HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
259.4 EUR
+0.6 (+0.23%)
We assign a fundamental rating of 6 out of 10 to HNR1. HNR1 was compared to 47 industry peers in the Insurance industry. While HNR1 has a great profitability rating, 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.
Each year in the past 5 years HNR1 has 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 3.51%, HNR1 belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
HNR1 has a better Return On Equity (20.58%) than 85.42% of its industry peers.
HNR1 has a better Return On Invested Capital (4.17%) than 87.50% 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 2.11%.
The 3 year average ROIC (2.80%) for HNR1 is below the current ROIC(4.17%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.51% | ||
| ROE | 20.58% | ||
| ROIC | 4.17% |
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
Looking at the Profit Margin, with a value of 63.19%, HNR1 belongs to the top of the industry, outperforming 97.92% of the companies in the same industry.
HNR1's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 86.24%, HNR1 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of HNR1 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 86.24% | ||
| PM (TTM) | 63.19% | ||
| 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
Compared to 1 year ago, HNR1 has about the same amount of shares outstanding.
HNR1 has about the same amout of shares outstanding than it did 5 years ago.
HNR1 has a better debt/assets ratio than last year.
2.2 Solvency
HNR1 has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
HNR1 has a better Debt to FCF ratio (0.79) than 97.92% of its industry peers.
HNR1 has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
HNR1's Debt to Equity ratio of 0.35 is fine compared to the rest of the industry. HNR1 outperforms 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.79 | ||
| 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's Current ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 66.67% 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.
The Quick ratio of HNR1 (0.27) is better than 66.67% 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 9.70%, which is quite good.
The Earnings Per Share has been growing by 12.64% on average over the past years. This is quite good.
The Revenue has grown by 25.18% in the past year. This is a very strong growth!
HNR1 shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -28.84% yearly.
EPS 1Y (TTM)9.7%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-1.82%
Revenue 1Y (TTM)25.18%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%-6.08%
3.2 Future
Based on estimates for the next years, HNR1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.90% on average per year.
The Revenue is expected to grow by 3.11% on average over the next years.
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 66.67% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.31. HNR1 is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.41, the valuation of HNR1 can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HNR1 is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of HNR1 to the average of the S&P500 Index (36.59), we can say HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.41 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)1.01
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%.
Compared to an average industry Dividend Yield of 4.44, HNR1 is paying slightly less dividend.
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
36.98% of the earnings are spent on dividend by HNR1. This is a low number and sustainable payout ratio.
HNR1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.98%
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)3.91B
Net Income(TTM)2.47B
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%
DP36.98%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.23%
Min EPS beat(2)-1.01%
Max EPS beat(2)1.47%
EPS beat(4)1
Avg EPS beat(4)-6.94%
Min EPS beat(4)-15.74%
Max EPS beat(4)1.47%
EPS beat(8)4
Avg EPS beat(8)0.89%
EPS beat(12)6
Avg EPS beat(12)-0.89%
EPS beat(16)7
Avg EPS beat(16)-3.57%
Revenue beat(2)0
Avg Revenue beat(2)-4.91%
Min Revenue beat(2)-8.29%
Max Revenue beat(2)-1.54%
Revenue beat(4)2
Avg Revenue beat(4)-1.66%
Min Revenue beat(4)-8.29%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-1.1%
Revenue beat(12)5
Avg Revenue beat(12)-15.64%
Revenue beat(16)6
Avg Revenue beat(16)-27.6%
PT rev (1m)1.57%
PT rev (3m)1.34%
EPS NQ rev (1m)6.96%
EPS NQ rev (3m)3.04%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-2.94%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)-0.43%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 11.41 | ||
| P/S | 8.01 | ||
| P/FCF | 5.9 | ||
| P/OCF | 5.9 | ||
| P/B | 2.61 | ||
| P/tB | 2.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY7.89%
EPS(NY)22.74
Fwd EY8.77%
FCF(TTM)43.99
FCFY16.96%
OCF(TTM)43.99
OCFY16.96%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)1.01
PEG (5Y)1
Graham Number214.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.51% | ||
| ROE | 20.58% | ||
| ROCE | 4.82% | ||
| ROIC | 4.17% | ||
| ROICexc | 4.25% | ||
| ROICexgc | 4.45% | ||
| OM | 86.24% | ||
| PM (TTM) | 63.19% | ||
| GM | N/A | ||
| FCFM | 135.79% |
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 | 0.35 | ||
| Debt/FCF | 0.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 11.3 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 214.88% | ||
| 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)25.18%
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 1Y30.48%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year11.27%
EBIT Next 3Y6.09%
EBIT Next 5YN/A
FCF growth 1Y-1.89%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.89%
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.