(BGN) Banca Generali S.p.A. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: MI (Italy) | Market Cap: 6.254m EUR | Total Return: 10.2% in 12m
Avg Turnover: 9.69M
EPS Trend: 89.7%
Rev. Trend: 94.7%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Banca Generali S.p.A. (BGN) is a Milan-based financial institution specializing in wealth management and private banking for high-net-worth and affluent clients in Italy. Operating through its Private Banking and Senior Partner segments, the firm utilizes a network of financial advisors to distribute a broad range of investment, insurance, and banking products. Beyond traditional asset management, the company provides specialized wealth advisory services covering real estate, art, corporate finance, and generational succession planning.
The company functions as a subsidiary of Assicurazioni Generali S.p.A., benefiting from the brand equity and distribution synergies of one of Europe’s largest insurers. In the Italian financial landscape, this business model relies heavily on the open architecture approach, which allows advisors to select third-party investment products alongside proprietary solutions to minimize conflicts of interest. Investors looking for deeper insights into the companys valuation metrics might find further perspective on ValueRay.
- Net inflows of new assets drive management fee growth and recurring revenue
- ECB interest rate trajectory impacts net interest margin on current account deposits
- Synergies with parent Assicurazioni Generali influence distribution costs and cross-selling efficiency
- Italian household savings rate and equity market volatility dictate performance fee generation
- Regulatory changes in fee transparency and inducements threaten private banking profit margins
| Net Income: 686.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -5.25 > 1.0 |
| NWC/Revenue: error (cannot be calculated; needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA -0.01 > 3% & CFO -211.0m > Net Income 686.7m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (113.9m) vs 12m ago -0.03% < -2% |
| Gross Margin: 74.52% > 18% (prev 0.69%; Δ 7.38k% > 0.5%) |
| Asset Turnover: 13.44% > 50% (prev 10.83%; Δ 2.61% > 0%) |
| Interest Coverage Ratio: 9.54 > 6 (EBITDA TTM 899.7m / Interest Expense TTM 89.2m) |
As of May 24, 2026, the stock is trading at EUR 55.20 with a total of 115,255 shares traded.
Over the past week, the price has changed by +1.94%,
over one month by +2.48%,
over three months by +5.21% and
over the past year by +10.17%.
Banca Generali S.p.A. has no consensus analysts rating.
P/E Trailing = 13.5556
P/E Forward = 15.2207
P/S = 6.0643
P/B = 3.8064
P/EG = 15.2227
Revenue TTM = 2.28b EUR
EBIT TTM = 851.0m EUR
EBITDA TTM = 899.7m EUR
Long Term Debt = 234.7m EUR (from longTermDebt, last fiscal year)
Short Term Debt = 15.5b EUR (from shortTermDebt, last fiscal year)
Debt = unknown
Net Debt = unknown
Enterprise Value = 5.84b EUR (6.25b + (null Debt) - CCE 410.5m)
Interest Coverage Ratio = 9.54 (Ebit TTM 851.0m / Interest Expense TTM 89.2m)
EV/FCF = -24.58x (Enterprise Value 5.84b / FCF TTM -237.8m)
FCF Yield = -4.07% (FCF TTM -237.8m / Enterprise Value 5.84b)
FCF Margin = -10.41% (FCF TTM -237.8m / Revenue TTM 2.28b)
Net Margin = 30.08% (Net Income TTM 686.7m / Revenue TTM 2.28b)
Gross Margin = 74.52% ((Revenue TTM 2.28b - Cost of Revenue TTM 581.6m) / Revenue TTM)
Gross Margin QoQ = none% (prev 64.83%)
Tobins Q-Ratio = 0.34 (Enterprise Value 5.84b / Total Assets 17.0b)
Interest Expense / Debt = unknown (Interest Expense 89.2m / Debt none)
Taxrate = 26.17% (44.8m / 171.2m)
NOPAT = 628.3m (EBIT 851.0m * (1 - 26.17%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 899.7m)
Debt / FCF = unknown (Net Debt none / FCF TTM -237.8m)
Total Stockholder Equity = 1.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.04% (Net Income 686.7m / Total Assets 17.0b)
RoE = 45.35% (Net Income TTM 686.7m / Total Stockholder Equity 1.51b)
RoCE = 48.66% (EBIT 851.0m / Capital Employed (Equity 1.51b + L.T.Debt 234.7m))
RoIC = unknown (NOPAT 628.3m, Invested Capital 0.0, EBIT 851.0m)
WACC = 7.65% (E(6.25b)/V(6.25b) * Re(7.65%) + (debt-free company))
Discount Rate = 7.65% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.83 | Cagr: -0.42%
[DCF] Fair Price = unknown (Cash Flow -237.8m)
EPS Correlation: 89.75 | EPS CAGR: 12.35% | SUE: N/A | # QB: 0
Revenue Correlation: 94.71 | Revenue CAGR: 64.23% | SUE: 0.10 | # QB: 0
EPS current Year (2026-12-31): EPS=3.54 | Chg30d=+1.07% | Revisions=+0% | GrowthEPS=+11.3% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=3.72 | Chg30d=+0.36% | Revisions=+25% | GrowthEPS=+5.2% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +25%