HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HNR1 - DE0008402215 - Common Stock
263 EUR
-3.2 (-1.2%)
Taking everything into account, HNR1 scores 6 out of 10 in our fundamental rating. HNR1 was compared to 47 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.
In the past year HNR1 had a positive cash flow from operations.
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
With an excellent Return On Assets value of 3.51%, HNR1 belongs to the best of the industry, outperforming 82.98% of the companies in the same industry.
With an excellent Return On Equity value of 20.58%, HNR1 belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
HNR1 has a better Return On Invested Capital (4.17%) than 89.36% 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 2.63%.
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
With an excellent Profit Margin value of 63.19%, HNR1 belongs to the best of the industry, outperforming 97.87% of the companies in the same industry.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
HNR1's Operating Margin of 86.24% is amongst the best of the industry. HNR1 outperforms 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 | 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.
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 0.79, which is an excellent value as it means it would take HNR1, only 0.79 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of HNR1 (0.79) is better than 95.74% 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.
With a decent Debt to Equity ratio value of 0.35, HNR1 is doing good in the industry, outperforming 74.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.79 | ||
| 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 has a Current ratio of 0.27. This is in the better half of the industry: HNR1 outperforms 72.34% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.27, HNR1 is doing good in the industry, outperforming 72.34% 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 nice 9.70% 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 25.18%.
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
HNR1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.90% yearly.
HNR1 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.11% yearly.
EPS Next Y14.24%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
EPS Next 5Y8.9%
Revenue Next Year1.38%
Revenue Next 2Y1.98%
Revenue Next 3Y2.95%
Revenue Next 5Y3.11%
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 12.85, the valuation of HNR1 can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of HNR1 indicates a somewhat cheap valuation: HNR1 is cheaper than 68.09% of the companies listed in the same industry.
HNR1's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
Based on the Price/Forward Earnings ratio of 11.26, 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 (23.13), we can say HNR1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 11.26 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 70.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.98 | ||
| 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.
The excellent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)0.9
PEG (5Y)1.02
EPS Next 2Y9.98%
EPS Next 3Y7.85%
5. Dividend
5.1 Amount
HNR1 has a Yearly Dividend Yield of 3.37%.
Compared to an average industry Dividend Yield of 3.90, HNR1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.00, HNR1 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
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 2Y9.98%
EPS Next 3Y7.85%
FRA:HNR1 (1/2/2026, 12:37:57 PM)
263
-3.2 (-1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners25.22%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.72B
Revenue(TTM)3.91B
Net Income(TTM)2.47B
Analysts77.5
Price Target300.33 (14.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.37% |
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)0.56%
PT rev (3m)2.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)1.47%
EPS NY rev (3m)1.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.52%
Revenue NY rev (1m)-4%
Revenue NY rev (3m)-4.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 11.26 | ||
| P/S | 8.12 | ||
| P/FCF | 5.98 | ||
| P/OCF | 5.98 | ||
| P/B | 2.64 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.47
EY7.78%
EPS(NY)23.36
Fwd EY8.88%
FCF(TTM)43.99
FCFY16.73%
OCF(TTM)43.99
OCFY16.73%
SpS32.4
BVpS99.5
TBVpS98.86
PEG (NY)0.9
PEG (5Y)1.02
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 Y14.24%
EPS Next 2Y9.98%
EPS Next 3Y7.85%
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 Year1.38%
Revenue Next 2Y1.98%
Revenue Next 3Y2.95%
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.
What is the valuation status for HNR1 stock?
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.
Can you provide the financial health for HNR1 stock?
The financial health rating of HANNOVER RUECK SE (HNR1.DE) is 5 / 10.
Is the dividend of HANNOVER RUECK SE sustainable?
The dividend rating of HANNOVER RUECK SE (HNR1.DE) is 6 / 10 and the dividend payout ratio is 36.98%.