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

• Market Cap: €50.15B
• Dividend Yield: 4.4%
• Average Volume (3M): 4.30M
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.90
• Revenue Growth: 12.38%
• EPS Growth: -0.28%
• Country: IT
• Employees: 86,851
• Sector: Financial
• Sector Strength: 83
• Industry: Insurance - Diversified
• EPS (TTM): 0.79
• Shares Outstanding: 1,549,784,900
• 10 Day Avg. Volume: 5,414,977
• 30 Day Avg. Volume: 4,303,917
• PEG Ratio: -3.15
• Price to Book (P/B): 1.63
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.01
• 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: €32.01
• Price Target Upside: -1.48% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 10

• Rating: 64 Neutral
• Price Target: ―

Assicurazioni Generali S.p.A. shows robust revenue generation, typical for the insurance sector, but faces significant challenges with debt levels and cash flow, impacting the financial performance score. Technical indicators suggest short-term caution, although longer-term trends remain positive. The stock's valuation is reasonable, with a solid dividend yield, providing a buffer against market volatility. Overall, the strengths in valuation and longer-term technical trends are balanced by financial performance risks.

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 collection of insurance premiums from its policyholders. The company segments its operations into life and non-life (property and casualty) insurance, with life insurance being a major contributor to its income. Generali collects premiums on life insurance policies, which include products like term life, whole life, and annuities, and invests these premiums to generate returns. In the non-life sector, the company earns revenue by underwriting policies for various risks, such as motor vehicle, property, and liability insurance. Investment income from the management of the company's portfolio is another significant revenue stream. Generali also benefits from strategic partnerships and alliances, which help to expand its market reach and enhance its product offerings. The company focuses on maintaining a balanced mix of traditional and innovative insurance solutions to meet the diverse needs of its customers, thereby sustaining its earnings.

Assicurazioni Generali S.p.A. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
81.84B	55.17B	57.20B	72.64B	92.79B	77.72B
	Gross Profit
72.05B	55.17B	48.48B	72.64B	92.79B	77.72B
	EBIT
7.89B	53.80B	6.31B	4.46B	4.16B	3.08B
	EBITDA
5.72B	0.00	-1.19B	4.82B	5.59B	4.76B
	Net Income Common Stockholders
4.28B	3.72B	3.75B	2.91B	2.85B	1.74B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
6.07B	8.31B	7.07B	287.67B	357.05B	344.90B
	Total Assets
501.43B	538.65B	507.23B	519.05B	586.23B	544.71B
	Total Debt
21.82B	37.54B	15.20B	16.48B	16.57B	13.42B
	Net Debt
15.75B	29.23B	8.13B	9.24B	8.10B	5.52B
	Total Liabilities
473.17B	505.55B	475.94B	500.91B	554.35B	512.92B
	Stockholders Equity
27.06B	30.39B	28.97B	16.20B	29.31B	30.03B
Cash Flow		Free Cash Flow
9.89B	0.00	1.55B	9.90B	29.39B	19.01B
	Operating Cash Flow
10.20B	0.00	1.73B	10.54B	17.48B	19.34B
	Investing Cash Flow
-8.63B	0.00	2.27B	-9.54B	-16.30B	-15.98B
	Financing Cash Flow
-3.28B	0.00	-3.80B	-2.22B	-677.00M	-2.27B

Assicurazioni Generali S.p.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.49
• 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 32.49 is below the 20-day moving average (MA) of 32.83, above the 50-day MA of 31.42, and above the 200-day MA of 27.98, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 52.99 is Neutral, neither overbought nor oversold. The STOCH value of 45.18 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
UNI	74 Outperform	€12.61B	11.73	12.42%	4.83%	6.46%	-2.42%
MB	72 Outperform	€16.29B	12.46	11.91%	5.62%	17.52%	24.02%
Sector *	64 Neutral	$12.85B	9.81	7.59%	16985.65%	12.30%	-7.71%
G	64 Neutral	€50.15B	13.42	12.66%	4.40%	12.38%	-0.28%