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GENERALI (G.MI) Stock Fundamental Analysis

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

32.22  -0.48 (-1.47%)

Fundamental Rating

4

G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 37 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 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

G had positive earnings in the past year.
In the past year G had a positive cash flow from operations.
G had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

G has a worse Return On Assets (0.69%) than 64.86% of its industry peers.
G's Return On Equity of 12.25% is in line compared 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.
Measured over the past 3 years, the Average Return On Invested Capital for G 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

G's Profit Margin of 6.50% is on the low side compared to the rest of the industry. G is outperformed by 62.16% of its industry peers.
G's Profit Margin has improved in the last couple of years.
The Operating Margin of G (14.76%) is better than 72.97% of its industry peers.
In the last couple of years the Operating Margin of G has grown nicely.
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so G is destroying value.
Compared to 1 year ago, G has less shares outstanding
G has less shares outstanding than it did 5 years ago.
G has a worse debt/assets ratio than last year.
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 2.50, which is a good value as it means it would take G, 2.50 years of fcf income to pay off all of its debts.
G's Debt to FCF ratio of 2.50 is fine compared to the rest of the industry. G outperforms 67.57% of its industry peers.
G has a Debt/Equity ratio of 1.24. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.24, G is doing worse than 75.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.24
Debt/FCF 2.5
Altman-Z N/A
ROIC/WACC0.17
WACC6.85%
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.
G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.84% yearly.
G shows a small growth in Revenue. In the last year, the Revenue has grown by 6.77%.
Measured over the past years, G shows a decrease in Revenue. The Revenue has been decreasing by -9.23% on average per year.
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

The Earnings Per Share is expected to grow by 8.67% on average over the next years. This is quite good.
Based on estimates for the next years, G will show a small growth in Revenue. The Revenue will grow by 4.57% on average per year.
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

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.
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.
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

Based on the Price/Earnings ratio of 12.84, the valuation of G can be described as correct.
Based on the Price/Earnings ratio, G is valued a bit cheaper than 64.86% of the companies in the same industry.
G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.
G is valuated reasonably with a Price/Forward Earnings ratio of 10.76.
G's Price/Forward Earnings ratio is in line with the industry average.
G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 12.84
Fwd PE 10.76
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of G indicates a rather cheap valuation: G is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.33
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

The 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)1.64
EPS Next 2Y10.56%
EPS Next 3Y10.28%

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7

5. Dividend

5.1 Amount

G has a Yearly Dividend Yield of 4.29%, which is a nice return.
Compared to an average industry Dividend Yield of 4.50, 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 2.40.
Industry RankSector Rank
Dividend Yield 4.29%

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 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%
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 (5/29/2025, 5:35:15 PM)

32.22

-0.48 (-1.47%)

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 Cap49.93B
Analysts67.41
Price Target30.86 (-4.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 12.84
Fwd PE 10.76
P/S 0.87
P/FCF 3.33
P/OCF 3.25
P/B 1.64
P/tB 2.7
EV/EBITDA N/A
EPS(TTM)2.51
EY7.79%
EPS(NY)2.99
Fwd EY9.3%
FCF(TTM)9.68
FCFY30.05%
OCF(TTM)9.93
OCFY30.81%
SpS36.96
BVpS19.61
TBVpS11.95
PEG (NY)0.97
PEG (5Y)1.64
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
WACC6.85%
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%