Assicurazioni Generali S.p.A. Logo

Assicurazioni Generali S.p.A.

ARZGF

(2.0)
Stock Price

27,07 USD

0.84% ROA

15.04% ROE

8.91x PER

Market Cap.

38.104.325.451,81 USD

59.99% DER

5.64% Yield

4.63% NPM

Assicurazioni Generali S.p.A. Stock Analysis

Assicurazioni Generali S.p.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Assicurazioni Generali S.p.A. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

2 ROE

The stock's ROE falls within an average range (12.8%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.57%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.88x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (520), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (102%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Assicurazioni Generali S.p.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Assicurazioni Generali S.p.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Sell
4 Stoch RSI Buy

Assicurazioni Generali S.p.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Assicurazioni Generali S.p.A. Revenue
Year Revenue Growth
2003 21.575.845.000
2004 71.088.000.000 69.65%
2005 81.719.200.000 13.01%
2006 81.262.800.000 -0.56%
2007 83.266.700.000 2.41%
2008 70.554.600.000 -18.02%
2009 90.659.700.000 22.18%
2010 86.744.500.000 -4.51%
2011 70.425.000.000 -23.17%
2012 76.299.000.000 7.7%
2013 78.338.000.000 2.6%
2014 82.300.000.000 4.81%
2015 86.590.000.000 4.95%
2016 81.274.000.000 -6.54%
2017 77.075.000.000 -5.45%
2018 78.073.000.000 1.28%
2019 0 0%
2019 88.400.000.000 100%
2020 77.719.000.000 -13.74%
2021 92.790.000.000 16.24%
2022 72.637.000.000 -27.74%
2023 57.204.000.000 -26.98%
2024 162.676.000.000 64.84%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Assicurazioni Generali S.p.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Assicurazioni Generali S.p.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 2.029.885.000
2004 9.578.100.000 78.81%
2005 3.061.500.000 -212.86%
2006 2.923.800.000 -4.71%
2007 3.105.600.000 5.85%
2008 3.508.900.000 11.49%
2009 3.338.600.000 -5.1%
2010 3.468.400.000 3.74%
2011 3.331.000.000 -4.12%
2012 3.070.000.000 -8.5%
2013 2.480.000.000 -23.79%
2014 2.502.000.000 0.88%
2015 2.581.000.000 3.06%
2016 2.546.000.000 -1.37%
2017 2.420.000.000 -5.21%
2018 2.438.000.000 0.74%
2019 0 0%
2019 2.735.000.000 100%
2020 2.742.000.000 0.26%
2021 2.806.000.000 2.28%
2022 3.347.000.000 16.16%
2023 966.000.000 -246.48%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Assicurazioni Generali S.p.A. EBITDA
Year EBITDA Growth
2003 728.949.000
2004 1.113.400.000 34.53%
2005 -90.500.000 1330.28%
2006 2.404.000.000 103.76%
2007 4.599.500.000 47.73%
2008 -3.863.200.000 219.06%
2009 -2.341.400.000 -65%
2010 -51.900.000 -4411.37%
2011 1.508.000.000 103.44%
2012 -128.000.000 1278.13%
2013 -1.943.000.000 93.41%
2014 -557.000.000 -248.83%
2015 -270.000.000 -106.3%
2016 -969.000.000 72.14%
2017 -2.291.000.000 57.7%
2018 -1.310.000.000 -74.89%
2019 0 0%
2019 4.503.000.000 100%
2020 3.920.000.000 -14.87%
