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MUENCHENER RUECKVER AG-REG (1MUV2.MI) Stock Fundamental Analysis

BIT:1MUV2 - Euronext Milan - DE0008430026 - Common Stock - Currency: EUR

568  -37.4 (-6.18%)

Fundamental Rating

4

1MUV2 gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. While 1MUV2 is still in line with the averages on profitability rating, there are concerns on its financial health. 1MUV2 has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year 1MUV2 was profitable.
1MUV2 had a positive operating cash flow in the past year.
In the past 5 years 1MUV2 has always been profitable.
1MUV2 had a positive operating cash flow in each of the past 5 years.
1MUV2.MI Yearly Net Income VS EBIT VS OCF VS FCF1MUV2.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

1MUV2 has a better Return On Assets (1.98%) than 78.95% of its industry peers.
1MUV2 has a Return On Equity of 17.42%. This is in the better half of the industry: 1MUV2 outperforms 78.95% of its industry peers.
1MUV2 has a better Return On Invested Capital (2.18%) than 71.05% of its industry peers.
1MUV2 had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 2.05%.
The last Return On Invested Capital (2.18%) for 1MUV2 is above the 3 year average (1.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.98%
ROE 17.42%
ROIC 2.18%
ROA(3y)1.88%
ROA(5y)1.4%
ROE(3y)17.52%
ROE(5y)13.23%
ROIC(3y)1.93%
ROIC(5y)1.43%
1MUV2.MI Yearly ROA, ROE, ROIC1MUV2.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

1MUV2 has a Profit Margin of 9.03%. This is comparable to the rest of the industry: 1MUV2 outperforms 55.26% of its industry peers.
In the last couple of years the Profit Margin of 1MUV2 has grown nicely.
With a decent Operating Margin value of 12.57%, 1MUV2 is doing good in the industry, outperforming 68.42% of the companies in the same industry.
In the last couple of years the Operating Margin of 1MUV2 has grown nicely.
Industry RankSector Rank
OM 12.57%
PM (TTM) 9.03%
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
1MUV2.MI Yearly Profit, Operating, Gross Margins1MUV2.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1MUV2 is destroying value.
Compared to 1 year ago, 1MUV2 has less shares outstanding
Compared to 5 years ago, 1MUV2 has less shares outstanding
The debt/assets ratio for 1MUV2 is higher compared to a year ago.
1MUV2.MI Yearly Shares Outstanding1MUV2.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
1MUV2.MI Yearly Total Debt VS Total Assets1MUV2.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

The Debt to FCF ratio of 1MUV2 is 2.61, which is a good value as it means it would take 1MUV2, 2.61 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.61, 1MUV2 perfoms like the industry average, outperforming 57.89% of the companies in the same industry.
1MUV2 has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
1MUV2 has a Debt to Equity ratio of 0.21. This is amongst the best in the industry. 1MUV2 outperforms 89.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.61
Altman-Z N/A
ROIC/WACC0.32
WACC6.83%
1MUV2.MI Yearly LT Debt VS Equity VS FCF1MUV2.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
1MUV2.MI Yearly Current Assets VS Current Liabilites1MUV2.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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3

3. Growth

3.1 Past

1MUV2 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.49%.
Measured over the past years, 1MUV2 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.67% on average per year.
The Revenue has been growing slightly by 5.38% in the past year.
Measured over the past years, 1MUV2 shows a decrease in Revenue. The Revenue has been decreasing by -0.60% on average per year.
EPS 1Y (TTM)-13.49%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%-47.74%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%4.98%

3.2 Future

The Earnings Per Share is expected to grow by 3.47% on average over the next years.
1MUV2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.26% yearly.
EPS Next Y10.82%
EPS Next 2Y9.3%
EPS Next 3Y8.16%
EPS Next 5Y3.47%
Revenue Next Year4.31%
Revenue Next 2Y4.39%
Revenue Next 3Y4.63%
Revenue Next 5Y6.26%

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.
1MUV2.MI Yearly Revenue VS Estimates1MUV2.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
1MUV2.MI Yearly EPS VS Estimates1MUV2.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30 40 50

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.20, 1MUV2 is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as 1MUV2.
Compared to an average S&P500 Price/Earnings ratio of 26.43, 1MUV2 is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.14, the valuation of 1MUV2 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1MUV2 is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, 1MUV2 is valued a bit cheaper.
Industry RankSector Rank
PE 16.2
Fwd PE 11.14
1MUV2.MI Price Earnings VS Forward Price Earnings1MUV2.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

1MUV2's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1MUV2 is cheaper than 73.68% of the companies in the same industry.
1MUV2's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. 1MUV2 is more expensive than 73.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 26.25
EV/EBITDA 9.11
1MUV2.MI Per share data1MUV2.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

