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GENERALI (G.MI) Stock Fundamental Analysis

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

33.19  -0.03 (-0.09%)

Fundamental Rating

4

Taking everything into account, G scores 4 out of 10 in our fundamental rating. G was compared to 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 is not valued too expensively and it also shows a decent 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.
Each year in the past 5 years G has been profitable.
G had a positive operating cash flow in each of the past 5 years.
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

With a Return On Assets value of 0.69%, G is not doing good in the industry: 64.86% of the companies in the same industry are doing better.
The Return On Equity of G (12.25%) is comparable to the rest of the industry.
G's Return On Invested Capital of 1.14% is in line compared to the rest of the industry. G outperforms 54.05% of its industry peers.
The Average Return On Invested Capital over the past 3 years 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 has a worse Profit Margin (6.50%) than 62.16% of its industry peers.
In the last couple of years the Profit Margin of G has grown nicely.
The Operating Margin of G (14.76%) is better than 72.97% of its industry peers.
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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so G is destroying value.
The number of shares outstanding for G has been reduced compared to 1 year ago.
G has less shares outstanding than it did 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 2.50, 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.
With a Debt to Equity ratio value of 1.24, G is not doing good in the industry: 75.68% of the companies in the same industry are doing better.
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

The Earnings Per Share has grown by an nice 11.56% 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 small growth in Revenue. In the last year, the Revenue has grown by 6.77%.
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.
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

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 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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.22, which indicates a correct valuation of G.
Compared to the rest of the industry, the Price/Earnings ratio of G indicates a somewhat cheap valuation: G is cheaper than 64.86% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of G to the average of the S&P500 Index (25.91), we can say G is valued slightly cheaper.
A Price/Forward Earnings ratio of 11.08 indicates a reasonable valuation of G.
G's Price/Forward Earnings ratio is in line with the industry average.
G is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.22
Fwd PE 11.08
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

G's Price/Free Cash Flow ratio is rather cheap when compared to the industry. G is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.43
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1
PEG (5Y)1.69
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.
G's Dividend Yield is comparable with the industry average which is at 4.50.
Compared to an average S&P500 Dividend Yield of 2.40, G pays a better dividend.
Industry RankSector 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%
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 (5/27/2025, 5:36:15 PM)

33.19

-0.03 (-0.09%)

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 Cap51.44B
Analysts67.41
Price Target30.86 (-7.02%)
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 13.22
Fwd PE 11.08
P/S 0.9
P/FCF 3.43
P/OCF 3.34
P/B 1.69
P/tB 2.78
EV/EBITDA N/A
EPS(TTM)2.51
EY7.56%
EPS(NY)2.99
Fwd EY9.02%
FCF(TTM)9.68
FCFY29.17%
OCF(TTM)9.93
OCFY29.91%
SpS36.96
BVpS19.61
TBVpS11.95
PEG (NY)1
PEG (5Y)1.69
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%