GENERALI (G.MI) Stock Fundamental Analysis
Europe - BIT:G - IT0000062072 - Common Stock
32.66 EUR
-0.29 (-0.88%)
Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 40 industry peers in the Insurance industry. G has a medium profitability rating, but doesn't score so well on its financial health evaluation. G has a decent growth rate and is not valued too expensively. Finally G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year G was profitable.
In the past year G had a positive cash flow from operations.
G had positive earnings in each of the past 5 years.
G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.71%, G is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
G has a Return On Equity of 12.87%. This is comparable to the rest of the industry: G outperforms 45.00% of its industry peers.
G has a Return On Invested Capital of 1.08%. This is comparable to the rest of the industry: G outperforms 50.00% 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 2.35%.
The last Return On Invested Capital (1.08%) for G is above the 3 year average (1.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROIC | 1.08% |
ROA(3y)0.62%
ROA(5y)0.54%
ROE(3y)11.19%
ROE(5y)9.82%
ROIC(3y)1.02%
ROIC(5y)0.99%
1.3 Margins
G has a Profit Margin of 6.59%. This is in the lower half of the industry: G underperforms 65.00% of its industry peers.
G's Profit Margin has improved in the last couple of years.
G's Operating Margin of 13.98% is fine compared to the rest of the industry. G outperforms 65.00% of its industry peers.
G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| GM | N/A |
OM growth 3Y22.73%
OM growth 5Y16.91%
PM growth 3Y30.83%
PM growth 5Y17.75%
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.
G has less shares outstanding than it did 1 year ago.
G has less shares outstanding than it did 5 years ago.
The debt/assets ratio for G is higher compared to a year ago.
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 better Debt to FCF ratio (2.11) than 67.50% 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.
With a Debt to Equity ratio value of 1.30, G is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Although G does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.17
WACC6.5%
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%.
The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
G shows a small growth in Revenue. In the last year, the Revenue has grown by 3.72%.
The Revenue has been decreasing by -9.23% on average over the past years.
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%6.9%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
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 8.20% on average per year.
Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 3.63% on average per year.
EPS Next Y16.08%
EPS Next 2Y12.44%
EPS Next 3Y11.02%
EPS Next 5Y8.2%
Revenue Next Year4.89%
Revenue Next 2Y4.65%
Revenue Next 3Y4.61%
Revenue Next 5Y3.63%
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
The Price/Earnings ratio is 13.33, which indicates a correct valuation of G.
G's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.86, G is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.54, the valuation of G can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of G is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.33 | ||
| Fwd PE | 10.54 |
4.2 Price Multiples
97.50% of the companies in the same industry are more expensive than G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)1.7
EPS Next 2Y12.44%
EPS Next 3Y11.02%
5. Dividend
5.1 Amount
G has a Yearly Dividend Yield of 4.34%, which is a nice return.
G's Dividend Yield is comparable with the industry average which is at 4.62.
Compared to an average S&P500 Dividend Yield of 2.41, G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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 (10/3/2025, 7:00:00 PM)
32.66
-0.29 (-0.88%)
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 Cap50.62B
Analysts69.6
Price Target33.46 (2.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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)2.4%
PT rev (3m)4.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.17%
EPS NY rev (3m)2.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.89%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.33 | ||
| Fwd PE | 10.54 | ||
| P/S | 0.87 | ||
| P/FCF | 2.76 | ||
| P/OCF | 2.69 | ||
| P/B | 1.7 | ||
| P/tB | 2.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.5%
EPS(NY)3.1
Fwd EY9.48%
FCF(TTM)11.83
FCFY36.22%
OCF(TTM)12.16
OCFY37.22%
SpS37.47
BVpS19.18
TBVpS11.53
PEG (NY)0.83
PEG (5Y)1.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROCE | 1.53% | ||
| ROIC | 1.08% | ||
| ROICexc | 1.1% | ||
| ROICexgc | 1.15% | ||
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| GM | N/A | ||
| FCFM | 31.57% |
ROA(3y)0.62%
ROA(5y)0.54%
ROE(3y)11.19%
ROE(5y)9.82%
ROIC(3y)1.02%
ROIC(5y)0.99%
ROICexc(3y)1.04%
ROICexc(5y)1.01%
ROICexgc(3y)1.08%
ROICexgc(5y)1.05%
ROCE(3y)1.44%
ROCE(5y)1.4%
ROICexcg growth 3Y5.43%
ROICexcg growth 5Y5.15%
ROICexc growth 3Y5.74%
ROICexc growth 5Y5.3%
OM growth 3Y22.73%
OM growth 5Y16.91%
PM growth 3Y30.83%
PM growth 5Y17.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | 4.52 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 479.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.5%
ROIC/WACC0.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.99%
Cap/Sales(5y)N/A
Profit Quality(3y)288.69%
Profit Quality(5y)514%
High Growth Momentum
Growth
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%6.9%
EPS Next Y16.08%
EPS Next 2Y12.44%
EPS Next 3Y11.02%
EPS Next 5Y8.2%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
Revenue Next Year4.89%
Revenue Next 2Y4.65%
Revenue Next 3Y4.61%
Revenue Next 5Y3.63%
EBIT growth 1Y-3.7%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
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%