2021 4.932.000.000 20.52%
2022 5.474.000.000 9.9%
2023 -1.483.000.000 469.12%
2024 -328.000.000 -352.13%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Assicurazioni Generali S.p.A. Gross Profit
Year Gross Profit Growth
2003 21.575.845.000
2004 71.088.000.000 69.65%
2005 81.719.200.000 13.01%
2006 81.262.800.000 -0.56%
2007 83.266.700.000 2.41%
2008 70.554.600.000 -18.02%
2009 90.659.700.000 22.18%
2010 86.744.500.000 -4.51%
2011 70.425.000.000 -23.17%
2012 76.299.000.000 7.7%
2013 78.338.000.000 2.6%
2014 82.300.000.000 4.81%
2015 86.590.000.000 4.95%
2016 81.274.000.000 -6.54%
2017 77.075.000.000 -5.45%
2018 78.073.000.000 1.28%
2019 0 0%
2019 88.400.000.000 100%
2020 77.719.000.000 -13.74%
2021 92.790.000.000 16.24%
2022 72.637.000.000 -27.74%
2023 48.482.000.000 -49.82%
2024 128.588.000.000 62.3%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Assicurazioni Generali S.p.A. Net Profit
Year Net Profit Growth
2003 1.015.103.000
2004 1.665.800.000 39.06%
2005 2.410.300.000 30.89%
2006 2.862.300.000 15.79%
2007 3.374.600.000 15.18%
2008 1.064.000.000 -217.16%
2009 1.766.400.000 39.76%
2010 2.018.300.000 12.48%
2011 856.000.000 -135.78%
2012 94.000.000 -810.64%
2013 1.915.000.000 95.09%
2014 1.670.000.000 -14.67%
2015 2.030.000.000 17.73%
2016 2.081.000.000 2.45%
2017 2.110.000.000 1.37%
2018 2.309.000.000 8.62%
2019 0 0%
2019 2.670.000.000 100%
2020 1.744.000.000 -53.1%
2021 2.847.000.000 38.74%
2022 2.912.000.000 2.23%
2023 3.663.000.000 20.5%
2024 8.208.000.000 55.37%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Assicurazioni Generali S.p.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 1 100%
2005 1 0%
2006 2 0%
2007 2 50%
2008 1 0%
2009 1 0%
2010 1 100%
2011 1 0%
2012 0 0%
2013 1 100%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2019 2 100%
2020 1 0%
2021 2 0%
2022 2 0%
2023 2 50%
2024 5 60%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Assicurazioni Generali S.p.A. Free Cashflow
Year Free Cashflow Growth
2004 13.856.500.000
2005 27.576.700.000 49.75%
2006 20.041.700.000 -37.6%
2007 14.778.300.000 -35.62%
2008 13.901.400.000 -6.31%
2009 22.089.300.000 37.07%
2010 19.072.900.000 -15.82%
2011 12.399.000.000 -53.83%
2012 9.777.000.000 -26.82%
2013 12.902.000.000 24.22%
2014 19.750.000.000 34.67%
2015 17.965.000.000 -9.94%
2016 19.430.000.000 7.54%
2017 16.317.000.000 -19.08%
2018 14.636.000.000 -11.49%
2019 19.764.000.000 25.95%
2020 19.008.000.000 -3.98%
2021 29.394.000.000 35.33%
2022 9.899.000.000 -196.94%
2023 1.555.000.000 -536.59%
2024 6.715.000.000 76.84%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Assicurazioni Generali S.p.A. Operating Cashflow
Year Operating Cashflow Growth
2004 14.593.200.000
2005 27.956.400.000 47.8%
2006 24.899.700.000 -12.28%
2007 15.271.600.000 -63.05%
2008 19.072.900.000 19.93%
2009 23.402.400.000 18.5%
2010 19.072.900.000 -22.7%
2011 12.857.000.000 -48.35%
2012 10.042.000.000 -28.03%
2013 13.227.000.000 24.08%
2014 19.750.000.000 33.03%
2015 18.116.000.000 -9.02%
2016 19.987.000.000 9.36%
