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GENERALI (G.MI) Stock Fundamental Analysis

BIT:G - Euronext Milan - IT0000062072 - Common Stock - Currency: EUR

32.05  -0.17 (-0.53%)

Fundamental Rating

4

Overall G gets a fundamental rating of 4 out of 10. We evaluated G against 37 industry peers in the Insurance industry. There are concerns on the financial health of G while its profitability can be described as average. G has a correct valuation and a medium growth rate. G also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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5

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.
In the past 5 years G has always been profitable.
In the past 5 years G always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

G's Return On Assets of 0.69% is on the low side compared to the rest of the industry. G is outperformed by 64.86% of its industry peers.
G has a Return On Equity (12.25%) which is in line with its industry peers.
With a Return On Invested Capital value of 1.14%, G perfoms like the industry average, outperforming 54.05% of the companies in the same industry.
G had an Average Return On Invested Capital over the past 3 years of 1.02%. This is in line with the industry average of 2.10%.
The 3 year average ROIC (1.02%) for G is below the current ROIC(1.14%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.69%
ROE 12.25%
ROIC 1.14%
ROA(3y)0.62%
ROA(5y)0.54%
ROE(3y)11.19%
ROE(5y)9.82%
ROIC(3y)1.02%
ROIC(5y)0.99%
G.MI Yearly ROA, ROE, ROICG.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of G (6.50%) is worse than 62.16% of its industry peers.
G's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 14.76%, G is doing good in the industry, outperforming 72.97% of the companies in the same industry.
G's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 14.76%
PM (TTM) 6.5%
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
G.MI Yearly Profit, Operating, Gross MarginsG.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

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.
Compared to 1 year ago, G has less shares outstanding
Compared to 5 years ago, G has less shares outstanding
The debt/assets ratio for G is higher compared to a year ago.
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

G has a debt to FCF ratio of 2.50. This is a good value and a sign of high solvency as G would need 2.50 years to pay back of all of its debts.
G has a better Debt to FCF ratio (2.50) than 67.57% of its industry peers.
A Debt/Equity ratio of 1.24 is on the high side and indicates that G has dependencies on debt financing.
G's Debt to Equity ratio of 1.24 is on the low side compared to the rest of the industry. G is outperformed by 75.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF 2.5
Altman-Z N/A
ROIC/WACC0.17
WACC6.84%
G.MI Yearly LT Debt VS Equity VS FCFG.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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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4

3. Growth

3.1 Past

G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.56%, which is quite good.
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 small growth in Revenue. In the last year, the Revenue has grown by 6.77%.
G shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.23% yearly.
EPS 1Y (TTM)11.56%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%8.22%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%N/A

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 8.67% on average per year.
The Revenue is expected to grow by 4.57% on average over the next years.
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.67%
Revenue Next Year4.72%
Revenue Next 2Y4.34%
Revenue Next 3Y5.35%
Revenue Next 5Y4.57%

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.
G.MI Yearly Revenue VS EstimatesG.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

G is valuated correctly with a Price/Earnings ratio of 12.77.
G's Price/Earnings ratio is a bit cheaper when compared to the industry. G is cheaper than 64.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.25, G is valued rather cheaply.
The Price/Forward Earnings ratio is 10.70, which indicates a very decent valuation of G.
G's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of G to the average of the S&P500 Index (22.15), we can say G is valued rather cheaply.
Industry RankSector Rank
PE 12.77
Fwd PE 10.7
G.MI Price Earnings VS Forward Price EarningsG.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, G is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.31
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)0.97
PEG (5Y)1.63
EPS Next 2Y10.56%
EPS Next 3Y10.28%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.44%, G is a good candidate for dividend investing.
G's Dividend Yield is comparable with the industry average which is at 4.50.
G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.44%

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

53.33% 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.
DP53.33%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
G.MI Yearly Income VS Free CF VS DividendG.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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GENERALI

BIT:G (5/30/2025, 7:00:00 PM)

32.05

-0.17 (-0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-22 2025-05-22/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners33.62%
Inst Owner ChangeN/A
Ins Owners16.85%
Ins Owner ChangeN/A
Market Cap49.67B
Analysts67.41
Price Target30.86 (-3.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend1.28
Dividend Growth(5Y)7.3%
DP53.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.03%
Min EPS beat(2)-39.48%
Max EPS beat(2)-10.58%
EPS beat(4)1
Avg EPS beat(4)-15.42%
Min EPS beat(4)-39.48%
Max EPS beat(4)13.6%
EPS beat(8)3
Avg EPS beat(8)-8.53%
EPS beat(12)3
Avg EPS beat(12)-13.21%
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)0.82%
PT rev (3m)4.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.22%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 12.77
Fwd PE 10.7
P/S 0.87
P/FCF 3.31
P/OCF 3.23
P/B 1.63
P/tB 2.68
EV/EBITDA N/A
EPS(TTM)2.51
EY7.83%
EPS(NY)2.99
Fwd EY9.34%
FCF(TTM)9.68
FCFY30.21%
OCF(TTM)9.93
OCFY30.97%
SpS36.96
BVpS19.61
TBVpS11.95
PEG (NY)0.97
PEG (5Y)1.63
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 12.25%
ROCE 1.6%
ROIC 1.14%
ROICexc 1.14%
ROICexgc 1.19%
OM 14.76%
PM (TTM) 6.5%
GM N/A
FCFM 26.2%
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-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF 2.5
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.66%
Interest Coverage 4.13
Cash Conversion N/A
Profit Quality 402.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.84%
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)11.56%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%8.22%
EPS Next Y13.18%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
EPS Next 5Y8.67%
Revenue 1Y (TTM)6.77%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%N/A
Revenue Next Year4.72%
Revenue Next 2Y4.34%
Revenue Next 3Y5.35%
Revenue Next 5Y4.57%
EBIT growth 1Y2.52%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
EBIT Next Year1434.03%
EBIT Next 3Y156.59%
EBIT Next 5YN/A
FCF growth 1Y864.95%
FCF growth 3Y-4.96%
FCF growth 5Y-5.36%
OCF growth 1Y788.16%
OCF growth 3Y-4.17%
OCF growth 5Y-5.43%