(G) Assicurazioni Generali - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: MI (Italy) | Market Cap: 58.253m EUR | Total Return: -26.3% in 12m
Avg Turnover: 94.9M
EPS Trend: 75.8%
Qual. Beats: 0
Rev. Trend: -92.9%
Qual. Beats: -1
Warnings
Choppy
Tailwinds
Confidence
Assicurazioni Generali S.p.A. is a global multi-line insurer headquartered in Italy, operating across the Life, Property & Casualty (P&C), and Asset & Wealth Management segments. Established in 1831, the company manages a diverse portfolio including individual protection, motor liability, and commercial risk insurance, alongside specialized investment products for retail and institutional clients.
The company utilizes a multi-channel distribution strategy to reach markets across Europe, Asia, and the Americas. Within the multi-line insurance sector, firms typically mitigate volatility by balancing long-term Life insurance liabilities with shorter-tail P&C underwriting cycles.
Investors can further examine the companys solvency ratios and dividend history on ValueRay.
- European interest rate fluctuations impact investment yields and life insurance solvency margins
- Asset management expansion drives fee income growth and reduces capital intensity
- Property and casualty underwriting margins depend on natural catastrophe loss frequency
- Italian sovereign debt exposure creates volatility in regulatory capital ratios
- Strategic acquisitions in emerging markets diversify revenue away from mature European regions
| Net Income: 5.34b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.57 > 1.0 |
| NWC/Revenue: 285.9% < 20% (prev 5.30%; Δ 280.6% < -1%) |
| CFO/TA 0.04 > 3% & CFO 19.7b > Net Income 5.34b |
| 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: 15.72% > 50% (prev 19.75%; Δ -4.03% > 0%) |
| Interest Coverage Ratio: 5.62 > 6 (EBITDA TTM 11.1b / Interest Expense TTM 1.97b) |
| 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: 0.02 (EBIT TTM 11.1b / Avg Total Assets 540b) |
| D: 0.07 (Book Value of Equity 34.9b / Total Liabilities 526b) |
| Altman-Z'' = 3.25 = A |
| DSRI: 1.34 (Receivables 4.43b/4.01b, Revenue 84.9b/103b) |
| GMI: 0.97 (GM 100.0% / 97.15%) |
| AQI: 0.55 (AQ_t 0.54 / AQ_t-1 0.98) |
| SGI: 0.82 (Revenue 84.9b / 103b) |
| TATA: -0.03 (NI 5.34b - CFO 19.7b) / TA 559b) |
| Beneish M = -3.19 (Cap -4..+1) = AA |
As of May 26, 2026, the stock is trading at EUR 39.12 with a total of 1,916,424 shares traded.
Over the past week, the price has changed by +9.85%,
over one month by -5.68%,
over three months by -15.19% and
over the past year by -26.27%.
Assicurazioni Generali has no consensus analysts rating.
P/E Trailing = 14.4758
P/E Forward = 14.0845
P/S = 1.0078
P/B = 1.8
P/EG = 2.271
Revenue TTM = 84.9b EUR
EBIT TTM = 11.1b EUR
EBITDA TTM = 11.1b EUR
Long Term Debt = 39.6b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 57.7b EUR (58.3b + (null Debt) - CCE 531.0m)
Interest Coverage Ratio = 5.62 (Ebit TTM 11.1b / Interest Expense TTM 1.97b)
EV/FCF = 3.00x (Enterprise Value 57.7b / FCF TTM 19.2b)
FCF Yield = 33.31% (FCF TTM 19.2b / Enterprise Value 57.7b)
FCF Margin = 22.65% (FCF TTM 19.2b / Revenue TTM 84.9b)
Net Margin = 6.29% (Net Income TTM 5.34b / Revenue TTM 84.9b)
Gross Margin = unknown ((Revenue TTM 84.9b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.10 (Enterprise Value 57.7b / Total Assets 559b)
Interest Expense / Debt = unknown (Interest Expense 1.97b / Debt none)
Taxrate = 47.48% (651.0m / 1.37b)
NOPAT = 5.82b (EBIT 11.1b * (1 - 47.48%))
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 11.1b)
Debt / FCF = unknown (Net Debt none / FCF TTM 19.2b)
Total Stockholder Equity = 30.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 5.34b / Total Assets 559b)
RoE = 17.60% (Net Income TTM 5.34b / Total Stockholder Equity 30.3b)
RoCE = 15.85% (EBIT 11.1b / Capital Employed (Equity 30.3b + L.T.Debt 39.6b))
RoIC = 2.02% (EBIT 11.1b / (Assets 559b - Curr.Liab 10.2b - Cash 531.0m))
WACC = 7.52% (E(58.3b)/V(58.3b) * Re(7.52%) + (debt-free company))
Discount Rate = 7.52% (= 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=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=3.15 | Chg30d=+3.09% | Revisions=+20% | GrowthEPS=+10.6% | GrowthRev=+5.3%
EPS next Year (2027-12-31): EPS=3.41 | Chg30d=+2.29% | Revisions=+45% | GrowthEPS=+8.2% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +45%