1MUV2's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of 1MUV2 may justify a higher PE ratio.
PEG (NY)1.5
PEG (5Y)0.92
EPS Next 2Y9.3%
EPS Next 3Y8.16%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.43%, 1MUV2 has a reasonable but not impressive dividend return.
1MUV2's Dividend Yield is slightly below the industry average, which is at 4.54.
1MUV2's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.43%

5.2 History

On average, the dividend of 1MUV2 grows each year by 10.15%, which is quite nice.
Dividend Growth(5Y)10.15%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

35.29% of the earnings are spent on dividend by 1MUV2. This is a low number and sustainable payout ratio.
The dividend of 1MUV2 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.29%
EPS Next 2Y9.3%
EPS Next 3Y8.16%
1MUV2.MI Yearly Income VS Free CF VS Dividend1MUV2.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
1MUV2.MI Dividend Payout.1MUV2.MI Dividend Payout, showing the Payout Ratio.1MUV2.MI Dividend Payout.PayoutRetained Earnings

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MUENCHENER RUECKVER AG-REG

BIT:1MUV2 (5/16/2025, 7:00:00 PM)

568

-37.4 (-6.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-13 2025-05-13/bmo
Earnings (Next)08-08 2025-08-08
Inst Owners47.07%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap74.21B
Analysts71.2
Price Target580.93 (2.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
Yearly Dividend15.08
Dividend Growth(5Y)10.15%
DP35.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.85%
Min EPS beat(2)-19.89%
Max EPS beat(2)0.18%
EPS beat(4)3
Avg EPS beat(4)2.66%
Min EPS beat(4)-19.89%
Max EPS beat(4)24.09%
EPS beat(8)4
Avg EPS beat(8)-0.87%
EPS beat(12)7
Avg EPS beat(12)31.96%
EPS beat(16)10
Avg EPS beat(16)33.08%
Revenue beat(2)1
Avg Revenue beat(2)2.2%
Min Revenue beat(2)-12.05%
Max Revenue beat(2)16.46%
Revenue beat(4)1
Avg Revenue beat(4)-5.19%
Min Revenue beat(4)-16.12%
Max Revenue beat(4)16.46%
Revenue beat(8)1
Avg Revenue beat(8)-6.67%
Revenue beat(12)4
Avg Revenue beat(12)-1.51%
Revenue beat(16)8
Avg Revenue beat(16)3.34%
PT rev (1m)0.53%
PT rev (3m)7.8%
EPS NQ rev (1m)-2.91%
EPS NQ rev (3m)-36.98%
EPS NY rev (1m)0%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)-6.72%
Revenue NQ rev (3m)-5.8%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)2.81%
Valuation
Industry RankSector Rank
PE 16.2
Fwd PE 11.14
P/S 1.18
P/FCF 26.25
P/OCF 23.61
P/B 2.27
P/tB 2.62
EV/EBITDA 9.11
EPS(TTM)35.07
EY6.17%
EPS(NY)51
Fwd EY8.98%
FCF(TTM)21.64
FCFY3.81%
OCF(TTM)24.06
OCFY4.24%
SpS481.79
BVpS249.84
TBVpS216.66
PEG (NY)1.5
PEG (5Y)0.92
Profitability
Industry RankSector Rank
ROA 1.98%
ROE 17.42%
ROCE 2.79%
ROIC 2.18%
ROICexc 2.22%
ROICexgc 2.43%
OM 12.57%
PM (TTM) 9.03%
GM N/A
FCFM 4.49%
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%
ROICexcg growth 3Y35.26%
ROICexcg 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-Score7
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.61
Debt/EBITDA 0.84
Cap/Depr 84.27%
Cap/Sales 0.5%
Interest Coverage 27.66
Cash Conversion 37.94%
Profit Quality 49.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.83%
ROIC/WACC0.32
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)-13.49%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%-47.74%
EPS Next Y10.82%
EPS Next 2Y9.3%
EPS Next 3Y8.16%
EPS Next 5Y3.47%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y-3.95%
Revenue growth 5Y-0.6%
Sales Q2Q%4.98%
Revenue Next Year4.31%
Revenue Next 2Y4.39%
Revenue Next 3Y4.63%
Revenue Next 5Y6.26%
EBIT growth 1Y27.83%
EBIT growth 3Y32.46%
EBIT growth 5Y18.79%
EBIT Next Year11.84%
EBIT Next 3Y7.02%
EBIT Next 5YN/A
FCF growth 1Y28.68%
FCF growth 3Y-18.52%
FCF growth 5Y-21.52%
OCF growth 1Y23.59%
OCF growth 3Y-15.59%
OCF growth 5Y-19.83%