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Assicurazioni Generali (ARZGY)
OTHER OTC:ARZGY
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Assicurazioni Generali
(OTC:ARZGY)
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Rating:80Outperform
Price Target:
$22.00
▲(14.52% Upside)
Assicurazioni Generali's strong earnings performance and technical momentum are the primary drivers of the stock's high score. The company's robust financial health and attractive valuation further support the positive outlook. While there are challenges in specific markets, the overall sentiment remains favorable.
Assicurazioni Generali (ARZGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$60.30B
Dividend Yield4.17%
Average Volume (3M)1.88K
Price to Earnings (P/E)14.4
Beta (1Y)0.38
Revenue Growth-0.06%
EPS Growth9.93%
CountryUS
Employees86,851
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.85
Shares Outstanding3,099,569,800
10 Day Avg. Volume2,619
30 Day Avg. Volume1,876
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap1.69
Enterprise Value/Revenue1.93
Enterprise Value/Gross Profit1.33
Enterprise Value/Ebitda-64.85
Forecast
1Y Price Target
$22.00Price Target Upside14.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering0
Assicurazioni Generali Business Overview & Revenue Model
Company DescriptionAssicurazioni Generali, commonly known as Generali, is a leading global insurance and financial services company headquartered in Trieste, Italy. Founded in 1831, it operates across various sectors including life insurance, property and casualty insurance, and asset management. Generali serves millions of customers worldwide, offering a diverse range of products such as life insurance policies, health insurance, retirement solutions, and investment products aimed at both individual and corporate clients.
How the Company Makes MoneyGenerali generates revenue primarily through the sale of insurance premiums in both life and non-life segments. The company collects premiums from policyholders, which serve as a core revenue stream. Additionally, Generali earns income from investment activities, as it manages a substantial portfolio of assets that includes stocks, bonds, and real estate. Investment income is a significant contributor to the company’s profitability, as it can yield returns that complement the funds generated from premiums. Furthermore, Generali engages in reinsurance and collaborates with various partners and intermediaries to expand its reach and market presence. The company also benefits from economies of scale and diversified operations across different regions, which help mitigate risks and enhance overall earnings.
Assicurazioni Generali Earnings Call Summary
Earnings Call Date:Aug 06, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 13, 2025
Earnings Call Sentiment Positive
Generali's first half 2025 results show strong growth in operating results and strategic advancements, notably in P&C and Life segments, supported by a share buyback program. While the solvency ratio was below expectations and tax rates increased, these challenges are outweighed by the company's robust performance and strategic initiatives.Q2-2025 Updates
Positive Updates
Strong Operating Results Growth
Generali recorded significant growth in operating results, exceeding EUR 4 billion, an 8.7% year-on-year increase driven by Property & Casualty, Life and Asset Management.
Share Buyback Program
Adjusted net results exceeded EUR 2.2 billion, growing by 10.4%. The company announced a EUR 500 million share buyback, reinforcing capital management.
Property & Casualty Performance
P&C operating result grew by over 18% year-on-year, with a 170 basis point improvement in the current year's attritional undiscounted loss ratio.
Life Business Recovery
Life net inflows exceeded EUR 6.3 billion. The share of capital-light products in new business production increased to almost 88%, with new business margin reaching 5.6% in Q2.
Asset Management Growth
Asset Management operating result increased by 11.7%, with net inflows from third parties totaling EUR 3.6 billion.
Customer Relationship Excellence
Improved relationship Net Promoter Score, maintaining the #1 position in peer group and enhancing customer retention levels.
Negative Updates
Solvency Ratio Below Consensus
Solvency ratio was slightly below consensus due to factors including rerisking and growth outside the European Union.
Higher Tax Rate in Q2
The company experienced a higher tax rate in Q2 due to intra-group dividends and expects a lower tax rate below 30% in the second half of 2025.
