GENERALI (ASG.DE) Fundamental Analysis & Valuation

FRA:ASG • IT0000062072

Current stock price

37.9 EUR
+0.23 (+0.61%)
Last:

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

4

1. ASG.DE Profitability Analysis

1.1 Basic Checks

  • ASG had positive earnings in the past year.
  • In the past year ASG had a positive cash flow from operations.
  • In the past 5 years ASG has always been profitable.
  • In the past 5 years ASG always reported a positive cash flow from operatings.
ASG.DE Yearly Net Income VS EBIT VS OCF VS FCFASG.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 2025 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of ASG (0.47%) is worse than 75.56% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.24%, ASG is doing worse than 73.33% of the companies in the same industry.
  • The Return On Invested Capital of ASG (0.68%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ASG is below the industry average of 3.90%.
  • The 3 year average ROIC (0.67%) for ASG is below the current ROIC(0.68%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.47%
ROE 8.24%
ROIC 0.68%
ROA(3y)0.44%
ROA(5y)0.45%
ROE(3y)7.67%
ROE(5y)8.22%
ROIC(3y)0.67%
ROIC(5y)0.69%
ASG.DE Yearly ROA, ROE, ROICASG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 5.72%, ASG is doing worse than 66.67% of the companies in the same industry.
  • ASG's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 13.22%, ASG perfoms like the industry average, outperforming 53.33% of the companies in the same industry.
  • ASG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.22%
PM (TTM) 5.72%
GM N/A
OM growth 3Y-1.25%
OM growth 5Y5.01%
PM growth 3Y-14.61%
PM growth 5Y8.25%
GM growth 3YN/A
GM growth 5YN/A
ASG.DE Yearly Profit, Operating, Gross MarginsASG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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2

2. ASG.DE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ASG is destroying value.
  • Compared to 1 year ago, ASG has less shares outstanding
  • Compared to 5 years ago, ASG has less shares outstanding
  • Compared to 1 year ago, ASG has a worse debt to assets ratio.
ASG.DE Yearly Shares OutstandingASG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
ASG.DE Yearly Total Debt VS Total AssetsASG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • The Debt to FCF ratio of ASG is 2.06, which is a good value as it means it would take ASG, 2.06 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.06, ASG is in line with its industry, outperforming 55.56% of the companies in the same industry.
  • A Debt/Equity ratio of 1.23 is on the high side and indicates that ASG has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.23, ASG is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • Although ASG's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 2.06
Altman-Z N/A
ROIC/WACC0.12
WACC5.87%
ASG.DE Yearly LT Debt VS Equity VS FCFASG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASG.DE Yearly Current Assets VS Current LiabilitesASG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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3

3. ASG.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 5.60% over the past year.
  • The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
  • Looking at the last year, ASG shows a decrease in Revenue. The Revenue has decreased by -7.15% in the last year.
  • The Revenue for ASG have been decreasing by -14.37% on average. This is quite bad
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
Revenue 1Y (TTM)-7.15%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.91%

3.2 Future

  • ASG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.10% yearly.
  • ASG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.84% yearly.
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y8.1%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
Revenue Next 5Y4.84%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
ASG.DE Yearly Revenue VS EstimatesASG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B 100B
ASG.DE Yearly EPS VS EstimatesASG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4

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4

4. ASG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.47, ASG is valued correctly.
  • 66.67% of the companies in the same industry are cheaper than ASG, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.42. ASG is valued slightly cheaper when compared to this.
  • ASG is valuated correctly with a Price/Forward Earnings ratio of 12.06.
  • ASG's Price/Forward Earnings is on the same level as the industry average.
  • ASG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.47
Fwd PE 12.06
ASG.DE Price Earnings VS Forward Price EarningsASG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 95.56% of the companies in the same industry are more expensive than ASG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.05
EV/EBITDA N/A
ASG.DE Per share dataASG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • ASG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)1.97
EPS Next 2Y13.26%
EPS Next 3Y11.68%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ASG.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.35%, ASG is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.90, ASG has a dividend in line with its industry peers.
  • ASG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.35%

