Assicurazioni Generali S.p.A. (G) AI Stock Analysis

• Market Cap: €51.46B
• Dividend Yield: 4.31%
• Average Volume (3M): 2.15M
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.95
• Revenue Growth: -0.59%
• EPS Growth: 9.24%
• Country: IT
• Employees: 86,851
• Sector: Financial
• Sector Strength: 77
• Industry: Insurance - Diversified
• EPS (TTM): 1.47
• Shares Outstanding: 1,549,784,900
• 10 Day Avg. Volume: 2,371,283
• 30 Day Avg. Volume: 2,149,145
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €33.05
• Price Target Upside: -0.48% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 8

• Rating: 64 Neutral
• Price Target: €33.00 ▼(-0.63% Downside)

The stock has stable financial performance but is challenged by high leverage and liquidity issues. Technical indicators show bearish trends, while valuation metrics suggest potential value and income opportunities. These factors combine to yield a moderate overall score.

Assicurazioni Generali S.p.A. Business Overview & Revenue Model

Company Description

Assicurazioni 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 Money

Generali 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. has stable net income typical of the insurance sector, but high leverage and recent liquidity concerns pose risks. The income statement is resilient, yet the balance sheet's debt levels are worrying, and cash flow challenges need management attention.

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.

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.

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.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	55.30B	72.85B	48.03B	86.41B	78.93B
Gross Profit	55.30B	48.48B	50.74B	95.67B	81.03B
EBITDA	6.97B	6.10B	4.82B	5.59B	4.15B
Net Income	3.72B	3.75B	2.23B	2.85B	1.74B
Balance Sheet
Total Assets	538.65B	507.23B	503.24B	586.23B	544.71B
Cash, Cash Equivalents and Short-Term Investments	8.31B	230.43B	287.67B	357.05B	344.90B
Total Debt	37.54B	36.28B	36.93B	16.57B	13.42B
Total Liabilities	505.55B	475.94B	474.26B	554.35B	512.92B
Stockholders Equity	30.39B	28.97B	26.65B	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	10.34B	17.48B	19.34B
Investing Cash Flow	-13.82B	2.27B	-9.02B	-16.30B	-15.98B
Financing Cash Flow	-342.00M	-3.80B	-2.42B	-677.00M	-2.27B

Assicurazioni Generali S.p.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.21
• 50DMA: Positive
• 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 IT:G, the sentiment is Positive. The current price of 33.21 is below the 20-day moving average (MA) of 33.72, above the 50-day MA of 32.39, and above the 200-day MA of 30.36, indicating a neutral trend. The MACD of 0.16 indicates Positive momentum. The RSI at 49.71 is Neutral, neither overbought nor oversold. The STOCH value of 30.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:G.

Assicurazioni Generali S.p.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
G	64 Neutral	€51.46B	13.10	13.09%	4.31%	-0.59%	9.24%
0DQZ	―	€5.66B	14.23	32.52%	―	―	―
0QVF	―	€11.38B	17.24	32.83%	―	―	―
0HBF	―	€15.21B	11.79	11.90%	―	―	―
0Q6M	―	€12.42B	10.68	13.26%	―	―	―
BNMDF	―	$14.88B	12.03	28.26%	7.36%	―	―