GENERALI (G.MI) Stock Fundamental Analysis
BIT:G - Euronext Milan - IT0000062072 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to G. G was compared to 37 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. 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.
In the past 5 years G always reported a positive cash flow from operatings.
1.2 Ratios
G has a worse Return On Assets (0.69%) than 64.86% of its industry peers.
G has a Return On Equity of 12.25%. This is comparable to the rest of the industry: G outperforms 45.95% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.14%, G is in line with its industry, outperforming 54.05% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for G is in line with the industry average of 2.10%.
The last Return On Invested Capital (1.14%) for G is above the 3 year average (1.02%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
G has a worse Profit Margin (6.50%) than 62.16% of its industry peers.
G's Profit Margin has improved in the last couple of years.
G has a better Operating Margin (14.76%) than 72.97% of its industry peers.
G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), G is destroying value.
Compared to 1 year ago, G has less shares outstanding
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.
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.
With a decent Debt to FCF ratio value of 2.50, G is doing good in the industry, outperforming 67.57% of the companies in the same industry.
G has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
G has a Debt to Equity ratio of 1.24. This is in the lower half of the industry: G underperforms 75.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.24 | ||
| Debt/FCF | 2.5 | ||
| Altman-Z | N/A |
ROIC/WACC0.17
WACC6.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has been growing slightly by 6.77% in the past year.
The Revenue has been decreasing by -9.23% on average over the past years.
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.
G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.57% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.03, which indicates a correct valuation of G.
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.
When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (26.35), we can say G is valued rather cheaply.
G is valuated reasonably with a Price/Forward Earnings ratio of 10.92.
The rest of the industry has a similar Price/Forward Earnings ratio as G.
The average S&P500 Price/Forward Earnings ratio is at 22.20. G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.92 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.38 | ||
| 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)0.99
PEG (5Y)1.66
EPS Next 2Y10.56%
EPS Next 3Y10.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.50, G has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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
G pays out 53.33% 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.
DP53.33%
EPS Next 2Y10.56%
EPS Next 3Y10.28%
BIT:G (5/28/2025, 5:35:15 PM)
32.7
-0.49 (-1.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.62%
Inst Owner ChangeN/A
Ins Owners16.85%
Ins Owner ChangeN/A
Market Cap50.68B
Analysts67.41
Price Target30.86 (-5.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.92 | ||
| P/S | 0.88 | ||
| P/FCF | 3.38 | ||
| P/OCF | 3.29 | ||
| P/B | 1.67 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.51
EY7.68%
EPS(NY)2.99
Fwd EY9.16%
FCF(TTM)9.68
FCFY29.61%
OCF(TTM)9.93
OCFY30.35%
SpS36.96
BVpS19.61
TBVpS11.95
PEG (NY)0.99
PEG (5Y)1.66
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC6.85%
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%