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

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IT:G

Assicurazioni Generali S.p.A.

(LSE:G)

Rating:64Neutral
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. (G) vs. iShares MSCI Italy ETF (EWI)

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

Company DescriptionAssicurazioni 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 MoneyAssicurazioni 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
72
Positive
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
65
Positive
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
58
Neutral
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue59.68B57.20B72.64B92.79B77.72B
Gross Profit53.74B48.48B72.64B92.79B77.72B
EBITDA6.97B-1.19B4.82B5.59B4.76B
Net Income3.72B3.75B2.91B2.85B1.74B
Balance Sheet
Total Assets538.65B507.23B519.05B586.23B544.71B
Cash, Cash Equivalents and Short-Term Investments8.31B7.07B287.67B357.05B344.90B
Total Debt37.54B15.20B16.48B16.57B13.42B
Total Liabilities505.55B475.94B500.91B554.35B512.92B
Stockholders Equity30.39B28.97B16.20B29.31B30.03B
Cash Flow
Free Cash Flow15.01B1.55B9.90B29.39B19.01B
Operating Cash Flow15.38B1.73B10.54B17.48B19.34B
Investing Cash Flow-13.82B2.27B-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 Price32.12
Price Trends
50DMA
31.43
Positive
100DMA
31.12
Positive
200DMA
29.10
Positive
Market Momentum
MACD
0.26
Negative
RSI
65.10
Neutral
STOCH
82.88
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$17.10B11.449.70%3.58%11.11%-4.78%
64
Neutral
€49.45B13.2412.66%4.46%12.38%-0.28%
€5.38B12.8430.35%5.86%
€11.50B17.6428.46%3.93%
€15.11B11.7511.91%5.98%
€12.37B11.4112.42%4.92%
$13.03B10.7627.96%0.61%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:G
Assicurazioni Generali S.p.A.
32.12
9.29
40.67%
GB:0DQZ
Banca Generali SpA
48.56
10.34
27.05%
GB:0QVF
FinecoBank SpA
18.81
3.36
21.75%
GB:0HBF
Mediobanca Banca di Credito Finanziario S.p.A.
18.73
4.85
34.94%
GB:0Q6M
Unipol Gruppo Finanziario SpA
17.26
7.85
83.42%
BNMDF
Banca Mediolanum SpA
18.03
7.18
66.18%
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.Date of analysis: Jul 09, 2025