GENERALI (G.MI) Fundamental Analysis & Valuation

BIT:G • IT0000062072

32.99 EUR
-0.29 (-0.87%)
Last: Mar 11, 2026, 10:30 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

4

G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 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.


Dividend Valuation Growth Profitability Health

5

1. G.MI Profitability Analysis

1.1 Basic Checks

  • G had positive earnings in the past year.
  • In the past year G had a positive cash flow from operations.
  • In the past 5 years G has always been profitable.
  • Each year in the past 5 years G had a positive operating cash flow.
G.MI Yearly Net Income VS EBIT VS OCF VS FCFG.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 5B 10B 15B 20B

1.2 Ratios

  • The Return On Assets of G (0.71%) is worse than 68.09% of its industry peers.
  • With a Return On Equity value of 12.87%, G perfoms like the industry average, outperforming 40.43% of the companies in the same industry.
  • With a Return On Invested Capital value of 0.93%, G perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
  • G had an Average Return On Invested Capital over the past 3 years of 0.73%. This is below the industry average of 3.45%.
  • The 3 year average ROIC (0.73%) for G is below the current ROIC(0.93%), indicating increased profibility in the last year.
Industry RankSector 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%
G.MI Yearly ROA, ROE, ROICG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • G has a worse Profit Margin (7.79%) than 61.70% of its industry peers.
  • G's Profit Margin has improved in the last couple of years.
  • G's Operating Margin of 15.75% is fine compared to the rest of the industry. G outperforms 72.34% of its industry peers.
  • G's Operating Margin has improved in the last couple of years.
Industry RankSector 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
G.MI Yearly Profit, Operating, Gross MarginsG.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

2. G.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), G is destroying value.
  • G has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for G has been reduced compared to 5 years ago.
  • Compared to 1 year ago, G has a worse debt to assets ratio.
G.MI Yearly Shares OutstandingG.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
G.MI Yearly Total Debt VS Total AssetsG.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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.
  • Looking at the Debt to FCF ratio, with a value of 2.11, G is in line with its industry, outperforming 57.45% of the companies in the same industry.
  • G has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.30, G is not doing good in the industry: 78.72% of the companies in the same industry are doing better.
  • 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 RankSector Rank
Debt/Equity 1.3
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACC0.15
WACC6.4%
G.MI Yearly LT Debt VS Equity VS FCFG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
G.MI Yearly Current Assets VS Current LiabilitesG.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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3

3. G.MI Growth Analysis

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.
  • G shows a decrease in Revenue. In the last year, the revenue decreased by -9.82%.
  • The Revenue for G have been decreasing by -14.37% on average. This is quite bad
EPS 1Y (TTM)5.6%
EPS 3Y11.24%
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

  • The Earnings Per Share is expected to grow by 8.10% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 4.84% on average over the next years.
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%

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 stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
G.MI Yearly Revenue VS EstimatesG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B 80B 100B
G.MI Yearly EPS VS EstimatesG.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1 2 3 4 5

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5

4. G.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • G is valuated correctly with a Price/Earnings ratio of 13.47.
  • 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 (26.25), we can say G is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 10.56, the valuation of G can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of G is on the same level as its industry peers.
  • G is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.39, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.47
Fwd PE 10.56
G.MI Price Earnings VS Forward Price EarningsG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • G's Price/Free Cash Flow ratio is rather cheap when compared to the industry. G is cheaper than 93.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.79
EV/EBITDA N/A
G.MI Per share dataG.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)0.85
PEG (5Y)1.72
EPS Next 2Y12.94%
EPS Next 3Y11.37%

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

7

5. G.MI Dividend Analysis

5.1 Amount

  • G has a Yearly Dividend Yield of 4.24%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.21, G has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, G pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.24%

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

  • G pays out 56.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of G is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP56.8%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
G.MI Yearly Income VS Free CF VS DividendG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
G.MI Dividend Payout.G.MI Dividend Payout, showing the Payout Ratio.G.MI Dividend Payout.PayoutRetained Earnings

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G.MI Fundamentals: All Metrics, Ratios and Statistics

GENERALI

BIT:G (3/11/2026, 10:30:18 AM)

32.99

-0.29 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)03-12
Inst Owners33.69%
Inst Owner ChangeN/A
Ins Owners16.33%
Ins Owner ChangeN/A
Market Cap51.13B
Revenue(TTM)49.09B
Net Income(TTM)3.82B
Analysts74.07
Price Target36.64 (11.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.24%
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)1.83%
PT rev (3m)6.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.38%
Valuation
Industry RankSector Rank
PE 13.47
Fwd PE 10.56
P/S 1.04
P/FCF 2.79
P/OCF 2.71
P/B 1.72
P/tB 2.86
EV/EBITDA N/A
EPS(TTM)2.45
EY7.43%
EPS(NY)3.13
Fwd EY9.47%
FCF(TTM)11.83
FCFY35.85%
OCF(TTM)12.16
OCFY36.85%
SpS31.68
BVpS19.18
TBVpS11.53
PEG (NY)0.85
PEG (5Y)1.72
Graham Number32.51
Profitability
Industry RankSector 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 RankSector 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
WACC6.4%
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 3Y11.24%
EPS 5Y7.84%
EPS Q2Q%133.85%
EPS Next Y15.76%
EPS Next 2Y12.94%
EPS Next 3Y11.37%
EPS Next 5Y8.1%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y-24.15%
Revenue growth 5Y-14.37%
Sales Q2Q%-2.56%
Revenue Next Year5.11%
Revenue Next 2Y4.96%
Revenue Next 3Y4.73%
Revenue Next 5Y4.84%
EBIT growth 1Y12.12%
EBIT growth 3Y-1.02%
EBIT growth 5Y3.86%
EBIT Next Year1399.42%
EBIT Next 3Y153.35%
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.


What is the valuation status for G stock?

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.


How financially healthy is GENERALI?

The financial health rating of GENERALI (G.MI) is 2 / 10.


Is the dividend of GENERALI sustainable?

The dividend rating of GENERALI (G.MI) is 7 / 10 and the dividend payout ratio is 56.8%.