BGN Stock Analysis: Banca Generali S.p.A. | MI
Banks - Regional | MI, Italy | Market Cap: 7.461m EUR | 12M Return: 44.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.92M
EPS Trend: 89.7%
Rev. Trend: 94.7%
Qual. Beats: 0
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.
Banca Generali S.p.A. is an Italian wealth management bank that distributes financial products and services to high net worth, affluent, and private clients through a network of financial advisors. Its operations are organized into two main segments: Private Banking (PB CGU) and Senior Partner (SP CGU). The companys offerings span current and deposit accounts, custody and administration of financial instruments, advisory on primary and secondary market transactions, asset management (including mutual funds and portfolio management), and the distribution of insurance and insurance investment products.
In addition to core financial services, Banca Generali provides specialized wealth advisory services covering corporate advisory, real estate advisory, art and collectibles advisory, and family protection and succession planning. Founded in 1997 and headquartered in Milan, the bank operates as a subsidiary of Assicurazioni Generali S.p.A., Italys largest insurance group. Within the asset management and custody banking space, the company is notable for its advisor-led distribution model, which differentiates it from digital-first wealth platforms and positions it within Italys established private banking tradition.
- Record net inflows boost AUM and recurring fees
- ECB rate cycle impacts net interest margin
- Financial advisor network expansion fuels asset gathering
| Net Income: 686.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -5.10 > 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 70.14%; Δ 4.38% > 0.5%) |
| Asset Turnover: 12.69% > 50% (prev 10.83%; Δ 1.86% > 0%) |
| Interest Coverage Ratio: 6.88 > 6 (EBIT TTM 851.0m / Interest Expense TTM 123.6m) |
As of July 28, 2026, the stock is trading at EUR 65.15 with a total of 124,812 shares traded. Over the past week, the price has changed by +1.64%, over one month by +1.64%, over three months by +20.53% and over the past year by +44.83%.
Current recommended Stop Loss: 62.50 (which is 4.1% or 2.2 ATR below the current price).
Banca Generali S.p.A. has no consensus analysts rating.
P/E Trailing = 16.1728
P/E Forward = 15.2207
P/S = 7.2352
P/B = 4.3366
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 = 7.05b EUR (7.46b + (null Debt) - CCE 410.5m)
Interest Coverage Ratio = 6.88 (Ebit TTM 851.0m / Interest Expense TTM 123.6m)
EV/FCF = -29.66x (Enterprise Value 7.05b / FCF TTM -237.8m)
FCF Yield = -3.37% (FCF TTM -237.8m / Enterprise Value 7.05b)
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 = 0.37 (Enterprise Value 7.05b / Total Assets 19.0b)
Interest Expense / Debt = unknown (Interest Expense 123.6m / Debt none)
Taxrate = 19.18% (163.2m / 851.0m)
NOPAT = 687.7m (EBIT 851.0m * (1 - 19.18%))
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 = 3.82% (Net Income 686.7m / Total Assets 19.0b)
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 687.7m, Invested Capital 0.0, EBIT 851.0m)
WACC = 7.80% (E(7.46b)/V(7.46b) * Re(7.80%) + (debt-free company))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.23 | 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 Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=3.66 | Chg30d=+3.41% | Revisions=+25% | GrowthEPS=+15.0% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=3.81 | Chg30d=+2.58% | Revisions=+25% | GrowthEPS=+4.1% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: +40% (up=2, down=0)