G Stock Analysis: Assicurazioni Generali | MI
Insurance - Diversified | MI, Italy | Market Cap: 68.317m EUR | 12M Return: 40.1% | IT0000062072 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 112M
EPS Trend: 75.7%
Qual. Beats: 0
Rev. Trend: 79.7%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 4.56b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.58 > 1.0 |
| NWC/Revenue: -651.6% < 20% (prev 685.2%; Δ -1.34k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 19.9b > Net Income 4.56b |
| Net Debt (34.4b) to EBITDA (6.94b): 4.96 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.50b) vs 12m ago -2.81% < -2% |
| Gross Margin: 86.91% > 18% (prev 116.2%; Δ -29.32% > 0.5%) |
| Asset Turnover: 12.45% > 50% (prev 6.51%; Δ 5.94% > 0%) |
| Interest Coverage Ratio: 8.62 > 6 (EBIT TTM 6.94b / Interest Expense TTM 805.0m) |
| A: -0.78 (Total Current Assets 11.9b - Total Current Liabilities 468b) / Total Assets 581b |
| B: 0.05 (Retained Earnings 27.1b / Total Assets 581b) |
| C: 0.01 (EBIT TTM 6.94b / Avg Total Assets 562b) |
| D: 0.06 (Book Value of Equity 32.1b / Total Liabilities 546b) |
| Altman-Z'' = -4.85 = D |
| DSRI: 0.33 (Receivables 4.88b/7.56b, Revenue 69.9b/35.3b) |
| GMI: 1.34 (GM 116.2% / 86.91%) |
| AQI: 1.87 (AQ_t 0.97 / AQ_t-1 0.52) |
| SGI: 1.98 (Revenue 69.9b / 35.3b) |
| TATA: -0.03 (NI 4.56b - CFO 19.9b) / TA 581b) |
| Beneish M = -2.06 (Cap -4..+1) = BB |
As of September 27, 2026, the stock is trading at EUR 43.72 with a total of 2,067,595 shares traded. Over the past week, the price has changed by -3.45%, over one month by +0.14%, over three months by +1.98% and over the past year by +40.06%.
Current recommended Stop Loss: 42.20 (which is 3.5% or 1.8 ATR below the current price).
Assicurazioni Generali has no consensus analysts rating.
P/E Trailing = 15.3492
P/E Forward = 16.2338
P/S = 1.1517
P/B = 2.1282
P/EG = 10.1434
Revenue TTM = 69.9b EUR
EBIT TTM = 6.94b EUR
EBITDA TTM = 6.94b EUR
Long Term Debt = 41.5b EUR (from longTermDebt, last quarter)
Short Term Debt = 2.86b EUR (from shortTermDebt, last fiscal year)
Debt = 41.5b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 34.4b EUR (calculated: Debt 41.5b - CCE 7.04b)
Enterprise Value = 103b EUR (68.3b + Debt 41.5b - CCE 7.04b)
Interest Coverage Ratio = 8.62 (Ebit TTM 6.94b / Interest Expense TTM 805.0m)
EV/FCF = 5.28x (Enterprise Value 103b / FCF TTM 19.5b)
FCF Yield = 18.94% (FCF TTM 19.5b / Enterprise Value 103b)
FCF Margin = 27.83% (FCF TTM 19.5b / Revenue TTM 69.9b)
Net Margin = 6.52% (Net Income TTM 4.56b / Revenue TTM 69.9b)
Gross Margin = 86.91% ((Revenue TTM 69.9b - Cost of Revenue TTM 9.16b) / Revenue TTM)
Gross Margin QoQ = 29.93% (prev none%)
Tobins Q-Ratio = 0.18 (Enterprise Value 103b / Total Assets 581b)
Interest Expense / Debt = 1.94% (Interest Expense 805.0m / Debt 41.5b)
Taxrate = 26.75% (1.86b / 6.94b)
NOPAT = 5.08b (EBIT 6.94b * (1 - 26.75%))
Current Ratio = 0.03 (Total Current Assets 11.9b / Total Current Liabilities 468b)
Debt / Equity = 1.29 (Debt 41.5b / totalStockholderEquity, last quarter 32.1b)
Debt / EBITDA = 4.96 (Net Debt 34.4b / EBITDA 6.94b)
Debt / FCF = 1.77 (Net Debt 34.4b / FCF TTM 19.5b)
Total Stockholder Equity = 31.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.81% (Net Income 4.56b / Total Assets 581b)
RoE = 14.67% (Net Income TTM 4.56b / Total Stockholder Equity 31.1b)
RoCE = 9.56% (EBIT 6.94b / Capital Employed (Equity 31.1b + L.T.Debt 41.5b))
RoIC = 4.50% (NOPAT 5.08b / Invested Capital 113b)
WACC = 4.64% (E(68.3b)/V(110b) * Re(6.60%) + D(41.5b)/V(110b) * Rd(1.94%) * (1-Tc(0.27)))
Discount Rate = 6.60% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -54.62 | Cagr: -1.37%
[DCF] Terminal Value 77.97% ; FCFF base≈17.7b ; Y1≈20.3b ; Y5≈29.8b
[DCF] Fair Price = 274.7 (EV 449b - Net Debt 34.4b = Equity 414b / Shares 1.51b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 75.69 | EPS CAGR: 10.24% | SUE: -0.10 | # QB: 0
Revenue Correlation: 79.70 | Revenue CAGR: 15.69% | SUE: 1.22 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.81 | Chg30d=+1.31% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=3.22 | Chg30d=-1.74% | Revisions=+29% | GrowthEPS=+13.0% | GrowthRev=+5.4%
EPS next Year (2027-12-31): EPS=3.40 | Chg30d=-1.85% | Revisions=+38% | GrowthEPS=+5.6% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +46% (up=8, down=2)