HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
259.4 EUR
+0.6 (+0.23%)
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. HNR1 scores excellent on profitability, but there are some minor concerns on its financial health. HNR1 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HNR1 was profitable.
HNR1 had a positive operating cash flow in the past year.
In the past 5 years HNR1 has always been profitable.
Each year in the past 5 years HNR1 had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 3.58%, HNR1 belongs to the best of the industry, outperforming 89.36% of the companies in the same industry.
HNR1 has a better Return On Equity (22.37%) than 89.36% of its industry peers.
HNR1 has a better Return On Invested Capital (4.29%) than 95.74% of its industry peers.
HNR1 had an Average Return On Invested Capital over the past 3 years of 2.80%. This is in line with the industry average of 2.11%.
The 3 year average ROIC (2.80%) for HNR1 is below the current ROIC(4.29%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 22.37% | ||
| ROIC | 4.29% |
ROA(3y)2.42%
ROA(5y)1.99%
ROE(3y)15.46%
ROE(5y)12.95%
ROIC(3y)2.8%
ROIC(5y)2.2%
1.3 Margins
HNR1 has a Profit Margin of 63.51%. This is amongst the best in the industry. HNR1 outperforms 97.87% of its industry peers.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
HNR1 has a better Operating Margin (87.59%) than 100.00% of its industry peers.
In the last couple of years the Operating Margin of HNR1 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 87.59% | ||
| PM (TTM) | 63.51% | ||
| GM | N/A |
OM growth 3Y151.65%
OM growth 5Y62.65%
PM growth 3Y132.58%
PM growth 5Y58.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HNR1 has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, HNR1 has about the same amount of shares outstanding.
The debt/assets ratio for HNR1 has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of HNR1 is 0.78, which is an excellent value as it means it would take HNR1, only 0.78 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.78, HNR1 belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
HNR1 has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
HNR1 has a better Debt to Equity ratio (0.37) than 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
HNR1 has a Current Ratio of 0.27. This is a bad value and indicates that HNR1 is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.27, HNR1 is doing good in the industry, outperforming 72.34% of the companies in the same industry.
HNR1 has a Quick Ratio of 0.27. This is a bad value and indicates that HNR1 is not financially healthy enough and could expect problems in meeting its short term obligations.
HNR1's Quick ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 72.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.70% over the past year.
HNR1 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.64% yearly.
The Revenue has grown by 60.90% in the past year. This is a very strong growth!
Measured over the past years, HNR1 shows a very negative growth in Revenue. The Revenue has been decreasing by -28.84% on average per year.
EPS 1Y (TTM)9.7%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-1.82%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-6.08%
3.2 Future
HNR1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.90% yearly.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 3.11% on average per year.
EPS Next Y12.59%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
EPS Next 5Y8.9%
Revenue Next Year5.61%
Revenue Next 2Y3.8%
Revenue Next 3Y4.19%
Revenue Next 5Y3.11%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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
HNR1 is valuated correctly with a Price/Earnings ratio of 12.67.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than the industry average as 70.21% of the companies are valued more expensively.
HNR1 is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.41, the valuation of HNR1 can be described as reasonable.
HNR1's Price/Forward Earnings ratio is in line with the industry average.
HNR1's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.41 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than the industry average as 72.34% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HNR1's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HNR1 has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.01
PEG (5Y)1
EPS Next 2Y8.53%
EPS Next 3Y6.97%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.44.
HNR1's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
5.2 History
The dividend of HNR1 has a limited annual growth rate of 5.85%.
Dividend Growth(5Y)5.85%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
45.20% of the earnings are spent on dividend by HNR1. This is a bit on the high side, but may be sustainable.
