GENERALI (G.MI) Stock Fundamental Analysis
BIT:G - IT0000062072 - Common Stock
33.21 EUR
-0.13 (-0.39%)
G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 36 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 decent growth rate and is not valued too expensively. G also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
G had positive earnings in the past year.
G had a positive operating cash flow in the past year.
Each year in the past 5 years G has been profitable.
In the past 5 years G always reported a positive cash flow from operatings.
1.2 Ratios
G has a worse Return On Assets (0.71%) than 72.22% of its industry peers.
G's Return On Equity of 12.87% is in line compared to the rest of the industry. G outperforms 41.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.08%, G is in line with its industry, outperforming 44.44% 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 2.28%.
The 3 year average ROIC (1.02%) for G is below the current ROIC(1.08%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROIC | 1.08% |
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's Profit Margin of 6.59% is on the low side compared to the rest of the industry. G is outperformed by 69.44% of its industry peers.
In the last couple of years the Profit Margin of G has grown nicely.
The Operating Margin of G (13.98%) is better than 66.67% of its industry peers.
G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
G has a worse debt/assets ratio than last year.
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.
With a decent Debt to FCF ratio value of 2.11, G is doing good in the industry, outperforming 61.11% 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: 83.33% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACC0.17
WACC6.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.60%.
The Earnings Per Share has been growing slightly by 7.84% on average over the past years.
Looking at the last year, G shows a small growth in Revenue. The Revenue has grown by 3.72% in the last year.
The Revenue has been decreasing by -9.23% on average over the past years.
EPS 1Y (TTM)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%6.9%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
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 8.17% on average per year.
The Revenue is expected to grow by 3.61% on average over the next years.
EPS Next Y15.88%
EPS Next 2Y12.38%
EPS Next 3Y11.05%
EPS Next 5Y8.17%
Revenue Next Year5.83%
Revenue Next 2Y5.12%
Revenue Next 3Y4.89%
Revenue Next 5Y3.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.56, the valuation of G can be described as correct.
Based on the Price/Earnings ratio, G is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
G's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.
With a Price/Forward Earnings ratio of 10.73, the valuation of G can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as G.
G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.56 | ||
| Fwd PE | 10.73 |
4.2 Price Multiples
G's Price/Free Cash Flow ratio is rather cheap when compared to the industry. G is cheaper than 97.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.81 | ||
| 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)0.85
PEG (5Y)1.73
EPS Next 2Y12.38%
EPS Next 3Y11.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, G is a good candidate for dividend investing.
G's Dividend Yield is comparable with the industry average which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.32, G pays a better dividend.
| Industry Rank | Sector 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 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 2Y12.38%
EPS Next 3Y11.05%
BIT:G (9/5/2025, 7:00:00 PM)
33.21
-0.13 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners34.09%
Inst Owner ChangeN/A
Ins Owners17.17%
Ins Owner ChangeN/A
Market Cap51.47B
Analysts68.8
Price Target32.72 (-1.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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)2.33%
PT rev (3m)5.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.39%
EPS NY rev (3m)2.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.37%
Revenue NY rev (3m)1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.56 | ||
| Fwd PE | 10.73 | ||
| P/S | 0.89 | ||
| P/FCF | 2.81 | ||
| P/OCF | 2.73 | ||
| P/B | 1.73 | ||
| P/tB | 2.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY7.38%
EPS(NY)3.09
Fwd EY9.32%
FCF(TTM)11.83
FCFY35.62%
OCF(TTM)12.16
OCFY36.6%
SpS37.47
BVpS19.18
TBVpS11.53
PEG (NY)0.85
PEG (5Y)1.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 12.87% | ||
| ROCE | 1.53% | ||
| ROIC | 1.08% | ||
| ROICexc | 1.1% | ||
| ROICexgc | 1.15% | ||
| OM | 13.98% | ||
| PM (TTM) | 6.59% | ||
| GM | N/A | ||
| FCFM | 31.57% |
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-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | 4.52 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 479.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.42%
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)5.6%
EPS 3Y10.75%
EPS 5Y7.84%
EPS Q2Q%6.9%
EPS Next Y15.88%
EPS Next 2Y12.38%
EPS Next 3Y11.05%
EPS Next 5Y8.17%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y-16.41%
Revenue growth 5Y-9.23%
Sales Q2Q%2.84%
Revenue Next Year5.83%
Revenue Next 2Y5.12%
Revenue Next 3Y4.89%
Revenue Next 5Y3.61%
EBIT growth 1Y-3.7%
EBIT growth 3Y2.59%
EBIT growth 5Y6.12%
EBIT Next Year1434.03%
EBIT Next 3Y156.59%
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%