Company Guidance
During the call, Generali Group provided comprehensive guidance on its performance metrics for the first half of 2025, showcasing robust growth across its business segments. The company reported operating results exceeding EUR 4 billion, marking an 8.7% year-on-year increase, driven by the strong performance in Property & Casualty, Life, and Asset Management. Adjusted net results exceeded EUR 2.2 billion, growing by 10.4%, with adjusted earnings per share rising by 12.5%. The Property & Casualty operating result grew by over 18% year-on-year, aided by a 170 basis point improvement in the attritional undiscounted loss ratio. Life net inflows surpassed EUR 6.3 billion, and the new business margin improved to 5.6% in the second quarter. Asset Management saw an 11.7% increase in operating results, with net inflows from third parties totaling EUR 3.6 billion. The company also announced a EUR 500 million share buyback, demonstrating its commitment to delivering value to shareholders. The strategic focus on protection, health, and accident insurance was highlighted, with these areas accounting for 20% of overall gross written premiums, growing 7.1% year-on-year.Assicurazioni Generali Financial Statement Overview
Summary
Assicurazioni Generali demonstrates solid financial performance with strong profitability and efficient operations. The balance sheet is stable with moderate leverage, though revenue trends show some decline. Cash flows are positive but exhibit variability, necessitating careful management.Income Statement
Assicurazioni Generali demonstrates a solid revenue base with moderate growth. The gross profit margin is strong, indicating efficient cost management. However, there is a noticeable decline in revenue over the past years, impacting net profit margins. EBIT and EBITDA margins are robust, reflecting good operational efficiency.72
Positive
Balance Sheet
The company maintains a healthy equity position, with a strong equity ratio. The debt-to-equity ratio shows moderate leverage, which is typical for the insurance industry. Return on equity is stable, suggesting consistent profitability. Overall, the balance sheet reflects financial stability.78
Positive
Cash Flow
Operating cash flow remains positive, indicating good cash generation from core operations. However, fluctuations in free cash flow growth and a moderate free cash flow to net income ratio suggest potential variability in cash flow management. The cash flow statement reflects strong operational cash generation but highlights the need for careful capital expenditure management.67
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.82B | 59.68B | 57.20B | 32.00B | 95.67B | 77.72B |
| Gross Profit | 76.81B | 53.74B | 48.48B | 25.91B | 95.67B | 81.03B |
| EBITDA | -1.58B | 7.19B | 112.82B | 5.62B | 6.09B | 5.06B |
| Net Income | 4.28B | 3.72B | 3.75B | 2.91B | 2.85B | 1.74B |
Balance Sheet | ||||||
| Total Assets | 521.73B | 538.65B | 508.61B | 519.05B | 586.23B | 544.71B |
| Cash, Cash Equivalents and Short-Term Investments | 6.95B | 246.29B | 7.07B | 287.67B | 357.05B | 344.90B |
| Total Debt | 36.01B | 17.58B | 33.17B | 16.48B | 16.57B | 13.42B |
| Total Liabilities | 489.83B | 505.55B | 477.33B | 500.91B | 554.35B | 512.92B |
| Stockholders Equity | 29.20B | 30.39B | 28.97B | 26.65B | 29.31B | 30.03B |
Cash Flow | ||||||
| Free Cash Flow | 9.89B | 15.01B | 1.55B | 9.90B | 29.39B | 19.01B |
| Operating Cash Flow | 10.20B | 15.38B | 1.73B | 10.54B | 17.48B | 19.34B |
| Investing Cash Flow | -5.93B | -13.82B | 2.28B | -9.54B | -16.30B | -15.98B |
| Financing Cash Flow | -3.60B | -342.00M | -3.80B | -2.42B | -677.00M | -2.27B |
Assicurazioni Generali Technical Analysis
Neutral
19.21
Price Trends
19.26
Negative
18.74
Positive
17.26
Positive
Market Momentum
-0.02
Positive
46.49
Neutral
46.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ARZGY, the sentiment is Neutral. The current price of 19.21 is below the 20-day moving average (MA) of 19.36, below the 50-day MA of 19.26, and above the 200-day MA of 17.26, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 46.49 is Neutral, neither overbought nor oversold. The STOCH value of 46.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ARZGY.
Assicurazioni Generali Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | 37.07B | 11.95 | 18.52% | 1.58% | 7.67% | 15.99% | |
80 Outperform | $60.30B | 14.37 | 12.68% | 4.17% | -0.06% | 9.93% | |
78 Outperform | 33.87B | 9.37 | 16.21% | ― | 23.79% | -32.09% | |
73 Outperform | 18.23B | 16.59 | 14.17% | 3.69% | -3.34% | -3.32% | |
70 Outperform | 43.16B | 14.22 | 7.71% | 2.18% | -33.87% | -5.72% | |
69 Neutral | 12.62B | 8.86 | 7.49% | 5.49% | -6.19% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
ARZGY
Assicurazioni Generali
19.21
5.12
36.34%
AEG
Aegon
8.05
2.08
34.84%
AIG
American International Group
77.90
6.43
9.00%
ACGL
Arch Capital Group
90.76
-16.76
-15.59%
HIG
Hartford Financial
131.85
17.14
14.94%
PFG
Principal Financial
81.84
0.01
0.01%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.