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HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis

FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR

276.2  -0.9 (-0.32%)

Fundamental Rating

5

HNR1 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 33 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 valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year HNR1 was profitable.
In the past year HNR1 had a positive cash flow from operations.
Of the past 5 years HNR1 4 years were profitable.
HNR1 had a positive operating cash flow in 4 of the past 5 years.
HNR1.DE Yearly Net Income VS EBIT VS OCF VS FCFHNR1.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

1.2 Ratios

With an excellent Return On Assets value of 3.20%, HNR1 belongs to the best of the industry, outperforming 84.85% of the companies in the same industry.
HNR1 has a better Return On Equity (20.19%) than 84.85% of its industry peers.
With an excellent Return On Invested Capital value of 3.25%, HNR1 belongs to the best of the industry, outperforming 87.88% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.25%.
The 3 year average ROIC (2.13%) for HNR1 is below the current ROIC(3.25%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.2%
ROE 20.19%
ROIC 3.25%
ROA(3y)2.15%
ROA(5y)1.9%
ROE(3y)14.64%
ROE(5y)12.83%
ROIC(3y)2.13%
ROIC(5y)1.91%
HNR1.DE Yearly ROA, ROE, ROICHNR1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

HNR1 has a Profit Margin of 72.08%. This is amongst the best in the industry. HNR1 outperforms 96.97% of its industry peers.
In the last couple of years the Profit Margin of HNR1 has grown nicely.
HNR1's Operating Margin of 82.74% 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 RankSector Rank
OM 82.74%
PM (TTM) 72.08%
GM N/A
OM growth 3Y169.43%
OM growth 5Y60.78%
PM growth 3Y169.56%
PM growth 5Y67.78%
GM growth 3YN/A
GM growth 5YN/A
HNR1.DE Yearly Profit, Operating, Gross MarginsHNR1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HNR1 is destroying value.
There is no outstanding debt for HNR1. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HNR1.DE Yearly Shares OutstandingHNR1.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
HNR1.DE Yearly Total Debt VS Total AssetsHNR1.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B

2.2 Solvency

HNR1 has a debt to FCF ratio of 0.77. This is a very positive value and a sign of high solvency as it would only need 0.77 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.77, HNR1 belongs to the top of the industry, outperforming 93.94% of the companies in the same industry.
HNR1 has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.42, HNR1 is doing good in the industry, outperforming 75.76% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 0.77
Altman-Z N/A
ROIC/WACC0.46
WACC7.09%
HNR1.DE Yearly LT Debt VS Equity VS FCFHNR1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.3 Liquidity

HNR1 has a Current Ratio of 0.22. 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 Current ratio of 0.22 is fine compared to the rest of the industry. HNR1 outperforms 72.73% of its industry peers.
A Quick Ratio of 0.22 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a Quick ratio of 0.22. This is in the better half of the industry: HNR1 outperforms 72.73% of its industry peers.
Industry RankSector Rank
Current Ratio 0.22
Quick Ratio 0.22
HNR1.DE Yearly Current Assets VS Current LiabilitesHNR1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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3

3. Growth

3.1 Past

HNR1 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.63%, which is quite impressive.
The Earnings Per Share has been growing by 12.64% on average over the past years. This is quite good.
EPS 1Y (TTM)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.38%

3.2 Future

The Earnings Per Share is expected to grow by 6.68% on average over the next years.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 2.73% on average per year.
EPS Next Y9.36%
EPS Next 2Y8.14%
EPS Next 3Y6.43%
EPS Next 5Y6.68%
Revenue Next Year5.97%
Revenue Next 2Y4.27%
Revenue Next 3Y2.86%
Revenue Next 5Y2.73%

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.
HNR1.DE Yearly Revenue VS EstimatesHNR1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10B 20B 30B
HNR1.DE Yearly EPS VS EstimatesHNR1.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.30 indicates a correct valuation of HNR1.
HNR1's Price/Earnings ratio is a bit more expensive when compared to the industry. HNR1 is more expensive than 60.61% of the companies in the same industry.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (28.89), we can say HNR1 is valued rather cheaply.
The Price/Forward Earnings ratio is 13.08, which indicates a correct valuation of HNR1.
72.73% of the companies in the same industry are cheaper than HNR1, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.98. HNR1 is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.3
Fwd PE 13.08
HNR1.DE Price Earnings VS Forward Price EarningsHNR1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

HNR1's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HNR1 is cheaper than 84.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.53
EV/EBITDA N/A
HNR1.DE Per share dataHNR1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of HNR1 may justify a higher PE ratio.
PEG (NY)1.53
PEG (5Y)1.13
EPS Next 2Y8.14%
EPS Next 3Y6.43%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.28%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.64, HNR1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, HNR1 pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.28%

