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

• Market Cap: €49.45B
• Dividend Yield: 4.46%
• Average Volume (3M): 3.66M
• Price to Earnings (P/E): 13.2
• Beta (1Y): 0.93
• Revenue Growth: 12.38%
• EPS Growth: -0.28%
• Country: IT
• Employees: 86,851
• Sector: Financial
• Sector Strength: 72
• Industry: Insurance - Diversified
• EPS (TTM): 0.79
• Shares Outstanding: 1,549,784,900
• 10 Day Avg. Volume: 2,169,674
• 30 Day Avg. Volume: 3,659,001
• PEG Ratio: N/A
• Price to Book (P/B): 1.63
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.18
• 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: €32.58
• Price Target Upside: 1.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 8

• Rating: 64 Neutral
• Price Target: €33.00 ▲(2.74%Upside)

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. 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

Assicurazioni Generali S.p.A. generates revenue primarily through the underwriting of insurance policies and the management of investment portfolios. The company's key revenue streams include premiums collected from policyholders for life and non-life insurance products, which provide coverage for various risks. Additionally, Generali earns income from the investment of these premiums in financial markets, generating returns that contribute to its overall profitability. The company also benefits from fees and commissions related to asset management services, where it manages investments on behalf of third parties and institutional clients. Strategic partnerships and collaborations with financial institutions and distribution networks further enhance its market reach and revenue potential.

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	59.68B	57.20B	72.64B	92.79B	77.72B
Gross Profit	53.74B	48.48B	72.64B	92.79B	77.72B
EBITDA	6.97B	-1.19B	4.82B	5.59B	4.76B
Net Income	3.72B	3.75B	2.91B	2.85B	1.74B
Balance Sheet
Total Assets	538.65B	507.23B	519.05B	586.23B	544.71B
Cash, Cash Equivalents and Short-Term Investments	8.31B	7.07B	287.67B	357.05B	344.90B
Total Debt	37.54B	15.20B	16.48B	16.57B	13.42B
Total Liabilities	505.55B	475.94B	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	2.27B	-9.54B	-16.30B	-15.98B
Financing Cash Flow	-342.00M	-3.80B	-2.22B	-677.00M	-2.27B

Assicurazioni Generali S.p.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.12
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 32.12 is above the 20-day moving average (MA) of 30.97, above the 50-day MA of 31.43, and above the 200-day MA of 29.10, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 65.10 is Neutral, neither overbought nor oversold. The STOCH value of 82.88 is Negative, 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	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
G	64 Neutral	€49.45B	13.24	12.66%	4.46%	12.38%	-0.28%
0DQZ	―	€5.38B	12.84	30.35%	5.86%	―	―
0QVF	―	€11.50B	17.64	28.46%	3.93%	―	―
0HBF	―	€15.11B	11.75	11.91%	5.98%	―	―
0Q6M	―	€12.37B	11.41	12.42%	4.92%	―	―
BNMDF	―	$13.03B	10.76	27.96%	0.61%	―	―