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

FRA:MUV2 • DE0008430026

Current stock price

551.1 EUR
+6.1 (+1.12%)
Last:

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

5

1. MUV2.DE Profitability Analysis

1.1 Basic Checks

  • In the past year MUV2 was profitable.
  • In the past year MUV2 had a positive cash flow from operations.
  • MUV2 had positive earnings in 4 of the past 5 years.
  • MUV2 had a positive operating cash flow in 4 of the past 5 years.
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 2B 4B 6B 8B

1.2 Ratios

  • The Return On Assets of MUV2 (1.85%) is better than 64.29% of its industry peers.
  • MUV2's Return On Equity of 16.65% is in line compared to the rest of the industry. MUV2 outperforms 57.14% of its industry peers.
  • With a decent Return On Invested Capital value of 2.38%, MUV2 is doing good in the industry, outperforming 61.90% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for MUV2 is in line with the industry average of 3.02%.
  • The 3 year average ROIC (1.93%) for MUV2 is below the current ROIC(2.38%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.85%
ROE 16.65%
ROIC 2.38%
ROA(3y)1.88%
ROA(5y)1.4%
ROE(3y)17.52%
ROE(5y)13.23%
ROIC(3y)1.93%
ROIC(5y)1.43%
MUV2.DE Yearly ROA, ROE, ROICMUV2.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • MUV2 has a Profit Margin (7.98%) which is in line with its industry peers.
  • MUV2's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 13.04%, MUV2 is in line with its industry, outperforming 54.76% of the companies in the same industry.
  • In the last couple of years the Operating Margin of MUV2 has grown nicely.
Industry RankSector Rank
OM 13.04%
PM (TTM) 7.98%
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
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 2 4 6 8 10

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3

2. MUV2.DE Health Analysis

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.
  • There is no outstanding debt for MUV2. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MUV2.DE Yearly Shares OutstandingMUV2.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B

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.
  • MUV2 has a Debt to FCF ratio of 1.53. This is in the better half of the industry: MUV2 outperforms 66.67% of its industry peers.
  • MUV2 has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.23, MUV2 belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.53
Altman-Z N/A
ROIC/WACC0.34
WACC7.08%
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 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 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.
  • The Earnings Per Share has been growing by 40.42% on average over the past years. This is a very strong growth
EPS 1Y (TTM)10.38%
EPS 3Y24.06%
EPS 5Y40.42%
EPS Q2Q%-2.39%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.46%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.86% on average over the next years.
  • Based on estimates for the next years, MUV2 will show a quite strong growth in Revenue. The Revenue will grow by 8.34% on average per year.
EPS Next Y10.6%
EPS Next 2Y9.9%
EPS Next 3Y6.05%
EPS Next 5Y4.86%
Revenue Next Year1.87%
Revenue Next 2Y3.08%
Revenue Next 3Y3.99%
Revenue Next 5Y8.34%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • With a Price/Earnings ratio of 11.70, the valuation of MUV2 can be described as very reasonable.
  • 66.67% of the companies in the same industry are more expensive than MUV2, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of MUV2 to the average of the S&P500 Index (26.21), we can say MUV2 is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.57, which indicates a very decent valuation of MUV2.
  • MUV2's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MUV2 is cheaper than 61.90% of the companies in the same industry.
  • MUV2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
Industry RankSector Rank
PE 11.7
Fwd PE 10.57
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 cheaper than 80.95% of the companies in the same industry.
  • MUV2's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.36
EV/EBITDA 8.49
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.
PEG (NY)1.1
PEG (5Y)0.29
EPS Next 2Y9.9%
EPS Next 3Y6.05%

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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 4.59%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.54, 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 1.89.
Industry RankSector Rank
Dividend Yield 4.59%

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 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

  • MUV2 pays out 51.33% of its income as dividend. 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.
DP51.33%
EPS Next 2Y9.9%
EPS Next 3Y6.05%
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 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 (4/7/2026, 1:43:15 PM)

551.1

+6.1 (+1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)05-12
Inst Owners47.66%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap72.00B
Revenue(TTM)N/A
Net Income(TTM)5.09B
Analysts71.11
Price Target603.92 (9.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.59%
Yearly Dividend15.08
Dividend Growth(5Y)10.15%
DP51.33%
Div Incr Years2
Div Non Decr Years7
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)-0.54%
PT rev (3m)-0.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.02%
Valuation
Industry RankSector Rank
PE 11.7
Fwd PE 10.57
P/S 1.13
P/FCF 15.36
P/OCF 14.39
P/B 2.35
P/tB 2.71
EV/EBITDA 8.49
EPS(TTM)47.12
EY8.55%
EPS(NY)52.12
Fwd EY9.46%
FCF(TTM)35.88
FCFY6.51%
OCF(TTM)38.29
OCFY6.95%
SpS488.5
BVpS234.08
TBVpS203.29
PEG (NY)1.1
PEG (5Y)0.29
Graham Number498.17
Profitability
Industry RankSector Rank
ROA 1.85%
ROE 16.65%
ROCE 3.05%
ROIC 2.38%
ROICexc 2.43%
ROICexgc 2.66%
OM 13.04%
PM (TTM) 7.98%
GM N/A
FCFM 7.35%
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 RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.53
Debt/EBITDA 0.83
Cap/Depr 112.9%
Cap/Sales 0.49%
Interest Coverage 250
Cash Conversion 58.15%
Profit Quality 92.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.08%
ROIC/WACC0.34
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)10.38%
EPS 3Y24.06%
EPS 5Y40.42%
EPS Q2Q%-2.39%
EPS Next Y10.6%
EPS Next 2Y9.9%
EPS Next 3Y6.05%
EPS Next 5Y4.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.46%
Revenue Next Year1.87%
Revenue Next 2Y3.08%
Revenue Next 3Y3.99%
Revenue Next 5Y8.34%
EBIT growth 1Y6.04%
EBIT growth 3Y32.46%
EBIT growth 5Y18.79%
EBIT Next Year16.49%
EBIT Next 3Y5.92%
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 Fundamental Analysis FAQ

What is the fundamental rating for MUV2 stock?

ChartMill assigns a fundamental rating of 4 / 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 5 / 10.


How financially healthy is MUENCHENER RUECKVER AG-REG?

The financial health rating of MUENCHENER RUECKVER AG-REG (MUV2.DE) is 3 / 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 10.6% in the next year.