Assicurazioni Generali (ARZGY) AI Stock Analysis

• Market Cap: $58.30B
• Dividend Yield: 4.25%
• Average Volume (3M): 6.54K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 0.34
• Revenue Growth: -0.06%
• EPS Growth: 9.93%
• Country: US
• Employees: 86,851
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 0.85
• Shares Outstanding: 3,099,569,800
• 10 Day Avg. Volume: 10,329
• 30 Day Avg. Volume: 6,538
• PEG Ratio: 4.42
• Price to Book (P/B): 1.36
• Price to Sales (P/S): 0.75
• P/FCF Ratio: 2.53
• Enterprise Value/Market Cap: 1.75
• Enterprise Value/Revenue: 1.91
• Enterprise Value/Gross Profit: 1.91
• Enterprise Value/Ebitda: 12.75
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $21.00 ▲(10.70% Upside)

Assicurazioni Generali's strong earnings call results and strategic initiatives are the most significant factors driving the stock's score. The company's stable financial performance and reasonable valuation further support the stock's attractiveness. However, technical indicators suggest caution due to short-term bearish momentum.

Assicurazioni Generali Business Overview & Revenue Model

Company Description

Assicurazioni Generali S.p.A. provides various insurance solutions. The company operates through four segments: Non-Life; Life; Asset Management; and Holding and Other Business. It offers saving and protection insurance products for individuals and family; unit linked products with investment purposes; and motor, motor third-party liability, casualty, accident, health, and commercial and industrial risks insurance products. The company also provides equity and fixed-income funds, and alternative products; and investment advisory, asset management, and financial planning services. It operates in Italy, France, Germany, Austria, Czech Republic, Poland, Hungary, Slovakia, Serbia, Montenegro, Romania, Slovenia, Bulgaria, Croatia, Russia, Spain, Switzerland, the Americas, Southern Europe, and Asia. The company was formerly known as Assicurazioni Generali Austro-Italiche and changed its name to Assicurazioni Generali S.p.A. in 1848. Assicurazioni Generali S.p.A. was founded in 1831 and is headquartered in Trieste, Italy.

How the Company Makes Money

Generali 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 Financial Statement Overview

Summary

Assicurazioni Generali presents a stable financial position with strong profitability and efficient operations. While revenue trends show some decline, cost control measures maintain profitability. The balance sheet is well-managed with moderate leverage. Cash flows are solid, though variability in free cash flow growth suggests the need for ongoing monitoring.

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.

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.

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	53.39B	55.30B	53.73B	50.48B	95.67B	77.72B
Gross Profit	53.39B	55.30B	48.48B	0.00	95.67B	81.03B
EBITDA	8.01B	7.19B	112.82B	4.58B	6.09B	5.06B
Net Income	3.82B	3.72B	3.75B	2.35B	2.85B	1.74B
Balance Sheet
Total Assets	542.04B	538.65B	508.61B	519.05B	586.23B	544.71B
Cash, Cash Equivalents and Short-Term Investments	0.00	246.29B	230.43B	287.67B	357.05B	344.90B
Total Debt	38.65B	17.58B	33.17B	16.48B	16.57B	13.42B
Total Liabilities	509.77B	505.55B	477.33B	500.91B	554.35B	512.92B
Stockholders Equity	29.72B	30.39B	28.97B	26.65B	29.31B	30.03B
Cash Flow
Free Cash Flow	19.12B	16.41B	1.55B	9.90B	29.39B	19.01B
Operating Cash Flow	19.64B	16.82B	1.73B	10.54B	17.48B	19.34B
Investing Cash Flow	-18.17B	-15.12B	2.28B	-9.02B	-16.30B	-15.98B
Financing Cash Flow	-363.80M	-369.94M	-3.80B	-2.42B	-677.00M	-2.27B

Assicurazioni Generali Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 18.97
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 18.97 is below the 20-day moving average (MA) of 19.09, below the 50-day MA of 19.23, and above the 200-day MA of 18.06, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 45.59 is Neutral, neither overbought nor oversold. The STOCH value of 31.57 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACGL	79 Outperform	$32.75B	8.38	17.81%	―	16.68%	-28.54%
HIG	74 Outperform	$35.65B	10.45	20.07%	1.66%	7.11%	22.52%
ARZGY	74 Outperform	$58.30B	13.92	12.68%	4.25%	-0.06%	9.93%
PFG	73 Outperform	$18.11B	12.00	13.74%	3.67%	12.33%	―
AEG	69 Neutral	$12.07B	8.40	14.42%	5.81%	-6.19%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AIG	59 Neutral	$41.16B	13.67	7.68%	2.11%	-23.02%	52.43%

Assicurazioni Generali Corporate Events

Generali SpA’s Earnings Call Highlights Strong Growth

Assicurazioni Generali SpA’s recent earnings call revealed a predominantly positive sentiment, underscoring strong performance across key business segments such as Property & Casualty, Life, and Asset Management. The company showcased significant achievements in operating results, net inflows, and shareholder returns through a share buyback program, indicating effective strategy execution. Despite challenges in markets like Spain, Portugal, and Switzerland, and a solvency ratio below consensus, the positive aspects of the earnings call notably outweighed the negatives.

Generali Reports Strong Growth in H1 2025

Assicurazioni Generali SpA, a leading global insurance and asset management group, has reported robust financial results for the first half of 2025, showcasing a strong start to its ‘Lifetime Partner 27: Driving Excellence’ strategic plan. The company, which operates primarily in the insurance sector, is known for its comprehensive range of services and a significant presence in Europe, Asia, and Latin America.