HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
Europe - FRA:HNR1 - DE0008402215 - Common Stock
251.8 EUR
-0.4 (-0.16%)
Taking everything into account, HNR1 scores 6 out of 10 in our fundamental rating. HNR1 was compared to 43 industry peers in the Insurance industry. While HNR1 belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. HNR1 has a correct valuation and a medium 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.
HNR1 had positive earnings in each of the past 5 years.
HNR1 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HNR1 has a Return On Assets of 3.58%. This is amongst the best in the industry. HNR1 outperforms 88.37% of its industry peers.
Looking at the Return On Equity, with a value of 22.37%, HNR1 belongs to the top of the industry, outperforming 86.05% of the companies in the same industry.
HNR1 has a better Return On Invested Capital (4.29%) than 95.35% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HNR1 is in line with the industry average of 2.22%.
The 3 year average ROIC (2.80%) 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)2.42%
ROA(5y)1.99%
ROE(3y)15.46%
ROE(5y)12.95%
ROIC(3y)2.8%
ROIC(5y)2.2%
1.3 Margins
HNR1's Profit Margin of 63.51% is amongst the best of the industry. HNR1 outperforms 97.67% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1's Operating Margin of 87.59% 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 | 87.59% | ||
| PM (TTM) | 63.51% | ||
| 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
HNR1 has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
The Debt to FCF ratio of HNR1 (0.78) is better than 97.67% of its industry peers.
HNR1 has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.37, HNR1 belongs to the top of the industry, outperforming 81.40% of the companies in the same industry.
| 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.
Looking at the Current ratio, with a value of 0.27, HNR1 is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
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.
HNR1 has a Quick ratio of 0.27. This is in the better half of the industry: HNR1 outperforms 69.77% of its industry peers.
| 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%.
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)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
HNR1 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.23% yearly.
The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
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
HNR1 is valuated correctly with a Price/Earnings ratio of 12.24.
Compared to the rest of the industry, the Price/Earnings ratio of HNR1 indicates a somewhat cheap valuation: HNR1 is cheaper than 67.44% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (26.76), we can say HNR1 is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.17, the valuation of HNR1 can be described as reasonable.
HNR1's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.63. HNR1 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.24 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. HNR1 is cheaper than 74.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.97
PEG (5Y)0.97
EPS Next 2Y8.04%
EPS Next 3Y6.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.52%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.57, HNR1 is paying slightly less dividend.
HNR1's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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
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 2Y8.04%
EPS Next 3Y6.58%
FRA:HNR1 (10/29/2025, 7:00:00 PM)
251.8
-0.4 (-0.16%)
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 Cap30.37B
Revenue(TTM)3.91B
Net Income(TTM)2.48B
Analysts79.13
Price Target294.03 (16.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
Yearly Dividend7.57
Dividend Growth(5Y)5.85%
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)5
Avg Revenue beat(12)-22.67%
Revenue beat(16)6
Avg Revenue beat(16)-27.25%
PT rev (1m)0%
PT rev (3m)-0.9%
EPS NQ rev (1m)10.69%
EPS NQ rev (3m)2.97%
EPS NY rev (1m)0%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)-2.53%
Revenue NQ rev (3m)-2.35%
Revenue NY rev (1m)-0.52%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.24 | ||
| Fwd PE | 11.17 | ||
| P/S | 7.77 | ||
| P/FCF | 5.77 | ||
| P/OCF | 5.77 | ||
| P/B | 2.74 | ||
| P/tB | 2.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)20.57
EY8.17%
EPS(NY)22.54
Fwd EY8.95%
FCF(TTM)43.65
FCFY17.34%
OCF(TTM)43.65
OCFY17.34%
SpS32.4
BVpS92
TBVpS91.35
PEG (NY)0.97
PEG (5Y)0.97
Graham Number206.35
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)2.42%
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 | 0.37 | ||
| 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)398.21%
Profit Quality(5y)387.53%
High Growth Momentum
Growth
EPS 1Y (TTM)22.44%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%38.2%
EPS Next Y12.61%
EPS Next 2Y8.04%
EPS Next 3Y6.58%
EPS Next 5Y8.23%
Revenue 1Y (TTM)36.77%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%2%
Revenue Next Year6.06%
Revenue Next 2Y4.22%
Revenue Next 3Y4.27%
Revenue Next 5Y3.66%
EBIT growth 1Y50.38%
EBIT growth 3Y33.8%
EBIT growth 5Y15.73%
EBIT Next Year11.27%
EBIT Next 3Y6.09%
EBIT Next 5YN/A
FCF growth 1Y-7.24%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-7.24%
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 12.61% in the next year.