G Stock Analysis: Assicurazioni Generali | MI
Insurance - Diversified | MI, Italy | Market Cap: 62.891m EUR | 12M Return: 40.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 94.7M
EPS Trend: 75.8%
Qual. Beats: 0
Rev. Trend: -92.9%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Assicurazioni Generali S.p.A. is an Italian-headquartered global insurance group operating under the Generali brand across the Americas, Europe, Africa, the Middle East, Asia, and Oceania. It runs three core business segments: Life, Property & Casualty, and Asset & Wealth Management. Its Life operations include savings, individual and family protection, and unit-linked products. The Property & Casualty segment covers motor third-party liability, home, property and casualty, accident, health, and commercial and industrial risks. The Asset & Wealth Management arm offers equity, fixed-income funds, and alternative products, alongside insurance plans for multinational corporate clients. The company was founded in 1831 in Trieste, Italy, and has used the Assicurazioni Generali S.p.A. name since 1848.
Generali is classified as a multi-line insurer within the Financials sector, combining both life and non-life underwriting with proprietary investment management, a model that allows insurers to cross-sell products across markets and earn fee income from managing policyholder and third-party assets.
- Life segment new business growth driven by higher interest rates
- P&C combined ratio improves on motor pricing and disciplined underwriting
- Capital returns accelerate through dividends and share buybacks
| Net Income: 2.64b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.66 > 1.0 |
| NWC/Revenue: 525.4% < 20% (prev 620.6%; Δ -95.13% < -1%) |
| CFO/TA 0.04 > 3% & CFO 19.7b > Net Income 2.64b |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 24.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.50b) vs 12m ago -2.78% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 8.42% > 50% (prev 7.18%; Δ 1.24% > 0%) |
| Interest Coverage Ratio: 5.86 > 6 (EBIT TTM 4.81b / Interest Expense TTM 821.0m) |
| A: 0.43 (Total Current Assets 253b - Total Current Liabilities 10.2b) / Total Assets 559b |
| B: 0.06 (Retained Earnings 33.3b / Total Assets 559b) |
| C: 0.01 (EBIT TTM 4.81b / Avg Total Assets 549b) |
| D: 0.06 (Book Value of Equity 32.1b / Total Liabilities 526b) |
| Altman-Z'' = 3.17 = A |
| DSRI: 0.93 (Receivables 4.43b/4.01b, Revenue 46.2b/38.7b) |
| GMI: 1.0 (GM 100.0% / 100.0%) |
| AQI: 1.02 (AQ_t 0.54 / AQ_t-1 0.53) |
| SGI: 1.19 (Revenue 46.2b / 38.7b) |
| TATA: -0.03 (NI 2.64b - CFO 19.7b) / TA 559b) |
| Beneish M = -2.94 (Cap -4..+1) = A |
As of July 11, 2026, the stock is trading at EUR 42.20 with a total of 1,552,686 shares traded. Over the past week, the price has changed by -0.87%, over one month by +3.56%, over three months by +21.64% and over the past year by +40.94%.
Current recommended Stop Loss: 41.20 (which is 2.4% or 1.5 ATR below the current price).
Assicurazioni Generali has no consensus analysts rating.
P/E Trailing = 15.6283
P/E Forward = 16.0514
P/S = 1.088
P/B = 2.0011
P/EG = 10.0398
Revenue TTM = 46.2b EUR
EBIT TTM = 4.81b EUR
EBITDA TTM = 4.81b EUR
Long Term Debt = 39.6b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 62.4b EUR (62.9b + (null Debt) - CCE 531.0m)
Interest Coverage Ratio = 5.86 (Ebit TTM 4.81b / Interest Expense TTM 821.0m)
EV/FCF = 3.24x (Enterprise Value 62.4b / FCF TTM 19.2b)
FCF Yield = 30.83% (FCF TTM 19.2b / Enterprise Value 62.4b)
FCF Margin = 41.62% (FCF TTM 19.2b / Revenue TTM 46.2b)
Net Margin = 5.72% (Net Income TTM 2.64b / Revenue TTM 46.2b)
Gross Margin = unknown ((Revenue TTM 46.2b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.11 (Enterprise Value 62.4b / Total Assets 559b)
Interest Expense / Debt = unknown (Interest Expense 821.0m / Debt none)
Taxrate = 35.53% (1.72b / 4.83b)
NOPAT = 3.10b (EBIT 4.81b * (1 - 35.53%))
Current Ratio = 24.77 (Total Current Assets 253b / Total Current Liabilities 10.2b)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 4.81b)
Debt / FCF = unknown (Net Debt none / FCF TTM 19.2b)
Total Stockholder Equity = 30.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 2.64b / Total Assets 559b)
RoE = 8.71% (Net Income TTM 2.64b / Total Stockholder Equity 30.3b)
RoCE = 6.88% (EBIT 4.81b / Capital Employed (Equity 30.3b + L.T.Debt 39.6b))
RoIC = 0.88% (EBIT 4.81b / (Assets 559b - Curr.Liab 10.2b - Cash 531.0m))
WACC = 7.32% (E(62.9b)/V(62.9b) * Re(7.32%) + (debt-free company))
Discount Rate = 7.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -53.94 | Cagr: -0.86%
[DCF] Terminal Value 77.97% ; FCFF base≈17.5b ; Y1≈20.1b ; Y5≈29.6b
[DCF] Fair Price = 297.6 (EV 445b - Net Debt 0.0 = Equity 445b / Shares 1.50b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 75.78 | EPS CAGR: 10.04% | SUE: 0.32 | # QB: 0
Revenue Correlation: -92.94 | Revenue CAGR: -13.94% | SUE: -2.09 | # QB: -1
EPS current Quarter (2026-06-30): EPS=0.84 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=3.17 | Chg30d=+0.39% | Revisions=+58% | GrowthEPS=+11.2% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=3.40 | Chg30d=-0.80% | Revisions=+55% | GrowthEPS=+7.1% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +65% (up=15, down=2)