MUENCHENER RUECKVER AG-REG (1MUV2.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MUV2 - DE0008430026 - Common Stock
526 EUR
+1.2 (+0.23%)
1MUV2 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. 1MUV2 has an average financial health and profitability rating. 1MUV2 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year 1MUV2 was profitable.
- In the past year 1MUV2 had a positive cash flow from operations.
- In the past 5 years 1MUV2 has always been profitable.
- 1MUV2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of 1MUV2 (2.06%) is better than 68.75% of its industry peers.
- 1MUV2's Return On Equity of 18.59% is fine compared to the rest of the industry. 1MUV2 outperforms 68.75% of its industry peers.
- 1MUV2 has a Return On Invested Capital of 2.27%. This is in the better half of the industry: 1MUV2 outperforms 66.67% 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 2.70%.
- The 3 year average ROIC (1.93%) for 1MUV2 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
- 1MUV2 has a Profit Margin (9.15%) which is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of 1MUV2 has grown nicely.
- The Operating Margin of 1MUV2 (12.77%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of 1MUV2 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
- 1MUV2 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for 1MUV2 has been reduced compared to 1 year ago.
- Compared to 5 years ago, 1MUV2 has less shares outstanding
- Compared to 1 year ago, 1MUV2 has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of 1MUV2 is 1.53, which is an excellent value as it means it would take 1MUV2, only 1.53 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of 1MUV2 (1.53) is better than 66.67% of its industry peers.
- A Debt/Equity ratio of 0.23 indicates that 1MUV2 is not too dependend on debt financing.
- The Debt to Equity ratio of 1MUV2 (0.23) is better than 89.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.53 | ||
| Altman-Z | N/A |
ROIC/WACC0.32
WACC7.07%
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.
- 1MUV2 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.67% yearly.
- 1MUV2 shows a small growth in Revenue. In the last year, the Revenue has grown by 5.38%.
- 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)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, 1MUV2 will show a small growth in Earnings Per Share. The EPS will grow by 5.04% on average per year.
- Based on estimates for the next years, 1MUV2 will show a small growth in Revenue. The Revenue will grow by 6.02% on average per year.
EPS Next Y15.98%
EPS Next 2Y9.98%
EPS Next 3Y8.57%
EPS Next 5Y5.04%
Revenue Next Year-4.05%
Revenue Next 2Y-0.62%
Revenue Next 3Y1%
Revenue Next 5Y6.02%
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.
- 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
- The Price/Earnings ratio is 11.12, which indicates a very decent valuation of 1MUV2.
- Based on the Price/Earnings ratio, 1MUV2 is valued a bit cheaper than the industry average as 72.92% of the companies are valued more expensively.
- 1MUV2 is valuated cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- 1MUV2 is valuated reasonably with a Price/Forward Earnings ratio of 10.19.
- Based on the Price/Forward Earnings ratio, 1MUV2 is valued a bit cheaper than the industry average as 60.42% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of 1MUV2 to the average of the S&P500 Index (24.32), we can say 1MUV2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.12 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
- 1MUV2's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1MUV2 is cheaper than 72.92% of the companies in the same industry.
- 1MUV2's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.66 | ||
| EV/EBITDA | 8.59 |
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.
- 1MUV2 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.7
PEG (5Y)0.63
EPS Next 2Y9.98%
EPS Next 3Y8.57%
5. Dividend
5.1 Amount
- 1MUV2 has a Yearly Dividend Yield of 3.58%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 4.19, 1MUV2 is paying slightly less dividend.
- 1MUV2's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
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
- 45.96% of the earnings are spent on dividend by 1MUV2. This is a bit on the high side, but may be sustainable.
- 1MUV2's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP45.96%
EPS Next 2Y9.98%
EPS Next 3Y8.57%
BIT:1MUV2 (1/14/2026, 7:00:00 PM)
526
+1.2 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-11 2025-11-11/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners48%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap68.72B
Revenue(TTM)62.13B
Net Income(TTM)5.68B
Analysts70.83
Price Target602.82 (14.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
Yearly Dividend15.08
Dividend Growth(5Y)10.15%
DP45.96%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)-6.89%
Revenue beat(12)3
Avg Revenue beat(12)-3.07%
Revenue beat(16)6
Avg Revenue beat(16)-0.07%
PT rev (1m)4.54%
PT rev (3m)4.54%
EPS NQ rev (1m)0.98%
EPS NQ rev (3m)15.39%
EPS NY rev (1m)-1.8%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)2.93%
Revenue NQ rev (3m)2.81%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)-2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.12 | ||
| Fwd PE | 10.19 | ||
| P/S | 1.11 | ||
| P/FCF | 14.66 | ||
| P/OCF | 13.74 | ||
| P/B | 2.25 | ||
| P/tB | 2.59 | ||
| EV/EBITDA | 8.59 |
EPS(TTM)47.3
EY8.99%
EPS(NY)51.64
Fwd EY9.82%
FCF(TTM)35.88
FCFY6.82%
OCF(TTM)38.29
OCFY7.28%
SpS475.53
BVpS234.08
TBVpS203.29
PEG (NY)0.7
PEG (5Y)0.63
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
WACC7.07%
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)10.88%
EPS 3Y26.82%
EPS 5Y17.67%
EPS Q2Q%120.51%
EPS Next Y15.98%
EPS Next 2Y9.98%
EPS Next 3Y8.57%
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-4.05%
Revenue Next 2Y-0.62%
Revenue Next 3Y1%
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 / 1MUV2.MI FAQ
Can you provide the ChartMill fundamental rating for MUENCHENER RUECKVER AG-REG?
ChartMill assigns a fundamental rating of 5 / 10 to 1MUV2.MI.
What is the valuation status of MUENCHENER RUECKVER AG-REG (1MUV2.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to MUENCHENER RUECKVER AG-REG (1MUV2.MI). This can be considered as Fairly Valued.
How profitable is MUENCHENER RUECKVER AG-REG (1MUV2.MI) stock?
MUENCHENER RUECKVER AG-REG (1MUV2.MI) has a profitability rating of 6 / 10.
What are the PE and PB ratios of MUENCHENER RUECKVER AG-REG (1MUV2.MI) stock?
The Price/Earnings (PE) ratio for MUENCHENER RUECKVER AG-REG (1MUV2.MI) is 11.12 and the Price/Book (PB) ratio is 2.25.
How financially healthy is MUENCHENER RUECKVER AG-REG?
The financial health rating of MUENCHENER RUECKVER AG-REG (1MUV2.MI) is 4 / 10.