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Assicurazioni Generali S.p.A. (IT:G)
:G
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Assicurazioni Generali S.p.A.
(G)
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Rating:63Neutral
Price Target:
€35.00
▲(6.74% Upside)
The overall stock score of 63 reflects a balanced view of Assicurazioni Generali S.p.A.'s current position. The most significant factor is the financial performance, which highlights strong revenue generation but also points to challenges with debt and liquidity. Technical analysis suggests a lack of strong momentum, while the valuation indicates the stock is fairly valued with an attractive dividend yield. The absence of earnings call and corporate events data means these factors do not influence the score.
Assicurazioni Generali S.p.A. (G) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€50.73B
Dividend Yield4.36%
Average Volume (3M)2.26M
Price to Earnings (P/E)13.2
Beta (1Y)0.90
Revenue Growth-0.59%
EPS Growth9.24%
CountryIT
Employees86,851
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)1.47
Shares Outstanding1,549,784,900
10 Day Avg. Volume2,229,690
30 Day Avg. Volume2,255,554
Financial Highlights & Ratios
PEG Ratio-27.38
Price to Book (P/B)1.38
Price to Sales (P/S)0.76
P/FCF Ratio2.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€34.39Price Target Upside4.88% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Assicurazioni Generali S.p.A. Business Overview & Revenue Model
Company DescriptionAssicurazioni Generali S.p.A. (G) is a leading global insurance and asset management company headquartered in Trieste, Italy. Founded in 1831, Generali operates across various sectors including life and non-life insurance, health insurance, and financial services. The company offers a wide range of products such as personal and commercial insurance, retirement solutions, investment portfolios, and wealth management services, catering to both individual and corporate clients worldwide.
How the Company Makes MoneyGenerali generates revenue primarily through its insurance premiums, which are collected from policyholders in exchange for coverage against various risks. The company earns significant income from both life and non-life insurance segments, with life insurance products typically providing long-term revenue through policyholder contributions. Additionally, Generali has a robust asset management division that invests premiums in various financial instruments, generating returns that contribute to its overall profitability. The company also engages in reinsurance, allowing it to mitigate risk and enhance its earnings. Strategic partnerships with banks and financial institutions further bolster its distribution channels, enabling Generali to reach a wider customer base and enhance its revenue streams.
Assicurazioni Generali S.p.A. Financial Statement Overview
Summary
Assicurazioni Generali S.p.A. demonstrates strong revenue generation typical of the insurance industry but faces challenges with profitability and leverage. While the income statement shows stable net income, high debt levels on the balance sheet present risks. The cash flow statement highlights potential liquidity issues, necessitating careful financial management moving forward.Income Statement
The company has shown fluctuating revenue trends with a recent decline in 2024 compared to 2023. The gross profit margin is consistently high due to the business model, but the net profit margin and EBIT margin indicate moderate profitability. Net income has remained relatively stable, showing resilience in challenging market conditions.72
Positive
Balance Sheet
The balance sheet reveals a high level of total debt, which has increased significantly in 2024. The debt-to-equity ratio is concerning, indicating high leverage. However, the equity ratio is stable, suggesting a reasonable level of equity backing the assets. The return on equity has been moderate, showing consistent shareholder returns.65
Positive
Cash Flow
The cash flow statement indicates challenges in maintaining free cash flow, with figures dropping to zero in 2024. The operating cash flow has varied year-over-year, impacting the cash flow to net income ratios. Despite previous strong cash flow performance, recent figures highlight potential liquidity concerns.58
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.00B | 55.30B | 72.85B | 48.03B | 95.67B | 78.93B |
| Gross Profit | 55.09B | 55.30B | 48.48B | 25.91B | 95.67B | 81.03B |
| EBITDA | 11.24B | 6.97B | 6.10B | 4.82B | 5.59B | 4.15B |
| Net Income | 4.95B | 3.72B | 3.75B | 2.23B | 2.85B | 1.74B |
Balance Sheet | ||||||
| Total Assets | 542.04B | 538.65B | 507.23B | 503.24B | 586.23B | 544.71B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 8.31B | 230.43B | 287.67B | 357.05B | 344.90B |
| Total Debt | 38.65B | 37.54B | 36.28B | 36.93B | 16.57B | 13.42B |
| Total Liabilities | 509.77B | 505.55B | 475.94B | 474.26B | 554.35B | 512.92B |
| Stockholders Equity | 29.72B | 30.39B | 28.97B | 26.65B | 29.31B | 30.03B |
Cash Flow | ||||||
| Free Cash Flow | 13.44B | 15.01B | 1.55B | 9.42B | 29.39B | 19.01B |
| Operating Cash Flow | 13.77B | 15.38B | 1.73B | 10.34B | 17.48B | 19.34B |
| Investing Cash Flow | -17.58B | -13.82B | 2.27B | -9.02B | -16.30B | -15.98B |
| Financing Cash Flow | -473.00M | -342.00M | -3.80B | -2.42B | -677.00M | -2.27B |
Assicurazioni Generali S.p.A. Technical Analysis
Negative
32.79
Price Trends
32.96
Negative
32.52
Positive
31.74
Positive
Market Momentum
0.04
Negative
47.06
Neutral
51.54
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:G, the sentiment is Negative. The current price of 32.79 is below the 20-day moving average (MA) of 32.92, below the 50-day MA of 32.96, and above the 200-day MA of 31.74, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 47.06 is Neutral, neither overbought nor oversold. The STOCH value of 51.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IT:G.
Assicurazioni Generali S.p.A. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | €5.65B | 14.44 | 31.25% | 5.33% | 4.46% | -0.62% | |
71 Outperform | €12.36B | 19.01 | 32.83% | 3.49% | 2.97% | 4.64% | |
71 Outperform | $13.05B | 11.38 | 28.26% | 5.27% | 2.34% | 53.62% | |
70 Outperform | €13.01B | 10.05 | 11.91% | 6.85% | -0.72% | 6.52% | |
69 Neutral | €13.89B | 11.94 | 13.26% | 4.55% | 6.59% | -2.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | €50.73B | 13.18 | 13.09% | 4.36% | -0.59% | 9.24% |
* Financial Sector Average
IT:G
Assicurazioni Generali S.p.A.
32.79
8.61
35.64%
IT:BGN
Banca Generali SpA
51.55
11.66
29.22%
IT:FBK
FinecoBank SpA
21.07
6.80
47.65%
IT:MB
Mediobanca Banca di Credito Finanziario S.p.A.
16.50
2.13
14.79%
IT:UNI
Unipol Gruppo Finanziario SpA
18.67
8.02
75.34%
IT:BMED
Banca Mediolanum SpA
18.03
7.28
67.71%
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.