MUENCHENER RUECKVER AG-REG (1MUV2.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MUV2 - DE0008430026 - Common Stock
540.2 EUR
+7.4 (+1.39%)
1MUV2 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 industry peers in the Insurance industry. Both the profitability and the financial health of 1MUV2 get a neutral evaluation. Nothing too spectacular is happening here. 1MUV2 is valued correctly, but it does not seem to be growing.
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.
Each year in the past 5 years 1MUV2 has been profitable.
Each year in the past 5 years 1MUV2 had a positive operating cash flow.
1.2 Ratios
1MUV2's Return On Assets of 2.06% is fine compared to the rest of the industry. 1MUV2 outperforms 72.00% of its industry peers.
1MUV2 has a Return On Equity of 18.59%. This is in the better half of the industry: 1MUV2 outperforms 78.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.27%, 1MUV2 is in the better half of the industry, outperforming 66.00% of the companies in the same industry.
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 2.66%.
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's Profit Margin of 9.15% is in line compared to the rest of the industry. 1MUV2 outperforms 50.00% of its industry peers.
In the last couple of years the Profit Margin of 1MUV2 has grown nicely.
With a Operating Margin value of 12.77%, 1MUV2 perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
1MUV2'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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1MUV2 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.
1MUV2 has a better Debt to FCF ratio (1.53) than 68.00% of its industry peers.
1MUV2 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, 1MUV2 belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.53 | ||
| Altman-Z | N/A |
ROIC/WACC0.33
WACC6.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1MUV2 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.68%.
The Earnings Per Share has been growing by 17.67% on average over the past years. This is quite good.
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)-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, 1MUV2 will show a small growth in Earnings Per Share. The EPS will grow by 5.25% on average per year.
Based on estimates for the next years, 1MUV2 will show a small growth in Revenue. The Revenue will grow by 6.24% on average per year.
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
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.81, 1MUV2 is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of 1MUV2 indicates a slightly more expensive valuation: 1MUV2 is more expensive than 66.00% of the companies listed in the same industry.
1MUV2 is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
1MUV2 is valuated reasonably with a Price/Forward Earnings ratio of 10.43.
1MUV2's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.56. 1MUV2 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.81 | ||
| Fwd PE | 10.43 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1MUV2 indicates a somewhat cheap valuation: 1MUV2 is cheaper than 74.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1MUV2 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.05 | ||
| EV/EBITDA | 8.82 |
4.3 Compensation for Growth
1MUV2's 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)0.93
PEG (5Y)0.95
EPS Next 2Y10.13%
EPS Next 3Y8.51%
5. Dividend
5.1 Amount
1MUV2 has a Yearly Dividend Yield of 3.60%.
1MUV2's Dividend Yield is slightly below the industry average, which is at 4.38.
Compared to an average S&P500 Dividend Yield of 2.31, 1MUV2 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
5.2 History
The dividend of 1MUV2 is nicely growing with an annual growth rate of 10.15%!
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.
The dividend of 1MUV2 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP45.96%
EPS Next 2Y10.13%
EPS Next 3Y8.51%
BIT:1MUV2 (12/1/2025, 7:00:00 PM)
540.2
+7.4 (+1.39%)
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 Cap70.58B
Revenue(TTM)62.13B
Net Income(TTM)5.68B
Analysts70
Price Target592.63 (9.71%)
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 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)2.77%
PT rev (3m)0.89%
EPS NQ rev (1m)14.27%
EPS NQ rev (3m)13.47%
EPS NY rev (1m)5.28%
EPS NY rev (3m)6.58%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)-1.14%
Revenue NY rev (3m)-7.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.81 | ||
| Fwd PE | 10.43 | ||
| P/S | 1.14 | ||
| P/FCF | 15.05 | ||
| P/OCF | 14.11 | ||
| P/B | 2.31 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | 8.82 |
EPS(TTM)32.13
EY5.95%
EPS(NY)51.78
Fwd EY9.59%
FCF(TTM)35.88
FCFY6.64%
OCF(TTM)38.29
OCFY7.09%
SpS475.53
BVpS234.08
TBVpS203.29
PEG (NY)0.93
PEG (5Y)0.95
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
WACC6.9%
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 / 1MUV2.MI FAQ
What is the fundamental rating for 1MUV2 stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1MUV2.MI.
Can you provide the valuation status for MUENCHENER RUECKVER AG-REG?
ChartMill assigns a valuation rating of 5 / 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 is the expected EPS growth for MUENCHENER RUECKVER AG-REG (1MUV2.MI) stock?
The Earnings per Share (EPS) of MUENCHENER RUECKVER AG-REG (1MUV2.MI) is expected to grow by 18.1% in the next year.
Can you provide the dividend sustainability for 1MUV2 stock?
The dividend rating of MUENCHENER RUECKVER AG-REG (1MUV2.MI) is 4 / 10 and the dividend payout ratio is 45.96%.