HANNOVER RUECK SE (HNR1.DE) Stock Fundamental Analysis
FRA:HNR1 - Deutsche Boerse Ag - DE0008402215 - Common Stock - Currency: EUR
HNR1 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 40 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.
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
HNR1's Return On Assets of 3.10% is amongst the best of the industry. HNR1 outperforms 82.50% of its industry peers.
HNR1's Return On Equity of 18.63% is amongst the best of the industry. HNR1 outperforms 87.50% of its industry peers.
HNR1 has a Return On Invested Capital of 3.86%. This is amongst the best in the industry. HNR1 outperforms 90.00% 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 2.11%.
The last Return On Invested Capital (3.86%) for HNR1 is above the 3 year average (2.97%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROIC | 3.86% |
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
HNR1's Profit Margin of 58.98% is amongst the best of the industry. HNR1 outperforms 97.50% of its industry peers.
HNR1's Profit Margin has improved in the last couple of years.
HNR1 has a better Operating Margin (83.94%) 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 | 83.94% | ||
| PM (TTM) | 58.98% | ||
| 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
Compared to 1 year ago, HNR1 has about the same amount of shares outstanding.
The number of shares outstanding for HNR1 has been reduced compared to 5 years ago.
HNR1 has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of HNR1 is 0.81, which is an excellent value as it means it would take HNR1, only 0.81 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.81, HNR1 belongs to the best of the industry, outperforming 92.50% of the companies in the same industry.
HNR1 has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
HNR1 has a Debt to Equity ratio of 0.38. This is in the better half of the industry: HNR1 outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.27 indicates that HNR1 may have some problems paying its short term obligations.
HNR1 has a better Current ratio (0.27) than 77.50% of its industry peers.
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 77.50% 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 nice 18.55% 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 41.41%.
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)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
3.2 Future
HNR1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.32% yearly.
The Revenue is expected to grow by 3.83% on average over the next years.
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y7.32%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y3.83%
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.
4. Valuation
4.1 Price/Earnings Ratio
HNR1 is valuated correctly with a Price/Earnings ratio of 14.34.
Compared to the rest of the industry, the Price/Earnings ratio of HNR1 is on the same level as its industry peers.
When comparing the Price/Earnings ratio of HNR1 to the average of the S&P500 Index (26.86), we can say HNR1 is valued slightly cheaper.
HNR1 is valuated reasonably with a Price/Forward Earnings ratio of 11.65.
Based on the Price/Forward Earnings ratio, HNR1 is valued a bit more expensive than 62.50% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.43, HNR1 is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 11.65 |
4.2 Price Multiples
HNR1's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HNR1 is cheaper than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)1.39
PEG (5Y)1.13
EPS Next 2Y9.06%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.38%, HNR1 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.54, HNR1 is paying slightly less dividend.
HNR1's Dividend Yield is a higher than the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
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
40.56% of the earnings are spent on dividend by HNR1. This is a bit on the high side, but may be sustainable.
The dividend of HNR1 is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.56%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
FRA:HNR1 (6/27/2025, 5:36:15 PM)
267.6
+3.4 (+1.29%)
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 Cap32.27B
Analysts76.67
Price Target296.82 (10.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Yearly Dividend7.57
Dividend Growth(5Y)5.92%
DP40.56%
Div Incr Years4
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.1%
Min EPS beat(2)-15.74%
Max EPS beat(2)-12.47%
EPS beat(4)2
Avg EPS beat(4)1.95%
Min EPS beat(4)-15.74%
Max EPS beat(4)18.73%
EPS beat(8)5
Avg EPS beat(8)1.47%
EPS beat(12)6
Avg EPS beat(12)-2.98%
EPS beat(16)8
Avg EPS beat(16)227.18%
Revenue beat(2)2
Avg Revenue beat(2)1.59%
Min Revenue beat(2)1.18%
Max Revenue beat(2)1.99%
Revenue beat(4)4
Avg Revenue beat(4)1.68%
Min Revenue beat(4)1.18%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-3.55%
Revenue beat(12)7
Avg Revenue beat(12)-4.71%
Revenue beat(16)8
Avg Revenue beat(16)-8.52%
PT rev (1m)1.92%
PT rev (3m)7.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 11.65 | ||
| P/S | 8.46 | ||
| P/FCF | 5.66 | ||
| P/OCF | 5.66 | ||
| P/B | 2.67 | ||
| P/tB | 2.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.66
EY6.97%
EPS(NY)22.97
Fwd EY8.58%
FCF(TTM)47.24
FCFY17.65%
OCF(TTM)47.24
OCFY17.65%
SpS31.65
BVpS100.18
TBVpS99.52
PEG (NY)1.39
PEG (5Y)1.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.1% | ||
| ROE | 18.63% | ||
| ROCE | 4.46% | ||
| ROIC | 3.86% | ||
| ROICexc | 3.92% | ||
| ROICexgc | 4.12% | ||
| OM | 83.94% | ||
| PM (TTM) | 58.98% | ||
| GM | N/A | ||
| FCFM | 149.27% |
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 Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 0.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 10.03 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 253.09% | ||
| 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)18.55%
EPS 3Y23.67%
EPS 5Y12.64%
EPS Q2Q%-14.04%
EPS Next Y10.31%
EPS Next 2Y9.06%
EPS Next 3Y7.4%
EPS Next 5Y7.32%
Revenue 1Y (TTM)41.41%
Revenue growth 3Y-46.83%
Revenue growth 5Y-28.84%
Sales Q2Q%4.45%
Revenue Next Year5.57%
Revenue Next 2Y4.37%
Revenue Next 3Y3.07%
Revenue Next 5Y3.83%
EBIT growth 1Y55.42%
EBIT growth 3Y33.8%
EBIT growth 5Y15.74%
EBIT Next Year8.15%
EBIT Next 3Y6.41%
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%