BANCA GENERALI SPA (BGN.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:BGN - IT0001031084 - Common Stock
58.25 EUR
0 (0%)
We assign a fundamental rating of 5 out of 10 to BGN. BGN was compared to 121 industry peers in the Capital Markets industry. BGN scores excellent on profitability, but there are concerns on its financial health. BGN is not valued too expensively and it also shows a decent growth rate. Finally BGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- BGN had positive earnings in the past year.
- BGN had a positive operating cash flow in the past year.
- In the past 5 years BGN has always been profitable.
- BGN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- BGN's Return On Assets of 3.42% is fine compared to the rest of the industry. BGN outperforms 66.93% of its industry peers.
- BGN's Return On Equity of 44.44% is amongst the best of the industry. BGN outperforms 96.06% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.89%, BGN is in the better half of the industry, outperforming 64.57% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for BGN is significantly below the industry average of 8.43%.
- The last Return On Invested Capital (3.89%) for BGN is above the 3 year average (2.08%), which is a sign of increasing profitability.
| 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
- Looking at the Profit Margin, with a value of 26.04%, BGN is in the better half of the industry, outperforming 67.72% of the companies in the same industry.
- BGN's Profit Margin has been stable in the last couple of years.
- With a decent Operating Margin value of 38.84%, BGN is doing good in the industry, outperforming 77.17% 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.
- BGN has a Gross Margin of 62.76%. This is in the better half of the industry: BGN outperforms 72.44% 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
- Compared to 1 year ago, BGN has about the same amount of shares outstanding.
- Compared to 5 years ago, BGN has less shares outstanding
- BGN has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of -0.32, we must say that BGN is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -0.32, BGN is in line with its industry, outperforming 40.16% of the companies in the same industry.
- The Debt to FCF ratio of BGN is 26.84, which is on the high side as it means it would take BGN, 26.84 years of fcf income to pay off all of its debts.
- BGN has a Debt to FCF ratio (26.84) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 11.08 is on the high side and indicates that BGN has dependencies on debt financing.
- With a Debt to Equity ratio value of 11.08, BGN is not doing good in the industry: 72.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Altman-Z | -0.32 |
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.
- BGN's Current ratio of 0.06 is on the low side compared to the rest of the industry. BGN is outperformed by 63.78% of its industry peers.
- 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.
- The Quick ratio of BGN (0.06) is worse than 63.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 0.74% over the past year.
- The Earnings Per Share has been growing by 9.97% on average over the past years. This is quite good.
- Looking at the last year, BGN shows a small growth in Revenue. The Revenue has grown by 6.91% in the last year.
- BGN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.79% yearly.
EPS 1Y (TTM)0.74%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%15.39%
Revenue 1Y (TTM)6.91%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%8.39%
3.2 Future
- The Earnings Per Share is expected to grow by 1.45% on average over the next years.
- Based on estimates for the next years, BGN will show a small growth in Revenue. The Revenue will grow by 2.00% on average per year.
EPS Next Y-0.59%
EPS Next 2Y-0.04%
EPS Next 3Y1.31%
EPS Next 5Y1.45%
Revenue Next Year2.98%
Revenue Next 2Y2.82%
Revenue Next 3Y3.33%
Revenue Next 5Y2%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- BGN is valuated reasonably with a Price/Earnings ratio of 10.77.
- BGN's Price/Earnings ratio is rather cheap when compared to the industry. BGN is cheaper than 86.61% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BGN to the average of the S&P500 Index (27.38), we can say BGN is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 16.34, the valuation of BGN can be described as correct.
- Based on the Price/Forward Earnings ratio, BGN is valued a bit cheaper than the industry average as 72.44% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of BGN to the average of the S&P500 Index (24.29), we can say BGN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 16.34 |
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 85.83% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BGN indicates a rather cheap valuation: BGN is cheaper than 85.04% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.15 | ||
| EV/EBITDA | 6.79 |
4.3 Compensation for Growth
- The decent profitability rating of BGN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.08
EPS Next 2Y-0.04%
EPS Next 3Y1.31%
5. Dividend
5.1 Amount
- BGN has a Yearly Dividend Yield of 4.81%, which is a nice return.
- BGN's Dividend Yield is rather good when compared to the industry average which is at 3.07. BGN pays more dividend than 84.25% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, BGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.81% |
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
- 52.33% of the earnings are spent on dividend by BGN. 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-0.04%
EPS Next 3Y1.31%
BIT:BGN (1/16/2026, 7:00:00 PM)
58.25
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-05 2025-11-05
Earnings (Next)02-11 2026-02-11/amc
Inst Owners24.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap6.81B
Revenue(TTM)2.34B
Net Income(TTM)601.17M
Analysts78.33
Price Target58.68 (0.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.81% |
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)8.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.78%
EPS NY rev (3m)4.48%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.86%
Revenue NY rev (3m)3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 16.34 | ||
| P/S | 2.95 | ||
| P/FCF | 12.15 | ||
| P/OCF | 11.64 | ||
| P/B | 5.03 | ||
| P/tB | 5.95 | ||
| EV/EBITDA | 6.79 |
EPS(TTM)5.41
EY9.29%
EPS(NY)3.57
Fwd EY6.12%
FCF(TTM)4.79
FCFY8.23%
OCF(TTM)5
OCFY8.59%
SpS19.76
BVpS11.58
TBVpS9.79
PEG (NY)N/A
PEG (5Y)1.08
Graham Number37.54
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 | -0.32 |
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)0.74%
EPS 3Y10.42%
EPS 5Y9.97%
EPS Q2Q%15.39%
EPS Next Y-0.59%
EPS Next 2Y-0.04%
EPS Next 3Y1.31%
EPS Next 5Y1.45%
Revenue 1Y (TTM)6.91%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%8.39%
Revenue Next Year2.98%
Revenue Next 2Y2.82%
Revenue Next 3Y3.33%
Revenue Next 5Y2%
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 of BANCA GENERALI SPA (BGN.MI) 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.
Can you provide the PE and PB ratios for BGN stock?
The Price/Earnings (PE) ratio for BANCA GENERALI SPA (BGN.MI) is 10.77 and the Price/Book (PB) ratio is 5.03.
Can you provide the expected EPS growth for BGN stock?
The Earnings per Share (EPS) of BANCA GENERALI SPA (BGN.MI) is expected to decline by -0.59% in the next year.