2017 16.317.000.000 -22.49%
2018 14.991.000.000 -8.85%
2019 20.339.000.000 26.29%
2020 19.343.000.000 -5.15%
2021 17.480.000.000 -10.66%
2022 10.537.000.000 -65.89%
2023 1.732.000.000 -508.37%
2024 6.932.000.000 75.01%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Assicurazioni Generali S.p.A. Capital Expenditure
Year Capital Expenditure Growth
2004 736.700.000
2005 379.700.000 -94.02%
2006 4.858.000.000 92.18%
2007 493.300.000 -884.8%
2008 5.171.500.000 90.46%
2009 1.313.100.000 -293.84%
2010 0 0%
2011 458.000.000 100%
2012 265.000.000 -72.83%
2013 325.000.000 18.46%
2014 0 0%
2015 151.000.000 100%
2016 557.000.000 72.89%
2017 0 0%
2018 355.000.000 100%
2019 575.000.000 38.26%
2020 335.000.000 -71.64%
2021 -11.914.000.000 102.81%
2022 638.000.000 1967.4%
2023 177.000.000 -260.45%
2024 217.000.000 18.43%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Assicurazioni Generali S.p.A. Equity
Year Equity Growth
2003 10.766.962.000
2004 14.575.400.000 26.13%
2005 17.554.200.000 16.97%
2006 18.732.400.000 6.29%
2007 18.350.600.000 -2.08%
2008 15.473.100.000 -18.6%
2009 19.924.300.000 22.34%
2010 20.064.500.000 0.7%
2011 17.808.000.000 -12.67%
2012 21.726.000.000 18.03%
2013 21.405.000.000 -1.5%
2014 24.185.000.000 11.49%
2015 24.708.000.000 2.12%
2016 25.668.000.000 3.74%
2017 26.177.000.000 1.94%
2018 24.643.000.000 -6.22%
2019 29.851.000.000 17.45%
2020 31.794.000.000 6.11%
2021 31.876.000.000 0.26%
2022 18.137.000.000 -75.75%
2023 28.957.000.000 37.37%
2023 31.284.000.000 7.44%
2024 31.904.000.000 1.94%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Assicurazioni Generali S.p.A. Assets
Year Assets Growth
2003 259.811.328.000
2004 310.346.300.000 16.28%
2005 345.553.600.000 10.19%
2006 377.640.500.000 8.5%
2007 382.543.500.000 1.28%
2008 383.938.400.000 0.36%
2009 423.816.900.000 9.41%
2010 422.430.100.000 -0.33%
2011 423.148.000.000 0.17%
2012 442.011.000.000 4.27%
2013 449.656.000.000 1.7%
2014 501.318.000.000 10.31%
2015 504.147.000.000 0.56%
2016 524.298.000.000 3.84%
2017 538.958.000.000 2.72%
2018 514.829.000.000 -4.69%
2019 514.574.000.000 -0.05%
2020 544.710.000.000 5.53%
2021 586.225.000.000 7.08%
2022 519.051.000.000 -12.94%
2023 511.207.000.000 -1.53%
2023 508.611.000.000 -0.51%
2024 520.436.000.000 2.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Assicurazioni Generali S.p.A. Liabilities
Year Liabilities Growth
2003 249.044.366.000
2004 295.770.900.000 15.8%
2005 327.999.400.000 9.83%
2006 358.908.100.000 8.61%
2007 364.192.900.000 1.45%
2008 368.465.300.000 1.16%
2009 403.892.600.000 8.77%
2010 402.365.600.000 -0.38%
2011 405.340.000.000 0.73%
2012 420.285.000.000 3.56%
2013 428.251.000.000 1.86%
2014 477.133.000.000 10.24%
2015 479.439.000.000 0.48%
2016 498.630.000.000 3.85%
2017 512.781.000.000 2.76%
2018 490.186.000.000 -4.61%
2019 484.723.000.000 -1.13%
2020 512.916.000.000 5.5%
2021 554.349.000.000 7.47%
2022 500.914.000.000 -10.67%
2023 482.250.000.000 -3.87%
2023 477.327.000.000 -1.03%
2024 488.532.000.000 2.29%

