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HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis

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

283.2  +0.8 (+0.28%)

Fundamental Rating

6

Overall HNR1 gets a fundamental rating of 6 out of 10. We evaluated HNR1 against 33 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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8

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.
In the past 5 years HNR1 has always been profitable.
Each year in the past 5 years HNR1 had a positive operating cash flow.
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 2024 1B 2B 3B 4B 5B

1.2 Ratios

The Return On Assets of HNR1 (3.23%) is better than 81.82% of its industry peers.
HNR1 has a better Return On Equity (19.74%) than 81.82% of its industry peers.
HNR1 has a better Return On Invested Capital (4.02%) than 87.88% of its industry peers.
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 2.22%.
The 3 year average ROIC (2.97%) for HNR1 is below the current ROIC(4.02%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.23%
ROE 19.74%
ROIC 4.02%
ROA(3y)2.75%
ROA(5y)2.19%
ROE(3y)17.76%
ROE(5y)14.34%
ROIC(3y)2.97%
ROIC(5y)2.3%
HNR1.DE Yearly ROA, ROE, ROICHNR1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of HNR1 (58.12%) is better than 96.97% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1's Operating Margin of 82.80% is amongst the best of the industry. HNR1 outperforms 100.00% of its industry peers.
HNR1's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 82.8%
PM (TTM) 58.12%
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
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 2024 20 40 60 80

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5

2. Health

2.1 Basic Checks

HNR1 has about the same amout of shares outstanding than it did 1 year ago.
HNR1 has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HNR1 has an improved debt to assets ratio.
HNR1.DE Yearly Shares OutstandingHNR1.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of HNR1 is 0.82, which is an excellent value as it means it would take HNR1, only 0.82 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.82, HNR1 belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
HNR1 has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of HNR1 (0.40) is better than 72.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
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 2024 2B 4B 6B 8B 10B

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 better Current ratio (0.27) than 75.76% of its industry peers.
A Quick Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1's Quick ratio of 0.27 is fine compared to the rest of the industry. HNR1 outperforms 75.76% of its industry peers.
Industry RankSector Rank
Current Ratio 0.27
Quick Ratio 0.27
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 2024 200M 400M 600M

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5

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.
HNR1 shows a strong growth in Revenue. In the last year, the Revenue has grown by 58.88%.
Measured over the past years, HNR1 shows a very negative growth in Revenue. The Revenue has been decreasing by -28.84% on average per year.
EPS 1Y (TTM)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
Revenue 1Y (TTM)58.88%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%12.38%

3.2 Future

HNR1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.80% yearly.
Based on estimates for the next years, HNR1 will show a small growth in Revenue. The Revenue will grow by 2.81% on average per year.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue Next Year5.39%
Revenue Next 2Y4.3%
Revenue Next 3Y3.07%
Revenue Next 5Y2.81%

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.
HNR1.DE Yearly Revenue VS EstimatesHNR1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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 14.67 indicates a correct valuation of HNR1.
Based on the Price/Earnings ratio, HNR1 is valued a bit more expensive than the industry average as 60.61% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.75, HNR1 is valued a bit cheaper.
A Price/Forward Earnings ratio of 13.30 indicates a correct valuation of HNR1.
Based on the Price/Forward Earnings ratio, HNR1 is valued a bit more expensive than the industry average as 78.79% of the companies are valued more cheaply.
HNR1's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.49.
Industry RankSector Rank
PE 14.67
Fwd PE 13.3
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

Based on the Price/Free Cash Flow ratio, HNR1 is valued a bit cheaper than 72.73% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.01
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

HNR1's 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)1.42
PEG (5Y)1.16
EPS Next 2Y9.06%
EPS Next 3Y7.4%

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4

5. Dividend

5.1 Amount

HNR1 has a Yearly Dividend Yield of 3.21%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.56, HNR1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, HNR1 pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.21%

5.2 History

The dividend of HNR1 has a limited annual growth rate of 5.92%.
Dividend Growth(5Y)5.92%
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 39.21% of its income as dividend. This is a sustainable payout ratio.
The dividend of HNR1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.21%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
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 2024 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 (5/2/2025, 5:36:15 PM)

283.2

+0.8 (+0.28%)

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 Cap34.15B
Analysts74.4
Price Target289.14 (2.1%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.21%
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP39.21%
Div Incr Years3
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.13%
Min EPS beat(2)-12.47%
Max EPS beat(2)18.73%
EPS beat(4)2
Avg EPS beat(4)3.99%
Min EPS beat(4)-12.47%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)0.94%
EPS beat(12)6
Avg EPS beat(12)-3.43%
EPS beat(16)8
Avg EPS beat(16)227.61%
Revenue beat(2)2
Avg Revenue beat(2)1.52%
Min Revenue beat(2)1.18%
Max Revenue beat(2)1.86%
Revenue beat(4)3
Avg Revenue beat(4)-0.33%
Min Revenue beat(4)-6.03%
Max Revenue beat(4)1.86%
Revenue beat(8)4
Avg Revenue beat(8)-9.74%
Revenue beat(12)6
Avg Revenue beat(12)-12.42%
Revenue beat(16)7
Avg Revenue beat(16)-9.86%
PT rev (1m)5.18%
PT rev (3m)7.58%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.01%
EPS NY rev (3m)3.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.59%
Revenue NY rev (3m)-0.54%
Valuation
Industry RankSector Rank
PE 14.67
Fwd PE 13.3
P/S 8.52
P/FCF 6.01
P/OCF 6.01
P/B 2.9
P/tB 2.92
EV/EBITDA N/A
EPS(TTM)19.31
EY6.82%
EPS(NY)21.3
Fwd EY7.52%
FCF(TTM)47.11
FCFY16.64%
OCF(TTM)47.11
OCFY16.64%
SpS33.22
BVpS97.8
TBVpS97.14
PEG (NY)1.42
PEG (5Y)1.16
Profitability
Industry RankSector Rank
ROA 3.23%
ROE 19.74%
ROCE 4.64%
ROIC 4.02%
ROICexc 4.09%
ROICexgc 4.27%
OM 82.8%
PM (TTM) 58.12%
GM N/A
FCFM 141.8%
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 RankSector Rank
Debt/Equity 0.4
Debt/FCF 0.82
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 10.96
Cash Conversion N/A
Profit Quality 244%
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)27.63%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%18.41%
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y5.8%
Revenue 1Y (TTM)58.88%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%12.38%
Revenue Next Year5.39%
Revenue Next 2Y4.3%
Revenue Next 3Y3.07%
Revenue Next 5Y2.81%
EBIT growth 1Y68.31%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year11.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.79%
FCF growth 3Y4.77%
FCF growth 5Y17.76%
OCF growth 1Y-1.79%
OCF growth 3Y4.77%
OCF growth 5Y17.76%