BANCA GENERALI SPA (BGN.MI) Stock Fundamental Analysis
Europe - BIT:BGN - IT0001031084 - Common Stock
49.2 EUR
+0.8 (+1.65%)
BGN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 113 industry peers in the Capital Markets industry. While BGN belongs to the best of the industry regarding profitability, there are concerns on its financial health. BGN has a decent growth rate and is not valued too expensively. Finally BGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BGN had positive earnings in the past year.
In the past year BGN had a positive cash flow from operations.
Each year in the past 5 years BGN has been profitable.
BGN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BGN has a better Return On Assets (3.42%) than 65.49% of its industry peers.
Looking at the Return On Equity, with a value of 44.44%, BGN belongs to the top of the industry, outperforming 96.46% of the companies in the same industry.
The Return On Invested Capital of BGN (3.89%) is better than 64.60% of its industry peers.
The Average Return On Invested Capital over the past 3 years for BGN is significantly below the industry average of 9.27%.
The 3 year average ROIC (2.08%) for BGN is below the current ROIC(3.89%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 44.44% | ||
| ROIC | 3.89% |
ROA(3y)1.97%
ROA(5y)2%
ROE(3y)25.46%
ROE(5y)25.76%
ROIC(3y)2.08%
ROIC(5y)2.02%
1.3 Margins
With a decent Profit Margin value of 26.04%, BGN is doing good in the industry, outperforming 71.68% of the companies in the same industry.
In the last couple of years the Profit Margin of BGN has remained more or less at the same level.
Looking at the Operating Margin, with a value of 38.84%, BGN is in the better half of the industry, outperforming 78.76% of the companies in the same industry.
In the last couple of years the Operating Margin of BGN has remained more or less at the same level.
The Gross Margin of BGN (62.76%) is better than 74.34% of its industry peers.
BGN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.84% | ||
| PM (TTM) | 26.04% | ||
| GM | 62.76% |
OM growth 3Y3.47%
OM growth 5Y1.48%
PM growth 3Y1.03%
PM growth 5Y-0.14%
GM growth 3Y2.26%
GM growth 5Y1.11%
2. Health
2.1 Basic Checks
BGN has about the same amout of shares outstanding than it did 1 year ago.
BGN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BGN has been reduced compared to a year ago.
2.2 Solvency
BGN has an Altman-Z score of -0.37. This is a bad value and indicates that BGN is not financially healthy and even has some risk of bankruptcy.
BGN's Altman-Z score of -0.37 is on the low side compared to the rest of the industry. BGN is outperformed by 64.60% of its industry peers.
BGN has a debt to FCF ratio of 26.84. This is a negative value and a sign of low solvency as BGN would need 26.84 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 26.84, BGN is in the better half of the industry, outperforming 61.06% of the companies in the same industry.
BGN has a Debt/Equity ratio of 11.08. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BGN (11.08) is worse than 72.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Altman-Z | -0.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.06 indicates that BGN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.06, BGN is doing worse than 64.60% of the companies in the same industry.
BGN has a Quick Ratio of 0.06. This is a bad value and indicates that BGN is not financially healthy enough and could expect problems in meeting its short term obligations.
BGN has a Quick ratio of 0.06. This is in the lower half of the industry: BGN underperforms 64.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
BGN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.37%.
BGN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.97% yearly.
BGN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.80%.
Measured over the past years, BGN shows a quite strong growth in Revenue. The Revenue has been growing by 9.79% on average per year.
EPS 1Y (TTM)1.37%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%-16.48%
Revenue 1Y (TTM)7.8%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%-0.7%
3.2 Future
BGN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.45% yearly.
BGN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.53% yearly.
EPS Next Y-4.86%
EPS Next 2Y-1.69%
EPS Next 3Y0.07%
EPS Next 5Y1.45%
Revenue Next Year-0.39%
Revenue Next 2Y1.2%
Revenue Next 3Y2.21%
Revenue Next 5Y1.53%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.34, which indicates a very decent valuation of BGN.
BGN's Price/Earnings ratio is rather cheap when compared to the industry. BGN is cheaper than 89.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.83, BGN is valued rather cheaply.
BGN is valuated correctly with a Price/Forward Earnings ratio of 14.27.
