HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
247.4 EUR
-4.8 (-1.9%)
Taking everything into account, HNR1 scores 6 out of 10 in our fundamental rating. HNR1 was compared to 39 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
HNR1 had positive earnings in the past year.
HNR1 had a positive operating cash flow in the past year.
In the past 5 years HNR1 has always been profitable.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HNR1's Return On Assets of 3.58% is amongst the best of the industry. HNR1 outperforms 88.37% of its industry peers.
HNR1 has a Return On Equity of 22.37%. This is amongst the best in the industry. HNR1 outperforms 86.05% of its industry peers.
The Return On Invested Capital of HNR1 (4.29%) is better than 95.35% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HNR1 is in line with the industry average of 2.26%.
The last Return On Invested Capital (4.29%) for HNR1 is above the 3 year average (2.80%), which is a sign of increasing profitability.
| 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's Profit Margin of 63.51% is amongst the best of the industry. HNR1 outperforms 97.67% of its industry peers.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
The Operating Margin of HNR1 (87.59%) 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 | 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
The number of shares outstanding for HNR1 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, HNR1 has about the same amount of shares outstanding.
Compared to 1 year ago, HNR1 has an improved debt to assets ratio.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
HNR1's Debt to FCF ratio of 0.78 is amongst the best of the industry. HNR1 outperforms 97.67% of its industry peers.
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 Debt to Equity ratio of 0.37. This is amongst the best in the industry. HNR1 outperforms 83.72% 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.
The Current ratio of HNR1 (0.27) is better than 69.77% of its industry peers.
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 69.77% 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 impressive 22.44% 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.
HNR1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.77%.
The Revenue for HNR1 have been decreasing by -28.84% on average. This is quite bad
EPS 1Y (TTM)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
3.2 Future
The Earnings Per Share is expected to grow by 8.23% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
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.
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
With a Price/Earnings ratio of 12.03, HNR1 is valued correctly.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than the industry average as 69.77% of the companies are valued more expensively.
HNR1's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of HNR1.
The rest of the industry has a similar Price/Forward Earnings ratio as HNR1.
When comparing the Price/Forward Earnings ratio of HNR1 to the average of the S&P500 Index (22.55), we can say HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 10.98 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 74.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.67 | ||
| 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.
HNR1 has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.95
PEG (5Y)0.95
EPS Next 2Y8.04%
EPS Next 3Y6.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.57%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.51, HNR1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.37, HNR1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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 2Y8.04%
EPS Next 3Y6.58%
FRA:HNR1 (10/31/2025, 7:00:00 PM)
247.4
-4.8 (-1.9%)
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 Cap29.84B
Revenue(TTM)3.91B
Net Income(TTM)2.48B
Analysts79.13
Price Target294.17 (18.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
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)0.05%
PT rev (3m)-0.85%
EPS NQ rev (1m)4.7%
EPS NQ rev (3m)-0.03%
EPS NY rev (1m)0%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)-2.53%
Revenue NQ rev (3m)-2.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 10.98 | ||
| P/S | 7.64 | ||
| P/FCF | 5.67 | ||
| P/OCF | 5.67 | ||
| P/B | 2.69 | ||
| P/tB | 2.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY8.31%
EPS(NY)22.54
Fwd EY9.11%
FCF(TTM)43.65
FCFY17.64%
OCF(TTM)43.65
OCFY17.64%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)0.95
PEG (5Y)0.95
Graham Number206.35
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)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
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 12.61% in the next year.