GENERALI (G.MI) Stock Fundamental Analysis
Europe - BIT:G - IT0000062072 - Common Stock
33.35 EUR
-0.11 (-0.33%)
Taking everything into account, G scores 4 out of 10 in our fundamental rating. G was compared to 43 industry peers in the Insurance industry. G has a medium profitability rating, but doesn't score so well on its financial health evaluation. G is valued correctly, but it does not seem to be growing. Finally G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
G had positive earnings in the past year.
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
The Return On Assets of G (0.71%) is worse than 74.42% of its industry peers.
G's Return On Equity of 12.87% is on the low side compared to the rest of the industry. G is outperformed by 60.47% of its industry peers.
G has a Return On Invested Capital of 0.93%. This is comparable to the rest of the industry: G outperforms 44.19% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for G is in line with the industry average of 2.22%.
The 3 year average ROIC (0.73%) for G is below the current ROIC(0.93%), indicating increased profibility in the last year.
| 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
The Profit Margin of G (7.79%) is worse than 65.12% of its industry peers.
G's Profit Margin has improved in the last couple of years.
The Operating Margin of G (15.75%) is better than 74.42% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), G 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.
Compared to 1 year ago, G has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of G is 2.11, which is a good value as it means it would take G, 2.11 years of fcf income to pay off 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 65.12% 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.
Looking at the Debt to Equity ratio, with a value of 1.30, G is doing worse than 79.07% of the companies in the same industry.
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
WACC6.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.84% yearly.
The Revenue has decreased by -9.82% in the past year.
G shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.37% yearly.
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
Based on estimates for the next years, G will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.40% on average per year.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.94% yearly.
EPS Next Y16.08%
EPS Next 2Y12.44%
EPS Next 3Y11.02%
EPS Next 5Y8.4%
Revenue Next Year5.01%
Revenue Next 2Y4.71%
Revenue Next 3Y4.65%
Revenue Next 5Y3.94%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.61 indicates a correct valuation of G.
G's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (26.10), we can say G is valued slightly cheaper.
With a Price/Forward Earnings ratio of 10.77, the valuation of G can be described as very reasonable.
G's Price/Forward Earnings is on the same level as the industry average.
G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.61 | ||
| Fwd PE | 10.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, G is valued cheaply inside the industry as 95.35% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.82 | ||
| 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)0.85
PEG (5Y)1.74
EPS Next 2Y12.44%
EPS Next 3Y11.02%
5. Dividend
5.1 Amount
G has a Yearly Dividend Yield of 4.39%, which is a nice return.
Compared to an average industry Dividend Yield of 4.57, G has a dividend in line with its industry peers.
G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
5.2 History
The dividend of G is nicely growing with an annual growth rate of 7.30%!
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 2Y12.44%
EPS Next 3Y11.02%
BIT:G (10/31/2025, 7:00:00 PM)
33.35
-0.11 (-0.33%)
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 Cap51.69B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts69.6
Price Target33.46 (0.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
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)0.83%
PT rev (3m)5.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.61 | ||
| Fwd PE | 10.77 | ||
| P/S | 1.05 | ||
| P/FCF | 2.82 | ||
| P/OCF | 2.74 | ||
| P/B | 1.74 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.35%
EPS(NY)3.1
Fwd EY9.29%
FCF(TTM)11.83
FCFY35.47%
OCF(TTM)12.16
OCFY36.45%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.85
PEG (5Y)1.74
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
WACC6.29%
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 Y16.08%
EPS Next 2Y12.44%
EPS Next 3Y11.02%
EPS Next 5Y8.4%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year5.01%
Revenue Next 2Y4.71%
Revenue Next 3Y4.65%
Revenue Next 5Y3.94%
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 16.08% 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%.