MUENCHENER RUECKVER AG-REG (MUV2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MUV2 - DE0008430026 - Common Stock
560.8 EUR
-1.6 (-0.28%)
We assign a fundamental rating of 5 out of 10 to MUV2. MUV2 was compared to 47 industry peers in the Insurance industry. MUV2 has an average financial health and profitability rating. MUV2 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MUV2 had positive earnings in the past year.
MUV2 had a positive operating cash flow in the past year.
MUV2 had positive earnings in each of the past 5 years.
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 74.47% of its industry peers.
Looking at the Return On Equity, with a value of 18.59%, MUV2 is in the better half of the industry, outperforming 76.60% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.27%, MUV2 is in the better half of the industry, outperforming 65.96% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MUV2 is in line with the industry average of 2.63%.
The last Return On Invested Capital (2.27%) for MUV2 is above the 3 year average (1.93%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 9.15%, MUV2 is in line with its industry, outperforming 55.32% of the companies in the same industry.
MUV2's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 12.77%, MUV2 is doing good in the industry, outperforming 63.83% of the companies in the same industry.
MUV2's Operating Margin has improved in the last couple of years.
| 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
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.
MUV2 has less shares outstanding than it did 5 years ago.
MUV2 has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MUV2 is 1.53, which is an excellent value as it means it would take MUV2, only 1.53 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.53, MUV2 is doing good in the industry, outperforming 63.83% 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's Debt to Equity ratio of 0.23 is amongst the best of the industry. MUV2 outperforms 91.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.53 | ||
| Altman-Z | N/A |
ROIC/WACC0.33
WACC6.95%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.88% over the past year.
Measured over the past years, MUV2 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.67% on average per year.
MUV2 shows a small growth in Revenue. In the last year, the Revenue has grown by 5.38%.
Measured over the past years, MUV2 shows a decrease in Revenue. The Revenue has been decreasing by -0.60% on average per year.
EPS 1Y (TTM)10.88%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%120.51%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%-22.27%
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 5.04% on average per year.
MUV2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.02% yearly.
EPS Next Y16.56%
EPS Next 2Y10.49%
EPS Next 3Y8.89%
EPS Next 5Y5.04%
Revenue Next Year-3.8%
Revenue Next 2Y-0.54%
Revenue Next 3Y1.1%
Revenue Next 5Y6.02%
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
A Price/Earnings ratio of 11.86 indicates a reasonable valuation of MUV2.
MUV2's Price/Earnings ratio is a bit cheaper when compared to the industry. MUV2 is cheaper than 70.21% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, MUV2 is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.76, the valuation of MUV2 can be described as very reasonable.
MUV2's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of MUV2 to the average of the S&P500 Index (23.46), we can say MUV2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.76 |
4.2 Price Multiples
68.09% of the companies in the same industry are more expensive than MUV2, based on the Enterprise Value to EBITDA ratio.
MUV2's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.63 | ||
| EV/EBITDA | 9.17 |
4.3 Compensation for Growth
MUV2's 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)0.72
PEG (5Y)0.67
EPS Next 2Y10.49%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
MUV2 has a Yearly Dividend Yield of 3.56%.
Compared to an average industry Dividend Yield of 3.90, MUV2 has a dividend in line with its industry peers.
MUV2's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
5.2 History
The dividend of MUV2 is nicely growing with an annual growth rate of 10.15%!
Dividend Growth(5Y)10.15%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
45.96% 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.
DP45.96%
EPS Next 2Y10.49%
EPS Next 3Y8.89%
FRA:MUV2 (12/29/2025, 5:35:15 PM)
560.8
-1.6 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap73.27B
Revenue(TTM)62.13B
Net Income(TTM)5.68B
Analysts70.83
Price Target609.2 (8.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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)2.25%
PT rev (3m)4.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.39%
EPS NY rev (1m)-1.31%
EPS NY rev (3m)2.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)-0.61%
Revenue NY rev (3m)-1.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.76 | ||
| P/S | 1.18 | ||
| P/FCF | 15.63 | ||
| P/OCF | 14.64 | ||
| P/B | 2.4 | ||
| P/tB | 2.76 | ||
| EV/EBITDA | 9.17 |
EPS(TTM)47.3
EY8.43%
EPS(NY)52.12
Fwd EY9.29%
FCF(TTM)35.88
FCFY6.4%
OCF(TTM)38.29
OCFY6.83%
SpS475.53
BVpS234.08
TBVpS203.29
PEG (NY)0.72
PEG (5Y)0.67
Graham Number499.12
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
WACC6.95%
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)10.88%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%120.51%
EPS Next Y16.56%
EPS Next 2Y10.49%
EPS Next 3Y8.89%
EPS Next 5Y5.04%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%-22.27%
Revenue Next Year-3.8%
Revenue Next 2Y-0.54%
Revenue Next 3Y1.1%
Revenue Next 5Y6.02%
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 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 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 16.56% in the next year.
Can you provide the dividend sustainability for MUV2 stock?
The dividend rating of MUENCHENER RUECKVER AG-REG (MUV2.DE) is 5 / 10 and the dividend payout ratio is 45.96%.