HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
249.8 EUR
+8.6 (+3.57%)
We assign a fundamental rating of 6 out of 10 to HNR1. HNR1 was compared to 40 industry peers in the Insurance industry. HNR1 has an excellent profitability rating, but there are some minor concerns on its financial health. HNR1 is not valued too expensively and it also shows a decent 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.
Each year in the past 5 years HNR1 has been profitable.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of HNR1 (3.58%) is better than 90.00% of its industry peers.
HNR1 has a Return On Equity of 22.37%. This is amongst the best in the industry. HNR1 outperforms 87.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.29%, HNR1 belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
HNR1 had an Average Return On Invested Capital over the past 3 years of 2.97%. This is in line with the industry average of 2.28%.
The 3 year average ROIC (2.97%) 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)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
1.3 Margins
The Profit Margin of HNR1 (63.51%) is better than 97.50% 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 3Y151.64%
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.
Compared to 5 years ago, HNR1 has less 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 95.00% of the companies in the same industry.
A Debt/Equity ratio of 0.37 indicates that HNR1 is not too dependend on debt financing.
The Debt to Equity ratio of HNR1 (0.37) is better than 77.50% 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 72.50% of the companies in the same industry.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.27, HNR1 is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
| 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.
Looking at the last year, HNR1 shows a very strong growth in Revenue. 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
Based on estimates for the next years, HNR1 will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.07% on average per year.
The Revenue is expected to grow by 3.85% on average over the next years.
EPS Next Y12.69%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
EPS Next 5Y8.07%
Revenue Next Year6.61%
Revenue Next 2Y4.63%
Revenue Next 3Y4.48%
Revenue Next 5Y3.85%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 12.14, the valuation of HNR1 can be described as correct.
Based on the Price/Earnings ratio, HNR1 is valued a bit cheaper than 67.50% of the companies in the same industry.
HNR1 is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.02 indicates a reasonable valuation of HNR1.
Based on the Price/Forward Earnings ratio, HNR1 is valued a bit more expensive than 60.00% of the companies in the same industry.
HNR1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 72.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
HNR1's 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)0.96
PEG (5Y)0.96
EPS Next 2Y8.36%
EPS Next 3Y6.59%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.73%.
HNR1's Dividend Yield is slightly below the industry average, which is at 4.48.
HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.73% |
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
45.20% of the earnings are spent on dividend by HNR1. This is a bit on the high side, but may be sustainable.
HNR1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.2%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
FRA:HNR1 (9/12/2025, 7:00:00 PM)
249.8
+8.6 (+3.57%)
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 Cap30.13B
Analysts78.26
Price Target294.03 (17.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.73% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
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)6
Avg Revenue beat(12)-5.03%
Revenue beat(16)8
Avg Revenue beat(16)-8.13%
PT rev (1m)-0.76%
PT rev (3m)-0.02%
EPS NQ rev (1m)-3.87%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.16%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.17%
Revenue NY rev (3m)0.99%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.14 | ||
| Fwd PE | 11.02 | ||
| P/S | 7.71 | ||
| P/FCF | 5.72 | ||
| P/OCF | 5.72 | ||
| P/B | 2.72 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY8.23%
EPS(NY)22.67
Fwd EY9.08%
FCF(TTM)43.65
FCFY17.48%
OCF(TTM)43.65
OCFY17.48%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)0.96
PEG (5Y)0.96
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)2.75%
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 Turnover0.06
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)309.36%
Profit Quality(5y)334.25%
High Growth Momentum
Growth
EPS 1Y (TTM)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
EPS Next Y12.69%
EPS Next 2Y8.36%
EPS Next 3Y6.59%
EPS Next 5Y8.07%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
Revenue Next Year6.61%
Revenue Next 2Y4.63%
Revenue Next 3Y4.48%
Revenue Next 5Y3.85%
EBIT growth 1Y50.38%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year8.15%
EBIT Next 3Y6.41%
EBIT Next 5YN/A
FCF growth 1Y-8.89%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-8.89%
OCF growth 3Y4.77%
OCF growth 5Y17.76%