Hannover Rueck SE (HVRRY) AI Stock Analysis

• Market Cap: $34.39B
• Dividend Yield: 3.84%
• Average Volume (3M): 1.17K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.34
• Revenue Growth: 4.35%
• EPS Growth: 12.64%
• Country: US
• Employees: 3,895
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Reinsurance
• EPS (TTM): 1.04
• Shares Outstanding: 723,582,800
• 10 Day Avg. Volume: 1,549
• 30 Day Avg. Volume: 1,170
• PEG Ratio: 0.45
• Price to Book (P/B): 2.46
• Price to Sales (P/S): 1.10
• P/FCF Ratio: 5.11
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 37.99
• Enterprise Value/Gross Profit: 37.99
• Enterprise Value/Ebitda: 12.58
• 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: 76 Outperform
• Price Target: $57.00 ▲(16.80% Upside)

Hannover Rueck SE's strong financial performance and positive earnings call are the most significant factors contributing to its score. The company shows robust revenue growth and profitability, with effective equity utilization. The technical analysis indicates a neutral trend, while the valuation is reasonable with an attractive dividend yield. The earnings call highlights substantial growth and increased guidance, reinforcing the company's strong position in the industry.

Hannover Rueck SE Business Overview & Revenue Model

Company Description

Hannover Rueck SE (HVRRY) is one of the leading global reinsurance companies, headquartered in Hannover, Germany. The company operates primarily in the reinsurance sector, providing a wide range of reinsurance solutions including property and casualty, life and health, and specialty lines. With a strong focus on risk management and innovative solutions, Hannover Rueck serves clients across various industries and regions, helping them mitigate risks and manage their capital effectively.

How the Company Makes Money

Hannover Rueck generates revenue primarily through its reinsurance operations, which involve underwriting insurance policies from primary insurers and accepting the risks associated with those policies. The company earns premium income by providing coverage for various types of risks, including natural disasters, health-related claims, and other liabilities. Additionally, Hannover Rueck invests the premiums it receives in a diversified portfolio of assets, generating investment income. Key revenue streams include the underwriting profits from its reinsurance business and the returns on its investment portfolio. The company also engages in strategic partnerships with insurance companies and other financial institutions, enhancing its market presence and contributing to its earnings through collaborative risk management solutions.

Hannover Rueck SE Financial Statement Overview

Summary

Hannover Rueck SE demonstrates strong financial health with robust revenue growth and profitability. The balance sheet is stable with manageable leverage, and the company effectively utilizes its equity. However, declining free cash flow growth and increasing debt levels warrant attention to ensure continued financial stability.

Income Statement

Hannover Rueck SE shows strong revenue growth with a 12.41% increase in TTM, indicating robust business expansion. The company maintains healthy profitability with a gross profit margin of 92.80% and a net profit margin of 8.78%. EBIT and EBITDA margins are stable at 11.81%, reflecting efficient operational management. However, the slight decline in net profit margin from the previous year suggests potential cost pressures.

Balance Sheet

The balance sheet is solid with a manageable debt-to-equity ratio of 0.37, indicating prudent leverage. Return on equity is impressive at 21.53%, showcasing effective use of equity capital. The equity ratio stands at 15.99%, suggesting a stable capital structure. However, the slight increase in debt levels over the past year could pose a risk if not managed carefully.

Cash Flow

Operating cash flow remains strong, but free cash flow has declined by 7.60% in the TTM, which may impact future investment capabilities. The free cash flow to net income ratio of 0.78 indicates that a significant portion of earnings is being converted into cash, although this is lower than the previous year. The company needs to monitor cash flow closely to maintain financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.15B	2.66B	1.13B	1.39B	26.15B	23.28B
Gross Profit	1.15B	2.53B	1.04B	1.31B	20.39B	18.24B
EBITDA	3.47B	3.37B	2.01B	1.44B	1.85B	1.39B
Net Income	2.48B	2.33B	1.82B	780.80M	1.23B	883.07M
Balance Sheet
Total Assets	69.36B	72.13B	65.67B	86.95B	82.90B	71.44B
Cash, Cash Equivalents and Short-Term Investments	54.67B	57.39B	1.05B	46.65B	47.59B	40.97B
Total Debt	4.11B	4.67B	4.77B	5.51B	4.37B	3.43B
Total Liabilities	57.40B	59.44B	54.65B	78.20B	70.15B	59.60B
Stockholders Equity	11.10B	11.79B	10.13B	9.06B	11.89B	11.00B
Cash Flow
Free Cash Flow	5.26B	5.68B	5.79B	5.16B	4.60B	2.86B
Operating Cash Flow	5.26B	5.68B	5.79B	5.16B	4.94B	3.23B
Investing Cash Flow	-3.32B	-4.41B	-4.51B	-5.38B	-5.26B	-2.24B
Financing Cash Flow	-1.82B	-1.10B	-1.50B	133.25M	277.51M	-726.04M

Hannover Rueck SE Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 48.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HVRRY, the sentiment is Negative. The current price of 48.8 is below the 20-day moving average (MA) of 48.97, below the 50-day MA of 49.31, and below the 200-day MA of 49.59, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.51 is Neutral, neither overbought nor oversold. The STOCH value of 29.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HVRRY.

Hannover Rueck SE Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACGL	79 Outperform	$33.06B	8.60	17.81%	―	16.68%	-28.54%
RNR	78 Outperform	$12.09B	7.28	14.98%	0.60%	-3.96%	-48.08%
HVRRY	76 Outperform	$34.39B	12.66	22.23%	3.84%	4.35%	12.64%
RGA	76 Outperform	$12.30B	14.46	7.19%	1.94%	2.10%	19.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EG	65 Neutral	$13.13B	23.21	3.59%	2.48%	8.62%	-78.92%
AIG	59 Neutral	$40.99B	13.62	7.68%	2.11%	-23.02%	52.43%

Hannover Rueck SE Corporate Events

Hannover Rueck SE Reports Strong Q3 2025 Earnings

Hannover Rueck SE (ADR) is a leading global reinsurance company, operating primarily in the property and casualty, as well as life and health reinsurance sectors, known for its robust risk management and strategic growth initiatives.

Hannover Rueck SE Reports Strong H1 2025 Performance

Hannover Rueck SE (ADR) is a leading global reinsurance company, specializing in property and casualty as well as life and health reinsurance, known for its robust business model and adaptability to changing risk landscapes. In its latest earnings report for the first half of 2025, Hannover Re reported a solid performance with a 3.3% increase in reinsurance revenue, reaching EUR 13.3 billion, and a significant 13.2% rise in group net income to EUR 1.3 billion. The company also achieved a return on equity of 23.0%, reflecting strong profitability despite slightly higher-than-expected large loss expenditures. Key financial metrics highlighted include a 6.3% improvement in operating profit (EBIT) to EUR 1.76 billion and a 3.6% increase in investment results to EUR 1.05 billion. The company’s solvency ratio remains robust at 261%, comfortably above its target, ensuring financial stability. Looking ahead, Hannover Re remains focused on profitable growth and maintaining its position as a reliable partner in the reinsurance industry, with management expressing confidence in achieving full-year targets despite ongoing geopolitical and economic challenges.