BANCA GENERALI SPA (BGN.MI) Stock Fundamental Analysis
BIT:BGN - IT0001031084 - Common Stock
49.24 EUR
-0.42 (-0.85%)
Taking everything into account, BGN scores 5 out of 10 in our fundamental rating. BGN was compared to 112 industry peers in the Capital Markets industry. While BGN has a great profitability rating, there are quite some concerns on its financial health. BGN has a correct valuation and a medium growth rate. Finally BGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BGN was profitable.
In the past year BGN had a positive cash flow from operations.
BGN had positive earnings in each of the past 5 years.
Of the past 5 years BGN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.42%, BGN is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
The Return On Equity of BGN (44.44%) is better than 98.21% of its industry peers.
BGN has a Return On Invested Capital of 3.89%. This is in the better half of the industry: BGN outperforms 65.18% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BGN is significantly below the industry average of 8.38%.
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
BGN has a better Profit Margin (26.04%) than 71.43% of its industry peers.
In the last couple of years the Profit Margin of BGN has remained more or less at the same level.
BGN's Operating Margin of 38.84% is fine compared to the rest of the industry. BGN outperforms 78.57% of its industry peers.
In the last couple of years the Operating Margin of BGN has remained more or less at the same level.
With a decent Gross Margin value of 62.76%, BGN is doing good in the industry, outperforming 73.21% of the companies in the same industry.
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
The number of shares outstanding for BGN remains at a similar level compared to 1 year ago.
BGN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BGN has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.36, we must say that BGN is in the distress zone and has some risk of bankruptcy.
BGN's Altman-Z score of -0.36 is on the low side compared to the rest of the industry. BGN is outperformed by 60.71% of its industry peers.
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.
With a decent Debt to FCF ratio value of 26.84, BGN is doing good in the industry, outperforming 63.39% of the companies in the same industry.
A Debt/Equity ratio of 11.08 is on the high side and indicates that BGN has dependencies on debt financing.
BGN has a worse Debt to Equity ratio (11.08) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.08 | ||
| Debt/FCF | 26.84 | ||
| Altman-Z | -0.36 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
BGN has a Current 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's Current ratio of 0.06 is on the low side compared to the rest of the industry. BGN is outperformed by 63.39% 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.
BGN's Quick ratio of 0.06 is on the low side compared to the rest of the industry. BGN is outperformed by 63.39% 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 1.37% over the past year.
The Earnings Per Share has been growing by 9.97% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.80% in the past year.
The Revenue has been growing by 9.79% on average over the past years. This is quite good.
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
Based on estimates for the next years, BGN will show a small growth in Earnings Per Share. The EPS will grow by 1.45% on average per year.
BGN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.01% yearly.
EPS Next Y-5.31%
EPS Next 2Y-1.91%
EPS Next 3Y-0.01%
EPS Next 5Y1.45%
Revenue Next Year-0.76%
Revenue Next 2Y1.08%
Revenue Next 3Y2.21%
Revenue Next 5Y1.01%
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
The Price/Earnings ratio is 9.34, which indicates a very decent valuation of BGN.
84.82% of the companies in the same industry are more expensive than BGN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.03, BGN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 14.34, the valuation of BGN can be described as correct.
BGN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BGN is cheaper than 75.00% of the companies in the same industry.
BGN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.63, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 14.34 |
4.2 Price Multiples
BGN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BGN is cheaper than 83.93% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, BGN is valued cheaper than 84.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| EV/EBITDA | 5.72 |
4.3 Compensation for Growth
BGN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y-1.91%
EPS Next 3Y-0.01%
5. Dividend
5.1 Amount
BGN has a Yearly Dividend Yield of 5.59%, which is a nice return.
BGN's Dividend Yield is rather good when compared to the industry average which is at 5.88. BGN pays more dividend than 86.61% of the companies in the same industry.
BGN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
5.2 History
On average, the dividend of BGN grows each year by 12.15%, which is quite nice.
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.
BGN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.33%
EPS Next 2Y-1.91%
EPS Next 3Y-0.01%
BIT:BGN (9/5/2025, 5:35:30 PM)
49.24
-0.42 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners23.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.75B
Analysts72.73
Price Target54.64 (10.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
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)1.79%
PT rev (3m)2.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.29%
EPS NY rev (3m)1.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.14%
Revenue NY rev (3m)3.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 14.34 | ||
| P/S | 2.49 | ||
| P/FCF | 10.27 | ||
| P/OCF | 9.84 | ||
| P/B | 4.25 | ||
| P/tB | 5.03 | ||
| EV/EBITDA | 5.72 |
EPS(TTM)5.27
EY10.7%
EPS(NY)3.43
Fwd EY6.97%
FCF(TTM)4.79
FCFY9.74%
OCF(TTM)5
OCFY10.16%
SpS19.76
BVpS11.58
TBVpS9.79
PEG (NY)N/A
PEG (5Y)0.94
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%
ROICexcg growth 3Y10.33%
ROICexcg 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 | -0.36 |
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-5.31%
EPS Next 2Y-1.91%
EPS Next 3Y-0.01%
EPS Next 5Y1.45%
Revenue 1Y (TTM)7.8%
Revenue growth 3Y8.98%
Revenue growth 5Y9.79%
Sales Q2Q%-0.7%
Revenue Next Year-0.76%
Revenue Next 2Y1.08%
Revenue Next 3Y2.21%
Revenue Next 5Y1.01%
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