GENERALI (G.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:G - IT0000062072 - Common Stock
33.9 EUR
-0.63 (-1.82%)
G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. While G is still in line with the averages on profitability rating, there are concerns on its financial health. G has a valuation in line with the averages, but it does not seem to be growing. G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year G was profitable.
G had a positive operating cash flow in the past year.
In the past 5 years G has always been profitable.
Each year in the past 5 years G had a positive operating cash flow.
1.2 Ratios
G has a worse Return On Assets (0.71%) than 72.92% of its industry peers.
The Return On Equity of G (12.87%) is worse than 60.42% of its industry peers.
G has a Return On Invested Capital (0.93%) which is in line with its industry peers.
G had an Average Return On Invested Capital over the past 3 years of 0.73%. This is in line with the industry average of 2.58%.
The last Return On Invested Capital (0.93%) for G is above the 3 year average (0.73%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROIC | 0.93% |
ROA(3y)0.5%
ROA(5y)0.46%
ROE(3y)9.01%
ROE(5y)8.51%
ROIC(3y)0.73%
ROIC(5y)0.78%
1.3 Margins
With a Profit Margin value of 7.79%, G is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of G has grown nicely.
G has a better Operating Margin (15.75%) than 66.67% of its industry peers.
G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.75% | ||
| PM (TTM) | 7.79% | ||
| GM | N/A |
OM growth 3Y30.49%
OM growth 5Y21.29%
PM growth 3Y44.18%
PM growth 5Y24.82%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
G has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for G has been reduced compared to 1 year ago.
G has less shares outstanding than it did 5 years ago.
G has a worse debt/assets ratio than last year.
2.2 Solvency
G has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as G would need 2.11 years to pay back of all of its debts.
G has a Debt to FCF ratio of 2.11. This is in the better half of the industry: G outperforms 60.42% of its industry peers.
A Debt/Equity ratio of 1.30 is on the high side and indicates that G has dependencies on debt financing.
G has a worse Debt to Equity ratio (1.30) than 79.17% of its industry peers.
Even though the debt/equity ratio score it not favorable for G, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC6.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.60% over the past year.
Measured over the past 5 years, G shows a small growth in Earnings Per Share. The EPS has been growing by 7.84% on average per year.
Looking at the last year, G shows a decrease in Revenue. The Revenue has decreased by -9.82% in the last year.
Measured over the past years, G shows a very negative growth in Revenue. The Revenue has been decreasing by -14.37% on average per year.
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%133.85%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
3.2 Future
G is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.51% yearly.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.
EPS Next Y16.47%
EPS Next 2Y12.57%
EPS Next 3Y11.14%
EPS Next 5Y8.51%
Revenue Next Year4.86%
Revenue Next 2Y4.62%
Revenue Next 3Y4.65%
Revenue Next 5Y4.05%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.84 indicates a correct valuation of G.
Based on the Price/Earnings ratio, G is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.15. G is valued slightly cheaper when compared to this.
G is valuated reasonably with a Price/Forward Earnings ratio of 10.92.
G's Price/Forward Earnings ratio is in line with the industry average.
G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.84 | ||
| Fwd PE | 10.92 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of G indicates a rather cheap valuation: G is cheaper than 95.83% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.84
PEG (5Y)1.77
EPS Next 2Y12.57%
EPS Next 3Y11.14%
5. Dividend
5.1 Amount
G has a Yearly Dividend Yield of 4.20%, which is a nice return.
G's Dividend Yield is comparable with the industry average which is at 4.47.
G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
5.2 History
On average, the dividend of G grows each year by 7.30%, which is quite nice.
Dividend Growth(5Y)7.3%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
56.80% of the earnings are spent on dividend by G. This is a bit on the high side, but may be sustainable.
G's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP56.8%
EPS Next 2Y12.57%
EPS Next 3Y11.14%
BIT:G (12/3/2025, 5:36:15 PM)
33.9
-0.63 (-1.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners32.9%
Inst Owner ChangeN/A
Ins Owners17.17%
Ins Owner ChangeN/A
Market Cap52.54B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts69.6
Price Target33.24 (-1.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP56.8%
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)-0.67%
PT rev (3m)2.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.34%
EPS NY rev (3m)0.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.84 | ||
| Fwd PE | 10.92 | ||
| P/S | 1.07 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.79 | ||
| P/B | 1.77 | ||
| P/tB | 2.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.23%
EPS(NY)3.1
Fwd EY9.16%
FCF(TTM)11.83
FCFY34.89%
OCF(TTM)12.16
OCFY35.86%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.84
PEG (5Y)1.77
Graham Number32.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROCE | 1.46% | ||
| ROIC | 0.93% | ||
| ROICexc | 0.94% | ||
| ROICexgc | 0.98% | ||
| OM | 15.75% | ||
| PM (TTM) | 7.79% | ||
| GM | N/A | ||
| FCFM | 37.34% |
ROA(3y)0.5%
ROA(5y)0.46%
ROE(3y)9.01%
ROE(5y)8.51%
ROIC(3y)0.73%
ROIC(5y)0.78%
ROICexc(3y)0.75%
ROICexc(5y)0.8%
ROICexgc(3y)0.78%
ROICexgc(5y)0.83%
ROCE(3y)1.15%
ROCE(5y)1.23%
ROICexgc growth 3Y1.71%
ROICexgc growth 5Y2.91%
ROICexc growth 3Y2.01%
ROICexc growth 5Y3.06%
OM growth 3Y30.49%
OM growth 5Y21.29%
PM growth 3Y44.18%
PM growth 5Y24.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | 4.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 479.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.26%
ROIC/WACC0.15
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.1%
Cap/Sales(5y)N/A
Profit Quality(3y)302.85%
Profit Quality(5y)522.49%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%133.85%
EPS Next Y16.47%
EPS Next 2Y12.57%
EPS Next 3Y11.14%
EPS Next 5Y8.51%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year4.86%
Revenue Next 2Y4.62%
Revenue Next 3Y4.65%
Revenue Next 5Y4.05%
EBIT growth 1Y12.12%
EBIT growth 3Y-1.02%
EBIT growth 5Y3.86%
EBIT Next Year1376.18%
EBIT Next 3Y151.1%
EBIT Next 5YN/A
FCF growth 1Y2692.79%
FCF growth 3Y-4.96%
FCF growth 5Y-5.36%
OCF growth 1Y18213.5%
OCF growth 3Y-4.17%
OCF growth 5Y-5.43%
GENERALI / G.MI FAQ
What is the fundamental rating for G stock?
ChartMill assigns a fundamental rating of 4 / 10 to G.MI.
Can you provide the valuation status for GENERALI?
ChartMill assigns a valuation rating of 5 / 10 to GENERALI (G.MI). This can be considered as Fairly Valued.
What is the profitability of G stock?
GENERALI (G.MI) has a profitability rating of 5 / 10.
What is the expected EPS growth for GENERALI (G.MI) stock?
The Earnings per Share (EPS) of GENERALI (G.MI) is expected to grow by 16.47% in the next year.
Can you provide the dividend sustainability for G stock?
The dividend rating of GENERALI (G.MI) is 7 / 10 and the dividend payout ratio is 56.8%.