Assicurazioni Generali S.p.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
59.86
Net Income per Share
2.77
Price to Earning Ratio
8.91x
Price To Sales Ratio
0.41x
POCF Ratio
3.9
PFCF Ratio
4.07
Price to Book Ratio
1.31
EV to Sales
0.53
EV Over EBITDA
-58.22
EV to Operating CashFlow
4.97
EV to FreeCashFlow
5.2
Earnings Yield
0.11
FreeCashFlow Yield
0.25
Market Cap
38,10 Bil.
Enterprise Value
48,67 Bil.
Graham Number
34.31
Graham NetNet
-311.11

Income Statement Metrics

Net Income per Share
2.77
Income Quality
1.51
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
2.3
Ebit per Revenue
0.03
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.88
Operating Profit Margin
0.03
Pretax Profit Margin
0.07
Net Profit Margin
0.05

Dividends

Dividend Yield
0.06
Dividend Yield %
5.64
Payout Ratio
0.95
Dividend Per Share
1.39

Operating Metrics

Operating Cashflow per Share
6.33
Free CashFlow per Share
6.06
Capex to Operating CashFlow
0.04
Capex to Revenue
0
Capex to Depreciation
0.69
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
111.97
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
3.26
Inventory Turnover
0
Capex per Share
0.28

Balance Sheet

Cash per Share
5,01
Book Value per Share
20,64
Tangible Book Value per Share
14.72
Shareholders Equity per Share
18.9
Interest Debt per Share
11.96
Debt to Equity
0.6
Debt to Assets
0.03
Net Debt to EBITDA
-12.64
Current Ratio
0.81
Tangible Asset Value
22,75 Bil.
Net Current Asset Value
-465,17 Bil.
Invested Capital
7442000000
Working Capital
-5,47 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
3,53 Bil.
Average Inventory
0
Debt to Market Cap
0.46

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Assicurazioni Generali S.p.A. Dividends
Year Dividends Growth
2015 1
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 100%
2022 1 0%
2023 1 0%
2024 1 0%

Assicurazioni Generali S.p.A. Profile

About Assicurazioni Generali S.p.A.

Assicurazioni Generali S.p.A. provides various insurance solutions. The company operates through four segments: Non-Life; Life; Asset Management; and Holding and Other Business. It offers saving and protection insurance products for individuals and family; unit linked products with investment purposes; and motor, motor third-party liability, casualty, accident, health, and commercial and industrial risks insurance products. The company also provides equity and fixed-income funds, and alternative products; and investment advisory, asset management, and financial planning services. It operates in Italy, France, Germany, Austria, Czech Republic, Poland, Hungary, Slovakia, Serbia, Montenegro, Romania, Slovenia, Bulgaria, Croatia, Russia, Spain, Switzerland, the Americas, Southern Europe, and Asia. The company was formerly known as Assicurazioni Generali Austro-Italiche and changed its name to Assicurazioni Generali S.p.A. in 1848. Assicurazioni Generali S.p.A. was founded in 1831 and is headquartered in Trieste, Italy.

CEO
Mr. Philippe Roger Donnet
Employee
84.755
Address
Piazza Duca degli Abruzzi, 2
Trieste, 34132

Assicurazioni Generali S.p.A. Executives & BODs

Assicurazioni Generali S.p.A. Executives & BODs
# Name Age
1 Dr. Antonio Cangeri
Group General Counsel
70
2 Mr. Philippe Roger Donnet
MD, Group Chief Executive Officer & Director
70
3 Mr. David Cis
Group Chief Operating Officer, Chief Executive Officer & GM of Group Operating Service Platform
70
4 Mr. Francesco Martorana CFA
Group Chief Investment Officer
70
5 Mr. Maurizio Basso
Group Compliance & Anti Money Laundering Officer and Group FATCA Responsible Officer
70
6 Ms. Isabelle Marguerite Conner
Group Chief Marketing & Customer Officer
70
7 Dr. Cristiano Borean
Group Chief Financial Officer
70
8 Mr. Fabio Cleva
Head of Investor & Rating Agency Relations
70
9 Mr. Simone Bemporad
Group Chief Communications & Public Affairs Officer and Group Spokesperson
70
10 Ms. Monica Alessandra Possa
Group Chief HR & Organization Officer
70

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