5.2 History

  • The dividend of ASG is nicely growing with an annual growth rate of 23.53%!
Dividend Growth(5Y)23.53%
Div Incr Years3
Div Non Decr Years3
ASG.DE Yearly Dividends per shareASG.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ASG pays out 82.17% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of ASG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP82.17%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
ASG.DE Yearly Income VS Free CF VS DividendASG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
ASG.DE Dividend Payout.ASG.DE Dividend Payout, showing the Payout Ratio.ASG.DE Dividend Payout.PayoutRetained Earnings

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ASG.DE Fundamentals: All Metrics, Ratios and Statistics

GENERALI

FRA:ASG (4/24/2026, 7:00:00 PM)

37.9

+0.23 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-12
Earnings (Next)05-21
Inst Owners34.01%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap58.74B
Revenue(TTM)46.20B
Net Income(TTM)2.64B
Analysts74.07
Price Target37.19 (-1.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
Yearly Dividend1.44
Dividend Growth(5Y)23.53%
DP82.17%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.52%
PT rev (3m)3.85%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.56%
EPS NY rev (3m)-0.2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.5%
Revenue NY rev (3m)-0.14%
Valuation
Industry RankSector Rank
PE 15.47
Fwd PE 12.06
P/S 1.27
P/FCF 3.05
P/OCF 2.99
P/B 1.83
P/tB 2.96
EV/EBITDA N/A
EPS(TTM)2.45
EY6.46%
EPS(NY)3.14
Fwd EY8.29%
FCF(TTM)12.41
FCFY32.74%
OCF(TTM)12.69
OCFY33.49%
SpS29.81
BVpS20.69
TBVpS12.82
PEG (NY)0.98
PEG (5Y)1.97
Graham Number33.7713 (-10.89%)
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 8.24%
ROCE 1.12%
ROIC 0.68%
ROICexc 0.69%
ROICexgc 0.72%
OM 13.22%
PM (TTM) 5.72%
GM N/A
FCFM 41.62%
ROA(3y)0.44%
ROA(5y)0.45%
ROE(3y)7.67%
ROE(5y)8.22%
ROIC(3y)0.67%
ROIC(5y)0.69%
ROICexc(3y)0.68%
ROICexc(5y)0.7%
ROICexgc(3y)0.71%
ROICexgc(5y)0.74%
ROCE(3y)1.11%
ROCE(5y)1.14%
ROICexgc growth 3Y-4.21%
ROICexgc growth 5Y-7.69%
ROICexc growth 3Y-4.18%
ROICexc growth 5Y-7.5%
OM growth 3Y-1.25%
OM growth 5Y5.01%
PM growth 3Y-14.61%
PM growth 5Y8.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF 2.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.95%
Interest Coverage 3.77
Cash Conversion N/A
Profit Quality 727.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.87%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.74%
Cap/Sales(5y)N/A
Profit Quality(3y)619.45%
Profit Quality(5y)578.79%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%18.97%
EPS Next Y15.72%
EPS Next 2Y13.26%
EPS Next 3Y11.68%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-7.15%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-19.91%
Revenue Next Year5.03%
Revenue Next 2Y4.69%
Revenue Next 3Y4.56%
Revenue Next 5Y4.84%
EBIT growth 1Y-6.92%
EBIT growth 3Y-1.01%
EBIT growth 5Y-7.13%
EBIT Next Year1220.09%
EBIT Next 3Y142.55%
EBIT Next 5YN/A
FCF growth 1Y28.14%
FCF growth 3Y26.83%
FCF growth 5Y0.23%
OCF growth 1Y27.86%
OCF growth 3Y23.9%
OCF growth 5Y0.33%

GENERALI / ASG.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of GENERALI (ASG.DE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ASG.DE.


What is the valuation status of GENERALI (ASG.DE) stock?

ChartMill assigns a valuation rating of 4 / 10 to GENERALI (ASG.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for GENERALI?

GENERALI (ASG.DE) has a profitability rating of 4 / 10.


Can you provide the financial health for ASG stock?

The financial health rating of GENERALI (ASG.DE) is 2 / 10.


How sustainable is the dividend of GENERALI (ASG.DE) stock?

The dividend rating of GENERALI (ASG.DE) is 6 / 10 and the dividend payout ratio is 82.17%.