BANCA GENERALI SPA (BGN.MI) Fundamental Analysis & Valuation

BIT:BGN • IT0001031084

Current stock price

50.3 EUR
-0.35 (-0.69%)
Last:

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

6

1. BGN.MI Profitability Analysis

1.1 Basic Checks

  • In the past year BGN was profitable.
  • Each year in the past 5 years BGN has been profitable.
  • In multiple years BGN reported negative operating cash flow during the last 5 years.
BGN.MI Yearly Net Income VS EBIT VS OCF VS FCFBGN.MI 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 0 500M -500M 1B

1.2 Ratios

  • With a decent Return On Assets value of 3.63%, BGN is doing good in the industry, outperforming 67.74% of the companies in the same industry.
  • BGN has a Return On Equity of 42.68%. This is amongst the best in the industry. BGN outperforms 94.35% of its industry peers.
  • BGN's Return On Invested Capital of 4.05% is fine compared to the rest of the industry. BGN outperforms 66.13% of its industry peers.
Industry RankSector Rank
ROA 3.63%
ROE 42.68%
ROIC 4.05%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BGN.MI Yearly ROA, ROE, ROICBGN.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.94%, BGN is in the better half of the industry, outperforming 74.19% of the companies in the same industry.
  • BGN's Profit Margin has been stable in the last couple of years.
  • BGN has a better Operating Margin (40.54%) than 79.03% of its industry peers.
  • In the last couple of years the Operating Margin of BGN has grown nicely.
  • With a decent Gross Margin value of 62.54%, BGN is doing good in the industry, outperforming 68.55% of the companies in the same industry.
  • BGN's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 40.54%
PM (TTM) 27.94%
GM 62.54%
OM growth 3Y10.04%
OM growth 5Y3.28%
PM growth 3Y13.56%
PM growth 5Y0.92%
GM growth 3Y2.46%
GM growth 5Y0.42%
BGN.MI Yearly Profit, Operating, Gross MarginsBGN.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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0

2. BGN.MI Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for BGN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BGN.MI Yearly Shares OutstandingBGN.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
BGN.MI Yearly Total Debt VS Total AssetsBGN.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 10.14 is on the high side and indicates that BGN has dependencies on debt financing.
  • With a Debt to Equity ratio value of 10.14, BGN is not doing good in the industry: 70.16% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 10.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BGN.MI Yearly LT Debt VS Equity VS FCFBGN.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BGN.MI Yearly Current Assets VS Current LiabilitesBGN.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

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4

3. BGN.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.56% over the past year.
  • BGN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.35% yearly.
  • Looking at the last year, BGN shows a small growth in Revenue. The Revenue has grown by 3.97% in the last year.
  • Measured over the past years, BGN shows a quite strong growth in Revenue. The Revenue has been growing by 9.15% on average per year.
EPS 1Y (TTM)2.56%
EPS 3Y28%
EPS 5Y10.35%
EPS Q2Q%27.41%
Revenue 1Y (TTM)3.97%
Revenue growth 3Y12.64%
Revenue growth 5Y9.15%
Sales Q2Q%7.83%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.85% 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 3.87% on average per year.
EPS Next Y3.36%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
EPS Next 5YN/A
Revenue Next Year4.55%
Revenue Next 2Y4.89%
Revenue Next 3Y5.16%
Revenue Next 5Y3.87%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BGN.MI Yearly Revenue VS EstimatesBGN.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 500M 1B 1.5B
BGN.MI Yearly EPS VS EstimatesBGN.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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4

4. BGN.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.57 indicates a reasonable valuation of BGN.
  • Compared to the rest of the industry, the Price/Earnings ratio of BGN indicates a rather cheap valuation: BGN is cheaper than 90.32% of the companies listed in the same industry.
  • BGN is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 13.71, 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 75.81% of the companies are valued more expensively.
  • BGN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.57
Fwd PE 13.71
BGN.MI Price Earnings VS Forward Price EarningsBGN.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BGN.MI Per share dataBGN.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BGN does not grow enough to justify the current Price/Earnings ratio.
  • BGN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.55
PEG (5Y)0.83
EPS Next 2Y4.28%
EPS Next 3Y4.85%

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

7

5. BGN.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.59%, BGN is a good candidate for dividend investing.
  • BGN's Dividend Yield is rather good when compared to the industry average which is at 3.11. BGN pays more dividend than 86.29% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BGN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.59%

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's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
BGN.MI Yearly Income VS Free CF VS DividendBGN.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

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BGN.MI Fundamentals: All Metrics, Ratios and Statistics

BANCA GENERALI SPA

BIT:BGN (3/13/2026, 7:00:00 PM)

50.3

-0.35 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-04
Earnings (Next)05-06
Inst Owners24.72%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.88B
Revenue(TTM)2.40B
Net Income(TTM)670.50M
Analysts76.67
Price Target63.32 (25.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.59%
Yearly Dividend2.22
Dividend Growth(5Y)12.15%
DP0%
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)1.39%
PT rev (3m)7.91%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.85%
EPS NY rev (3m)3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.18%
Revenue NY rev (3m)2.58%
Valuation
Industry RankSector Rank
PE 8.57
Fwd PE 13.71
P/S 2.45
P/FCF N/A
P/OCF N/A
P/B 3.74
P/tB 3.74
EV/EBITDA N/A
EPS(TTM)5.87
EY11.67%
EPS(NY)3.67
Fwd EY7.29%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS20.54
BVpS13.44
TBVpS13.44
PEG (NY)2.55
PEG (5Y)0.83
Graham Number42.14
Profitability
Industry RankSector Rank
ROA 3.63%
ROE 42.68%
ROCE 38.62%
ROIC 4.05%
ROICexc 4.05%
ROICexgc 4.24%
OM 40.54%
PM (TTM) 27.94%
GM 62.54%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y10.04%
OM growth 5Y3.28%
PM growth 3Y13.56%
PM growth 5Y0.92%
GM growth 3Y2.46%
GM growth 5Y0.42%
F-ScoreN/A
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 10.14
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.56%
EPS 3Y28%
EPS 5Y10.35%
EPS Q2Q%27.41%
EPS Next Y3.36%
EPS Next 2Y4.28%
EPS Next 3Y4.85%
EPS Next 5YN/A
Revenue 1Y (TTM)3.97%
Revenue growth 3Y12.64%
Revenue growth 5Y9.15%
Sales Q2Q%7.83%
Revenue Next Year4.55%
Revenue Next 2Y4.89%
Revenue Next 3Y5.16%
Revenue Next 5Y3.87%
EBIT growth 1Y2.07%
EBIT growth 3Y23.95%
EBIT growth 5Y12.72%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

BANCA GENERALI SPA / BGN.MI Fundamental Analysis FAQ

What is the fundamental rating for BGN stock?

ChartMill assigns a fundamental rating of 4 / 10 to BGN.MI.


What is the valuation status of BANCA GENERALI SPA (BGN.MI) stock?

ChartMill assigns a valuation rating of 4 / 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 6 / 10.


Can you provide the PE and PB ratios for BGN stock?

The Price/Earnings (PE) ratio for BANCA GENERALI SPA (BGN.MI) is 8.57 and the Price/Book (PB) ratio is 3.74.


Can you provide the expected EPS growth for BGN stock?

The Earnings per Share (EPS) of BANCA GENERALI SPA (BGN.MI) is expected to grow by 3.36% in the next year.