5.2 History

The dividend of HNR1 has a limited annual growth rate of 3.20%.
Dividend Growth(5Y)3.2%
Div Incr Years3
Div Non Decr Years5
HNR1.DE Yearly Dividends per shareHNR1.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

HNR1 pays out 34.16% of its income as dividend. This is a sustainable payout ratio.
HNR1's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.16%
EPS Next 2Y8.14%
EPS Next 3Y6.43%
HNR1.DE Yearly Income VS Free CF VS DividendHNR1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B
HNR1.DE Dividend Payout.HNR1.DE Dividend Payout, showing the Payout Ratio.HNR1.DE Dividend Payout.PayoutRetained Earnings

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HANNOVER RUECK SE

FRA:HNR1 (3/27/2025, 11:55:15 AM)

276.2

-0.9 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-13 2025-03-13/bmo
Earnings (Next)05-13 2025-05-13
Inst Owners23.95%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap33.31B
Analysts73.33
Price Target274.89 (-0.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.28%
Yearly Dividend6.36
Dividend Growth(5Y)3.2%
DP34.16%
Div Incr Years3
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.01%
Min EPS beat(2)17.29%
Max EPS beat(2)18.73%
EPS beat(4)3
Avg EPS beat(4)8.71%
Min EPS beat(4)-7.6%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)2.14%
EPS beat(12)6
Avg EPS beat(12)-2.44%
EPS beat(16)9
Avg EPS beat(16)228.71%
Revenue beat(2)2
Avg Revenue beat(2)1.77%
Min Revenue beat(2)1.69%
Max Revenue beat(2)1.86%
Revenue beat(4)3
Avg Revenue beat(4)-0.54%
Min Revenue beat(4)-6.03%
Max Revenue beat(4)1.86%
Revenue beat(8)4
Avg Revenue beat(8)-6.65%
Revenue beat(12)6
Avg Revenue beat(12)-10.76%
Revenue beat(16)7
Avg Revenue beat(16)-9.37%
PT rev (1m)0%
PT rev (3m)4.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.05%
EPS NY rev (1m)0%
EPS NY rev (3m)4.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.91%
Valuation
Industry RankSector Rank
PE 14.3
Fwd PE 13.08
P/S 10.67
P/FCF 5.53
P/OCF 5.53
P/B 2.99
P/tB 3.01
EV/EBITDA N/A
EPS(TTM)19.31
EY6.99%
EPS(NY)21.12
Fwd EY7.65%
FCF(TTM)49.91
FCFY18.07%
OCF(TTM)49.91
OCFY18.07%
SpS25.88
BVpS92.38
TBVpS91.72
PEG (NY)1.53
PEG (5Y)1.13
Profitability
Industry RankSector Rank
ROA 3.2%
ROE 20.19%
ROCE 3.7%
ROIC 3.25%
ROICexc 3.33%
ROICexgc 3.52%
OM 82.74%
PM (TTM) 72.08%
GM N/A
FCFM 192.84%
ROA(3y)2.15%
ROA(5y)1.9%
ROE(3y)14.64%
ROE(5y)12.83%
ROIC(3y)2.13%
ROIC(5y)1.91%
ROICexc(3y)2.17%
ROICexc(5y)1.94%
ROICexgc(3y)2.39%
ROICexgc(5y)2.24%
ROCE(3y)2.42%
ROCE(5y)2.17%
ROICexcg growth 3Y23.79%
ROICexcg growth 5Y1.84%
ROICexc growth 3Y30.63%
ROICexc growth 5Y6.2%
OM growth 3Y169.43%
OM growth 5Y60.78%
PM growth 3Y169.56%
PM growth 5Y67.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.42
Debt/FCF 0.77
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 7.71
Cash Conversion N/A
Profit Quality 267.53%
Current Ratio 0.22
Quick Ratio 0.22
Altman-Z N/A
F-Score7
WACC7.09%
ROIC/WACC0.46
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)361.81%
Profit Quality(5y)324.54%
High Growth Momentum
Growth
EPS 1Y (TTM)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
EPS Next Y9.36%
EPS Next 2Y8.14%
EPS Next 3Y6.43%
EPS Next 5Y6.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.38%
Revenue Next Year5.97%
Revenue Next 2Y4.27%
Revenue Next 3Y2.86%
Revenue Next 5Y2.73%
EBIT growth 1Y-3.55%
EBIT growth 3Y27.32%
EBIT growth 5Y6.84%
EBIT Next Year43.64%
EBIT Next 3Y18.32%
EBIT Next 5YN/A
FCF growth 1Y33.24%
FCF growth 3Y24.22%
FCF growth 5Y21.06%
OCF growth 1Y33.24%
OCF growth 3Y24.22%
OCF growth 5Y21.06%