)68.52%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.57%
Cap/Sales(5y)N/A
Profit Quality(3y)55.2%
Profit Quality(5y)187.98%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.68%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%-95.57%
EPS Next Y18.1%
EPS Next 2Y10.13%
EPS Next 3Y8.51%
EPS Next 5Y5.25%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%-21.49%
Revenue Next Year-3.21%
Revenue Next 2Y-0.09%
Revenue Next 3Y1.42%
Revenue Next 5Y6.24%
EBIT growth 1Y31.75%
EBIT growth 3Y32.46%
EBIT growth 5Y18.79%
EBIT Next Year9.77%
EBIT Next 3Y6.44%
EBIT Next 5YN/A
FCF growth 1Y61.54%
FCF growth 3Y-18.52%
FCF growth 5Y-21.52%
OCF growth 1Y50.11%
OCF growth 3Y-15.59%
OCF growth 5Y-19.83%
MUENCHENER RUECKVER AG-REG / MUV2.DE FAQ
What is the fundamental rating for MUV2 stock?
ChartMill assigns a fundamental rating of 5 / 10 to MUV2.DE.
Can you provide the valuation status for MUENCHENER RUECKVER AG-REG?
ChartMill assigns a valuation rating of 5 / 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 6 / 10.
What is the earnings growth outlook for MUENCHENER RUECKVER AG-REG?
The Earnings per Share (EPS) of MUENCHENER RUECKVER AG-REG (MUV2.DE) is expected to grow by 18.1% in the next year.
Can you provide the dividend sustainability for MUV2 stock?
The dividend rating of MUENCHENER RUECKVER AG-REG (MUV2.DE) is 4 / 10 and the dividend payout ratio is 45.96%.