The dividend of HNR1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.2%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
FRA:HNR1 (11/28/2025, 7:00:00 PM)
259.4
+0.6 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners25.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.28B
Revenue(TTM)3.93B
Net Income(TTM)2.48B
Analysts78.26
Price Target298.66 (15.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.48% |
Yearly Dividend7.57
Dividend Growth(5Y)5.85%
DP45.2%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.13%
Min EPS beat(2)-15.74%
Max EPS beat(2)1.47%
EPS beat(4)2
Avg EPS beat(4)-2%
Min EPS beat(4)-15.74%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)1.35%
EPS beat(12)6
Avg EPS beat(12)-3.6%
EPS beat(16)8
Avg EPS beat(16)226.15%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)-1.54%
Max Revenue beat(2)1.99%
Revenue beat(4)3
Avg Revenue beat(4)0.87%
Min Revenue beat(4)-1.54%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-1.22%
Revenue beat(12)5
Avg Revenue beat(12)-22.67%
Revenue beat(16)6
Avg Revenue beat(16)-27.25%
PT rev (1m)1.57%
PT rev (3m)0.8%
EPS NQ rev (1m)-5.41%
EPS NQ rev (3m)0.65%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.53%
Revenue NY rev (1m)-0.43%
Revenue NY rev (3m)-2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.41 | ||
| P/S | 8.01 | ||
| P/FCF | 5.94 | ||
| P/OCF | 5.94 | ||
| P/B | 2.82 | ||
| P/tB | 2.84 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY7.89%
EPS(NY)22.74
Fwd EY8.77%
FCF(TTM)43.65
FCFY16.83%
OCF(TTM)43.65
OCFY16.83%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)1.01
PEG (5Y)1
Graham Number205.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.58% | ||
| ROE | 22.37% | ||
| ROCE | 4.96% | ||
| ROIC | 4.29% | ||
| ROICexc | 4.36% | ||
| ROICexgc | 4.58% | ||
| OM | 87.59% | ||
| PM (TTM) | 63.51% | ||
| GM | N/A | ||
| FCFM | 134.74% |
ROA(3y)2.42%
ROA(5y)1.99%
ROE(3y)15.46%
ROE(5y)12.95%
ROIC(3y)2.8%
ROIC(5y)2.2%
ROICexc(3y)2.85%
ROICexc(5y)2.24%
ROICexgc(3y)2.97%
ROICexgc(5y)2.44%
ROCE(3y)3.23%
ROCE(5y)2.54%
ROICexgc growth 3Y32.84%
ROICexgc growth 5Y11.08%
ROICexc growth 3Y40.56%
ROICexc growth 5Y15.67%
OM growth 3Y151.65%
OM growth 5Y62.65%
PM growth 3Y132.58%
PM growth 5Y58.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.94 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 212.15% | ||
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 | ||
| Altman-Z | N/A |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)398.21%
Profit Quality(5y)387.53%
High Growth Momentum
Growth
EPS 1Y (TTM)9.7%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-1.82%
EPS Next Y12.59%
EPS Next 2Y8.53%
EPS Next 3Y6.97%
EPS Next 5Y8.9%
Revenue 1Y (TTM)60.9%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-6.08%
Revenue Next Year5.61%
Revenue Next 2Y3.8%
Revenue Next 3Y4.19%
Revenue Next 5Y3.11%
EBIT growth 1Y50.38%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year11.27%
EBIT Next 3Y6.09%
EBIT Next 5YN/A
FCF growth 1Y-7.24%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-7.24%
OCF growth 3Y4.77%
OCF growth 5Y17.76%
HANNOVER RUECK SE / HNR1.DE FAQ
What is the fundamental rating for HNR1 stock?
ChartMill assigns a fundamental rating of 6 / 10 to HNR1.DE.
Can you provide the valuation status for HANNOVER RUECK SE?
ChartMill assigns a valuation rating of 6 / 10 to HANNOVER RUECK SE (HNR1.DE). This can be considered as Fairly Valued.
What is the profitability of HNR1 stock?
HANNOVER RUECK SE (HNR1.DE) has a profitability rating of 8 / 10.
What is the financial health of HANNOVER RUECK SE (HNR1.DE) stock?
The financial health rating of HANNOVER RUECK SE (HNR1.DE) is 5 / 10.
What is the expected EPS growth for HANNOVER RUECK SE (HNR1.DE) stock?
The Earnings per Share (EPS) of HANNOVER RUECK SE (HNR1.DE) is expected to grow by 12.59% in the next year.