Assicurazioni Generali S.p.A. (IT:G)
:G
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Assicurazioni Generali S.p.A.
(G)
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Rating:65Neutral
Price Target:
€45.00
▲(19.97% Upside)
Action:Reiterated
Date:06/16/26
The score is driven mainly by steady fundamentals (solid profitability and strong recent cash generation, but tempered by leverage and volatility). Technicals are a clear positive due to a strong uptrend, though momentum is extended (RSI/Stoch), and valuation is middle-of-the-road with a supportive dividend but a moderate-to-high P/E.
Positive Factors
Strong cash generation
Generali generates large absolute operating and free cash flows over recent years, providing durable funding for dividends, buybacks and reinvestment. Persistent high cash generation strengthens capital flexibility and underwriting capacity across multi-year cycles, supporting strategic initiatives.
Negative Factors
Meaningful leverage
A higher, persistent debt-to-equity ratio constrains balance-sheet flexibility and increases sensitivity to rising funding costs or underwriting shocks. Elevated leverage limits room for risk-taking, requires stronger capital generation to meet regulatory buffers, and can pressure ratings over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Generali generates large absolute operating and free cash flows over recent years, providing durable funding for dividends, buybacks and reinvestment. Persistent high cash generation strengthens capital flexibility and underwriting capacity across multi-year cycles, supporting strategic initiatives.
Read all positive factors
Assicurazioni Generali S.p.A. (G) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€64.89B
Dividend Yield3.99%
Average Volume (3M)2.26M
Price to Earnings (P/E)15.6
Beta (1Y)0.94
Revenue Growth-13.42%
EPS Growth14.69%
CountryIT
Employees86,851
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)2.72
Shares Outstanding1,534,618,500
10 Day Avg. Volume2,229,690
30 Day Avg. Volume2,255,554
Financial Highlights & Ratios
PEG Ratio0.92
Price to Book (P/B)1.69
Price to Sales (P/S)0.73
P/FCF Ratio2.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€41.61Price Target Upside10.94% Upside
Rating ConsensusHold
Number of Analyst Covering9
EPS Forecast (FY)3.15
Revenue Forecast (FY)€103.87B
Assicurazioni Generali S.p.A. Business Overview & Revenue Model
Company Description
Assicurazioni Generali S.p.A. provides a wide range of insurance and financial solutions. It organizes its activities across four principal segments: Non-Life, Life, Asset Management, and Holding and Other Business. For individuals and families, i...
How the Company Makes Money
Generali makes money mainly through (1) insurance underwriting and (2) asset and investment management, complemented by fees from distribution and other financial services.
1) Insurance underwriting (life and non-life)
- Premiums: Generali collec...
Assicurazioni Generali S.p.A. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
61
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 74.13B | 55.30B | 72.85B | 48.03B | 95.67B |
| Gross Profit | 69.09B | 55.30B | 48.48B | 25.91B | 95.67B |
| EBITDA | 7.18B | 6.97B | 6.51B | 4.82B | 5.59B |
| Net Income | 4.17B | 3.72B | 3.75B | 2.23B | 2.85B |
Balance Sheet | |||||
| Total Assets | 558.53B | 538.65B | 507.23B | 503.24B | 586.23B |
| Cash, Cash Equivalents and Short-Term Investments | 7.31B | 8.31B | 230.43B | 287.67B | 357.05B |
| Total Debt | 39.57B | 37.54B | 36.28B | 36.93B | 16.57B |
| Total Liabilities | 523.74B | 505.55B | 475.94B | 474.26B | 554.35B |
| Stockholders Equity | 32.06B | 30.39B | 28.97B | 26.65B | 29.31B |
Cash Flow | |||||
| Free Cash Flow | 19.46B | 15.01B | 1.55B | 9.42B | 29.39B |
| Operating Cash Flow | 19.90B | 15.38B | 1.73B | 10.34B | 17.48B |
| Investing Cash Flow | -19.00B | -13.82B | 2.27B | -9.02B | -16.30B |
| Financing Cash Flow | -1.83B | -342.00M | -3.80B | -2.42B | -677.00M |
Assicurazioni Generali S.p.A. Technical Analysis
Positive
37.51
Price Trends
38.34
Positive
35.83
Positive
34.05
Positive
Market Momentum
1.35
Negative
71.66
Negative
63.04
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 37.51 is below the 20-day moving average (MA) of 40.52, below the 50-day MA of 38.34, and above the 200-day MA of 34.05, indicating a bullish trend. The MACD of 1.35 indicates Negative momentum. The RSI at 71.66 is Negative, neither overbought nor oversold. The STOCH value of 63.04 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | €17.70B | 11.74 | 13.26% | 4.15% | 4.66% | 37.82% | |
74 Outperform | €5.34B | 9.69 | 28.43% | 4.91% | 10.06% | -6.98% | |
74 Outperform | €28.81B | 13.10 | 13.48% | 6.09% | 10.56% | 10.67% | |
73 Outperform | €7.47B | 16.05 | 31.07% | 4.75% | 4.69% | 10.11% | |
71 Outperform | €23.64B | 8.18 | 18.92% | 8.25% | -10.25% | 8.52% | |
65 Neutral | €64.89B | 15.64 | 13.09% | 3.99% | -13.42% | 14.69% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:G
Assicurazioni Generali S.p.A.
42.53
13.80
48.05%
IT:AZM
Azimut Holding SPA
36.64
11.19
43.98%
IT:BGN
Banca Generali SpA
65.00
20.02
44.50%
IT:BAMI
Banco BPM S.p.A.
15.31
6.16
67.41%
IT:BPE
BPER Banca S.p.A.
13.62
6.49
91.05%
IT:UNI
Unipol Gruppo Finanziario SpA
24.06
8.29
52.62%
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.