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Assicurazioni Generali (ARZGY)
OTHER OTC:ARZGY
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Assicurazioni Generali
(OTC:ARZGY)
Rating:80Outperform
Price Target:
$22.00
▲(12.82% Upside)
Assicurazioni Generali (ARZGY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$59.87B
Dividend Yield4.13%
Average Volume (3M)3.02K
Price to Earnings (P/E)14.3
Beta (1Y)0.37
Revenue Growth12.44%
EPS Growth-0.23%
CountryUS
Employees86,851
SectorFinancial
Sector Strength67
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)0.85
Shares Outstanding3,099,569,800
10 Day Avg. Volume2,454
30 Day Avg. Volume3,023
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Assicurazioni Generali Business Overview & Revenue Model
Company DescriptionAssicurazioni Generali S.p.A. (ARZGY) is a global insurance company headquartered in Trieste, Italy. Established in 1831, it is one of the largest insurance providers in the world, operating across various sectors including life and non-life insurance. The company offers a diverse range of insurance products and financial services, which include life insurance, property and casualty insurance, and asset management services. With a presence in multiple countries, Generali serves both individual and corporate clients, leveraging its extensive network of subsidiaries and partnerships.
How the Company Makes MoneyAssicurazioni Generali generates revenue primarily through the sale of insurance policies and related financial products. The company's key revenue streams include life insurance premiums, which provide coverage for events such as death, disability, and retirement, and non-life insurance premiums, which cover risks related to property, liability, and personal accidents. In addition to premium income, Generali earns money through investment activities, where it manages the assets collected from policyholders and seeks returns through various investment vehicles. The company also benefits from fees and commissions related to its asset management services. Strategic partnerships and joint ventures in different markets enhance its distribution capabilities and market reach, contributing to its overall earnings.
Assicurazioni Generali Earnings Call Summary
Earnings Call Date:Aug 06, 2025
(Q2-2025)
| % Change Since: 3.67%|
Next Earnings Date:Nov 13, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong performance in key business areas such as Property & Casualty, Life, and Asset Management. Significant achievements in operating results, net inflows, and shareholder returns through a share buyback program highlight the company's effective strategy execution. However, there are challenges in certain markets like Spain, Portugal, and Switzerland, as well as a solvency ratio below consensus. Overall, the positive aspects significantly outweigh the lowlights.Q2-2025 Updates
Positive Updates
Strong Operating Results
Generali recorded significant and continued growth in operating results, exceeding EUR 4 billion, with an 8.7% year-on-year increase driven by Property & Casualty, Life, and Asset Management.
Adjusted Net Results and Earnings Per Share Growth
Adjusted net results exceeded EUR 2.2 billion, growing by 10.4%, while adjusted earnings per share rose by 12.5% year-on-year.
Property & Casualty Growth
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, with capital-light products making up almost 88% of new business production.
Asset Management Performance
Asset Management delivered an 11.7% increase in operating result, with positive net inflows from third parties amounting to EUR 3.6 billion.
Share Buyback Program
Generali announced a EUR 500 million share buyback program, reinforcing its commitment to value creation for shareholders.
Improvement in Customer Relationships
Generali improved its relationship Net Promoter Score, maintaining the #1 position in its peer group and improving customer retention levels.
Negative Updates
Solvency Ratio Below Consensus
The solvency ratio was below consensus, partly due to rerisking and growth outside the European Union, especially in Asia.
Challenging Market in Spain and Portugal
Generali's motor business in Spain and Portugal faced challenges with pricing not fully covering the risk premium.
Switzerland Turnaround Efforts
Switzerland remains a turnaround case with negative developments on the non-motor side, particularly in the accident business.
