MUENCHENER RUECKVER AG-REG (1MUV2.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1MUV2 - DE0008430026 - Common Stock
526 EUR
+1.2 (+0.23%)
Taking everything into account, 1MUV2 scores 5 out of 10 in our fundamental rating. 1MUV2 was compared to 48 industry peers in the Insurance industry. 1MUV2 has an average financial health and profitability rating. 1MUV2 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- 1MUV2 had positive earnings in the past year.
- 1MUV2 had a positive operating cash flow in the past year.
- Each year in the past 5 years 1MUV2 has been profitable.
- In the past 5 years 1MUV2 always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of 1MUV2 (2.06%) is better than 70.83% of its industry peers.
- With a decent Return On Equity value of 18.59%, 1MUV2 is doing good in the industry, outperforming 70.83% of the companies in the same industry.
- 1MUV2 has a better Return On Invested Capital (2.27%) than 68.75% 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 last Return On Invested Capital (2.27%) for 1MUV2 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
- 1MUV2 has a Profit Margin of 9.15%. This is comparable to the rest of the industry: 1MUV2 outperforms 52.08% of its industry peers.
- 1MUV2's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 12.77%, 1MUV2 is doing good in the industry, outperforming 60.42% 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
- 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
- 1MUV2 has a worse debt/assets ratio than last year.
2.2 Solvency
- 1MUV2 has a debt to FCF ratio of 1.53. This is a very positive value and a sign of high solvency as it would only need 1.53 years to pay back of all of its debts.
- The Debt to FCF ratio of 1MUV2 (1.53) is better than 68.75% of its industry peers.
- A Debt/Equity ratio of 0.23 indicates that 1MUV2 is not too dependend on debt financing.
- 1MUV2 has a Debt to Equity ratio of 0.23. This is amongst the best in the industry. 1MUV2 outperforms 91.67% 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
- 1MUV2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.88%, which is quite good.
- The Earnings Per Share has been growing by 17.67% on average over the past years. This is quite good.
- 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)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
- 1MUV2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.04% yearly.
- The Revenue is expected to grow by 6.02% on average over the next years.
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
- 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
- Based on the Price/Earnings ratio of 11.12, the valuation of 1MUV2 can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of 1MUV2 indicates a somewhat cheap valuation: 1MUV2 is cheaper than 72.92% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.38. 1MUV2 is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 10.19, which indicates a very decent valuation of 1MUV2.
- 66.67% of the companies in the same industry are more expensive than 1MUV2, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, 1MUV2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.12 | ||
| Fwd PE | 10.19 |
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 75.00% of the companies listed 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.
- The decent profitability rating of 1MUV2 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%.
- 1MUV2's Dividend Yield is slightly below the industry average, which is at 4.19.
- Compared to an average S&P500 Dividend Yield of 1.84, 1MUV2 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.58% |
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.
- 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.