HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 36 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 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.
In the past 5 years HNR1 always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.10%, HNR1 belongs to the top of the industry, outperforming 86.11% of the companies in the same industry.
HNR1 has a better Return On Equity (18.63%) than 86.11% of its industry peers.
HNR1 has a Return On Invested Capital of 3.86%. This is amongst the best in the industry. HNR1 outperforms 88.89% 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 2.20%.
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 Profit Margin of 58.98%. This is amongst the best in the industry. HNR1 outperforms 97.22% of its industry peers.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
HNR1's Operating Margin of 83.94% is amongst the best of the industry. HNR1 outperforms 100.00% of its industry peers.
HNR1's Operating Margin has improved in the last couple of years.
| 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
HNR1 has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, HNR1 has less shares outstanding
Compared to 1 year ago, HNR1 has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of HNR1 is 0.81, which is an excellent value as it means it would take HNR1, only 0.81 years of fcf income to pay off all of its debts.
HNR1's Debt to FCF ratio of 0.81 is amongst the best of the industry. HNR1 outperforms 94.44% of its industry peers.
HNR1 has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
HNR1's Debt to Equity ratio of 0.38 is fine compared to the rest of the industry. HNR1 outperforms 77.78% 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
A Current Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a Current ratio of 0.27. This is in the better half of the industry: HNR1 outperforms 75.00% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
The Quick ratio of HNR1 (0.27) is better than 75.00% 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.
Measured over the past years, HNR1 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.64% on average per year.
The Revenue has grown by 41.41% in the past year. This is a very strong growth!
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 6.93% on average per year.
HNR1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.46% yearly.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y6.93%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y3.46%
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
Based on the Price/Earnings ratio of 14.30, the valuation of HNR1 can be described as correct.
HNR1's Price/Earnings is on the same level as the industry average.
HNR1 is valuated rather cheaply when we compare the Price/Earnings ratio to 28.04, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.62, the valuation of HNR1 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 indicates a slightly more expensive valuation: HNR1 is more expensive than 63.89% of the companies listed in the same industry.
HNR1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.64, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.3 | ||
| Fwd PE | 11.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, HNR1 is valued cheaper than 80.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.65 | ||
| 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.
The excellent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)1.39
PEG (5Y)1.13
EPS Next 2Y9.06%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.34%.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.46.
Compared to an average S&P500 Dividend Yield of 2.31, HNR1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
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.
HNR1's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP40.56%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
FRA:HNR1 (7/25/2025, 7:00:00 PM)
266.8
-3 (-1.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners24.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap32.18B
Analysts77.39
Price Target296.69 (11.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
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)-0.04%
PT rev (3m)2.61%
EPS NQ rev (1m)19.03%
EPS NQ rev (3m)2.4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)7.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.3 | ||
| Fwd PE | 11.62 | ||
| P/S | 8.43 | ||
| P/FCF | 5.65 | ||
| P/OCF | 5.65 | ||
| P/B | 2.66 | ||
| P/tB | 2.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.66
EY6.99%
EPS(NY)22.97
Fwd EY8.61%
FCF(TTM)47.24
FCFY17.71%
OCF(TTM)47.24
OCFY17.71%
SpS31.65
BVpS100.18
TBVpS99.52
PEG (NY)1.39
PEG (5Y)1.13
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 5Y6.93%
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 5Y3.46%
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%