Based on the Price/Forward Earnings ratio, BGN is valued a bit cheaper than 76.99% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.88. BGN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 14.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BGN indicates a rather cheap valuation: BGN is cheaper than 86.73% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, BGN is valued cheaper than 84.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.26 | ||
| EV/EBITDA | 5.56 |
4.3 Compensation for Growth
The decent profitability rating of BGN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y-1.69%
EPS Next 3Y0.07%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.88%, BGN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.70, BGN pays a better dividend. On top of this BGN pays more dividend than 88.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.30, BGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
5.2 History
The dividend of BGN is nicely growing with an annual growth rate of 12.15%!
Dividend Growth(5Y)12.15%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
BGN pays out 52.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BGN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.33%
EPS Next 2Y-1.69%
EPS Next 3Y0.07%
BIT:BGN (10/28/2025, 5:35:15 PM)
49.2
+0.8 (+1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners23.72%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.75B
Revenue(TTM)2.31B
Net Income(TTM)601.17M
Analysts72.73
Price Target54.29 (10.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
Yearly Dividend2.22
Dividend Growth(5Y)12.15%
DP52.33%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)1.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.97%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 14.27 | ||
| P/S | 2.49 | ||
| P/FCF | 10.26 | ||
| P/OCF | 9.83 | ||
| P/B | 4.25 | ||
| P/tB | 5.02 | ||
| EV/EBITDA | 5.56 |
EPS(TTM)5.27
EY10.71%
EPS(NY)3.45
Fwd EY7.01%
FCF(TTM)4.79
FCFY9.74%
OCF(TTM)5
OCFY10.17%
SpS19.76
BVpS11.58
TBVpS9.79
PEG (NY)N/A
PEG (5Y)0.94
Graham Number37.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.42% | ||
| ROE | 44.44% | ||
| ROCE | 35.96% | ||
| ROIC | 3.89% | ||
| ROICexc | 4.06% | ||
| ROICexgc | 4.21% | ||
| OM | 38.84% | ||
| PM (TTM) | 26.04% | ||
| GM | 62.76% | ||
| FCFM | 24.27% |
ROA(3y)1.97%
ROA(5y)2%
ROE(3y)25.46%
ROE(5y)25.76%
ROIC(3y)2.08%
ROIC(5y)2.02%
ROICexc(3y)2.19%
ROICexc(5y)2.15%
ROICexgc(3y)2.26%
ROICexgc(5y)2.21%
ROCE(3y)19.82%
ROCE(5y)19.31%
ROICexgc growth 3Y10.33%
ROICexgc growth 5Y4.16%
ROICexc growth 3Y9.91%
ROICexc growth 5Y4.01%
OM growth 3Y3.47%
OM growth 5Y1.48%
PM growth 3Y1.03%
PM growth 5Y-0.14%
GM growth 3Y2.26%
GM growth 5Y1.11%
F-Score4
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Debt/EBITDA | 15.92 | ||
| Cap/Depr | 55.13% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 62.13% | ||
| Profit Quality | 93.19% | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.37 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)60.41%
Cap/Depr(5y)53.91%
Cap/Sales(3y)1.82%
Cap/Sales(5y)1.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.37%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%-16.48%
EPS Next Y-4.86%
EPS Next 2Y-1.69%
EPS Next 3Y0.07%
EPS Next 5Y1.45%
Revenue 1Y (TTM)7.8%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%-0.7%
Revenue Next Year-0.39%
Revenue Next 2Y1.2%
Revenue Next 3Y2.21%
Revenue Next 5Y1.53%
EBIT growth 1Y3.12%
EBIT growth 3Y12.77%
EBIT growth 5Y11.41%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y169.47%
FCF growth 3Y-17.34%
FCF growth 5YN/A
OCF growth 1Y174.45%
OCF growth 3Y-16.68%
OCF growth 5YN/A
BANCA GENERALI SPA / BGN.MI FAQ
What is the fundamental rating for BGN stock?
ChartMill assigns a fundamental rating of 5 / 10 to BGN.MI.
What is the valuation status for BGN stock?
ChartMill assigns a valuation rating of 6 / 10 to BANCA GENERALI SPA (BGN.MI). This can be considered as Fairly Valued.
What is the profitability of BGN stock?
BANCA GENERALI SPA (BGN.MI) has a profitability rating of 7 / 10.
What is the valuation of BANCA GENERALI SPA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCA GENERALI SPA (BGN.MI) is 9.34 and the Price/Book (PB) ratio is 4.25.
What is the earnings growth outlook for BANCA GENERALI SPA?
The Earnings per Share (EPS) of BANCA GENERALI SPA (BGN.MI) is expected to decline by -4.86% in the next year.