HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR
Overall HNR1 gets a fundamental rating of 5 out of 10. We evaluated HNR1 against 38 industry peers in the Insurance industry. HNR1 has an excellent profitability rating, but there are some minor concerns on its financial health. HNR1 has a correct valuation and a medium growth rate.
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
Looking at the Return On Assets, with a value of 3.10%, HNR1 belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
HNR1 has a better Return On Equity (18.63%) than 84.21% of its industry peers.
The Return On Invested Capital of HNR1 (3.86%) is better than 89.47% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.05%.
The last Return On Invested Capital (3.86%) for HNR1 is above the 3 year average (2.97%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROIC | 3.86% |
ROA(3y)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
1.3 Margins
HNR1 has a better Profit Margin (58.98%) than 97.37% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
The Operating Margin of HNR1 (83.94%) is better 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 | 83.94% | ||
| PM (TTM) | 58.98% | ||
| GM | N/A |
OM growth 3Y151.64%
OM growth 5Y62.65%
PM growth 3Y132.6%
PM growth 5Y58.31%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
The number of shares outstanding for HNR1 has been reduced compared to 5 years ago.
The debt/assets ratio for HNR1 has been reduced compared to a year ago.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.81. This is a very positive value and a sign of high solvency as it would only need 0.81 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.81, HNR1 belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
A Debt/Equity ratio of 0.38 indicates that HNR1 is not too dependend on debt financing.
HNR1 has a Debt to Equity ratio of 0.38. This is in the better half of the industry: HNR1 outperforms 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| 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.
HNR1's Current ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 76.32% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a better Quick ratio (0.27) than 76.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 |
3. Growth
3.1 Past
HNR1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.55%, which is quite good.
HNR1 shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.64% yearly.
HNR1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.41%.
The Revenue for HNR1 have been decreasing by -28.84% on average. This is quite bad
EPS 1Y (TTM)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
3.2 Future
Based on estimates for the next years, HNR1 will show a small growth in Earnings Per Share. The EPS will grow by 5.80% on average per year.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y2.81%
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 decreasing.
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
HNR1 is valuated correctly with a Price/Earnings ratio of 15.05.
The rest of the industry has a similar Price/Earnings ratio as HNR1.
HNR1's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.46.
A Price/Forward Earnings ratio of 12.23 indicates a correct valuation of HNR1.
HNR1's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HNR1 is more expensive than 60.53% of the companies in the same industry.
HNR1 is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.05 | ||
| Fwd PE | 12.23 |
4.2 Price Multiples
76.32% of the companies in the same industry are more expensive than HNR1, based on the Price/Free Cash Flow ratio.
| 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)1.46
PEG (5Y)1.19
EPS Next 2Y9.06%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.25%.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.54.
Compared to an average S&P500 Dividend Yield of 2.38, HNR1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
5.2 History
The dividend of HNR1 has a limited annual growth rate of 5.92%.
Dividend Growth(5Y)5.92%
Div Incr Years4
Div Non Decr Years6
5.3 Sustainability
HNR1 pays out 40.56% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of HNR1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.56%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
FRA:HNR1 (6/3/2025, 5:36:15 PM)
280.8
-0.6 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners23.95%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap33.86B
Analysts75
Price Target291.24 (3.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.25% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP40.56%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.1%
Min EPS beat(2)-15.74%
Max EPS beat(2)-12.47%
EPS beat(4)2
Avg EPS beat(4)1.95%
Min EPS beat(4)-15.74%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)1.47%
EPS beat(12)6
Avg EPS beat(12)-2.98%
EPS beat(16)8
Avg EPS beat(16)227.18%
Revenue beat(2)2
Avg Revenue beat(2)1.59%
Min Revenue beat(2)1.18%
Max Revenue beat(2)1.99%
Revenue beat(4)4
Avg Revenue beat(4)1.68%
Min Revenue beat(4)1.18%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-3.55%
Revenue beat(12)7
Avg Revenue beat(12)-4.71%
Revenue beat(16)8
Avg Revenue beat(16)-8.52%
PT rev (1m)0.73%
PT rev (3m)5.95%
EPS NQ rev (1m)-13.97%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.87%
Revenue NQ rev (1m)7.49%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.05 | ||
| Fwd PE | 12.23 | ||
| P/S | 8.87 | ||
| P/FCF | 5.94 | ||
| P/OCF | 5.94 | ||
| P/B | 2.8 | ||
| P/tB | 2.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.66
EY6.65%
EPS(NY)22.97
Fwd EY8.18%
FCF(TTM)47.24
FCFY16.82%
OCF(TTM)47.24
OCFY16.82%
SpS31.65
BVpS100.18
TBVpS99.52
PEG (NY)1.46
PEG (5Y)1.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROCE | 4.46% | ||
| ROIC | 3.86% | ||
| ROICexc | 3.92% | ||
| ROICexgc | 4.12% | ||
| OM | 83.94% | ||
| PM (TTM) | 58.98% | ||
| GM | N/A | ||
| FCFM | 149.27% |
ROA(3y)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
ROICexc(3y)3.02%
ROICexc(5y)2.35%
ROICexgc(3y)3.16%
ROICexgc(5y)2.55%
ROCE(3y)3.43%
ROCE(5y)2.66%
ROICexcg growth 3Y32.83%
ROICexcg growth 5Y11.08%
ROICexc growth 3Y40.56%
ROICexc growth 5Y15.67%
OM growth 3Y151.64%
OM growth 5Y62.65%
PM growth 3Y132.6%
PM growth 5Y58.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.03 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 253.09% | ||
| 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)309.36%
Profit Quality(5y)334.25%
High Growth Momentum
Growth
EPS 1Y (TTM)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y2.81%
EBIT growth 1Y55.42%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year8.15%
EBIT Next 3Y6.41%
EBIT Next 5YN/A
FCF growth 1Y-1.79%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.79%
OCF growth 3Y4.77%
OCF growth 5Y17.76%