Company Guidance
During the Generali Group's first half 2025 results call, the company provided robust guidance and performance metrics, highlighting a strong start to their strategic plan, "Lifetime Partner 27: Driving Excellence." Generali reported a significant increase in operating results, exceeding EUR 4 billion, marking an 8.7% year-on-year growth driven by contributions from Property & Casualty (P&C), Life, and Asset Management. The adjusted net results surpassed EUR 2.2 billion, growing by 10.4%, while adjusted earnings per share rose by 12.5%. The P&C operating result increased by over 18% year-on-year, and the current year's attritional undiscounted loss ratio improved by 170 basis points. Life net inflows exceeded EUR 6.3 billion, with capital-light products constituting almost 88% of new business production. The new business margin reached 5.6% in the second quarter. Furthermore, Asset Management saw an 11.7% increase in operating results, with positive net inflows from third parties amounting to EUR 3.6 billion. The group also announced a EUR 500 million share buyback and emphasized ongoing investments in artificial intelligence, technology, and sustainability.Assicurazioni Generali Financial Statement Overview
Summary
Generali's financial performance is stable, with strong profitability and efficient operations. The company exhibits solid revenue and profit margins despite some revenue decline. The balance sheet is well-managed, indicating financial stability, and cash flows are positive, though free cash flow variability warrants attention.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 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 59.68B | 57.20B | 72.64B | 92.79B | 77.72B |
| Gross Profit | 53.74B | 48.48B | 72.64B | 92.79B | 77.72B |
| EBITDA | 7.19B | 112.82B | 0.00 | 4.93B | 3.92B |
| Net Income | 3.72B | 3.75B | 2.91B | 2.85B | 1.74B |
Balance Sheet | |||||
| Total Assets | 538.65B | 508.61B | 519.05B | 586.23B | 544.71B |
| Cash, Cash Equivalents and Short-Term Investments | 246.29B | 7.07B | 287.67B | 357.05B | 344.90B |
| Total Debt | 17.58B | 33.17B | 16.48B | 16.57B | 13.42B |
| Total Liabilities | 505.55B | 477.33B | 500.91B | 554.35B | 512.92B |
| Stockholders Equity | 30.39B | 28.97B | 16.20B | 29.31B | 30.03B |
Cash Flow | |||||
| Free Cash Flow | 15.01B | 1.55B | 9.90B | 29.39B | 19.01B |
| Operating Cash Flow | 15.38B | 1.73B | 10.54B | 17.48B | 19.34B |
| Investing Cash Flow | -13.82B | 2.28B | -9.54B | -16.30B | -15.98B |
| Financing Cash Flow | -342.00M | -3.80B | -2.22B | -677.00M | -2.27B |
Assicurazioni Generali Technical Analysis
Positive
19.50
Price Trends
18.19
Positive
17.90
Positive
16.29
Positive
Market Momentum
0.28
Negative
68.75
Neutral
94.08
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ARZGY, the sentiment is Positive. The current price of 19.5 is above the 20-day moving average (MA) of 18.63, above the 50-day MA of 18.19, and above the 200-day MA of 16.29, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 68.75 is Neutral, neither overbought nor oversold. The STOCH value of 94.08 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ARZGY.
Assicurazioni Generali Peers Comparison
Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $59.87B | 14.26 | 12.68% | 4.13% | 12.44% | -0.23% | |
79 Outperform | $36.22B | 11.68 | 19.55% | 1.60% | 7.67% | 15.99% | |
76 Outperform | $33.23B | 9.27 | 17.09% | ― | 23.79% | -32.09% | |
72 Outperform | $16.96B | 15.33 | 10.16% | 3.92% | -3.34% | -3.32% | |
70 Neutral | $11.22B | 15.69 | 9.36% | 5.45% | -5.03% | ― | |
67 Neutral | $17.02B | 11.60 | 9.79% | 3.95% | 10.61% | 2.06% | |
56 Neutral | $45.21B | 17.53 | 6.13% | 2.15% | -44.30% | -33.09% |
* Financial Sector Average
Performance Comparison
ARZGY
Assicurazioni Generali
19.50
7.52
62.77%
AEG
Aegon
7.28
1.57
27.50%
AIG
American International Group
76.60
5.96
8.44%
ACGL
Arch Capital Group
88.86
-4.71
-5.03%
HIG
Hartford Financial
127.21
21.59
20.44%
PFG
Principal Financial
75.60
3.82
5.32%
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.