Assicurazioni Generali S.p.A. Logo

Assicurazioni Generali S.p.A.

ASG.DE

(2.2)
Stock Price

27,06 EUR

0.84% ROA

14.72% ROE

9.19x PER

Market Cap.

39.325.549.022,00 EUR

59.99% DER

5.03% Yield

5.23% 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

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 ROE

ROE in an average range (12.8%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.57%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.89x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (523), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 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.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

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 Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

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 83.266.900.000 2.41%
2008 70.554.500.000 -18.02%
2009 90.659.700.000 22.18%
2010 90.779.200.000 0.13%
2011 73.319.600.000 -23.81%
2012 78.557.000.000 6.67%
2013 79.387.000.000 1.05%
2014 82.300.000.000 3.54%
2015 85.733.000.000 4%
2016 79.827.000.000 -7.4%
2017 82.111.000.000 2.78%
2018 67.930.000.000 -20.88%
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 60.014.000.000 4.68%

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 9.441.000.000 -1.45%
2006 2.923.800.000 -222.9%
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 3.458.000.000 -0.3%
2012 3.178.000.000 -8.81%
2013 2.986.000.000 -6.43%
2014 2.502.000.000 -19.34%
2015 2.581.000.000 3.06%
2016 2.594.000.000 0.5%
2017 2.575.000.000 -0.74%
2018 2.438.000.000 -5.62%
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 980.000.000 1.43%

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 1.733.181.000
2004 4.966.000.000 65.1%
2005 5.792.500.000 14.27%
2006 4.972.200.000 -16.5%
2007 7.816.900.000 36.39%
2008 3.067.900.000 -154.8%
2009 3.527.200.000 13.02%
2010 4.124.700.000 14.49%
2011 1.804.500.000 -128.58%
2012 2.703.000.000 33.24%
2013 4.684.000.000 42.29%
2014 4.418.000.000 -6.02%
2015 4.657.000.000 5.13%
2016 4.549.000.000 -2.37%
2017 4.722.000.000 3.66%
2018 5.000.000.000 5.56%
2019 0 0%
2019 4.503.000.000 100%
2020 3.920.000.000 -14.87%
2021 4.932.000.000 20.52%
2022 5.533.000.000 10.86%
2023 -1.185.000.000 566.92%
2024 -1.644.000.000 27.92%

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 83.266.900.000 2.41%
2008 70.554.500.000 -18.02%
2009 90.659.700.000 22.18%
2010 90.779.200.000 0.13%
2011 73.319.600.000 -23.81%
2012 78.557.000.000 6.67%
2013 79.387.000.000 1.05%
2014 82.300.000.000 3.54%
2015 85.733.000.000 4%
2016 79.827.000.000 -7.4%
2017 82.111.000.000 2.78%
2018 67.930.000.000 -20.88%
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 25.926.000.000 -87%

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 1.152.700.000 -75.09%
2012 90.000.000 -1180.78%
2013 1.915.000.000 95.3%
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 4.104.000.000 10.75%

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 3 0%

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 21.335.300.000 35.05%
2006 20.041.700.000 -6.45%
2007 14.778.300.000 -35.62%
2008 13.901.500.000 -6.31%
2009 22.089.300.000 37.07%
2010 19.072.900.000 -15.82%
2011 16.504.900.000 -15.56%
2012 10.423.000.000 -58.35%
2013 12.997.000.000 19.8%
2014 19.750.000.000 34.19%
2015 17.965.000.000 -9.94%
2016 19.506.000.000 7.9%
2017 16.431.000.000 -18.71%
2018 14.637.000.000 -12.26%
2019 5.060.750.000 -189.23%
2019 19.764.000.000 74.39%
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 3.322.500.000 53.2%

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 21.776.400.000 32.99%
2006 24.899.700.000 12.54%
2007 15.271.600.000 -63.05%
2008 19.073.000.000 19.93%
2009 23.402.400.000 18.5%
2010 19.072.900.000 -22.7%
2011 12.856.900.000 -48.35%
2012 10.694.000.000 -20.23%
2013 13.317.000.000 19.7%
2014 19.750.000.000 32.57%
2015 18.116.000.000 -9.02%
2016 20.656.000.000 12.3%
2017 16.431.000.000 -25.71%
2018 14.992.000.000 -9.6%
2019 5.084.750.000 -194.84%
2019 20.339.000.000 75%
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 3.431.000.000 49.52%

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 441.100.000 -67.01%
2006 4.858.000.000 90.92%
2007 493.300.000 -884.8%
2008 5.171.500.000 90.46%
2009 1.313.100.000 -293.84%
2010 0 0%
2011 -3.648.000.000 100%
2012 271.000.000 1446.13%
2013 320.000.000 15.31%
2014 0 0%
2015 151.000.000 100%
2016 1.150.000.000 86.87%
2017 0 0%
2018 355.000.000 100%
2019 24.000.000 -1379.17%
2019 575.000.000 95.83%
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 108.500.000 -63.13%

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 18.120.500.000 -10.73%
2012 22.568.000.000 19.71%
2013 21.405.000.000 -5.43%
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 422.439.400.000 -0.33%
2011 423.057.200.000 0.15%
2012 441.745.000.000 4.23%
2013 449.656.000.000 1.76%
2014 501.318.000.000 10.31%
2015 500.549.000.000 -0.15%
2016 521.184.000.000 3.96%
2017 537.080.000.000 2.96%
2018 515.827.000.000 -4.12%
2019 514.574.000.000 -0.24%
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 521.731.000.000 2.51%

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 402.374.900.000 -0.38%
2011 404.936.700.000 0.63%
2012 419.177.000.000 3.4%
2013 428.251.000.000 2.12%
2014 477.133.000.000 10.24%
2015 475.841.000.000 -0.27%
2016 495.516.000.000 3.97%
2017 510.903.000.000 3.01%
2018 491.184.000.000 -4.01%
2019 484.723.000.000 -1.33%
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 489.827.000.000 2.55%

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

Valuation Metrics

Revenue per Share
52.96
Net Income per Share
2.77
Price to Earning Ratio
9.19x
Price To Sales Ratio
0.48x
POCF Ratio
3.86
PFCF Ratio
3.98
Price to Book Ratio
1.35
EV to Sales
0.61
EV Over EBITDA
-39.04
EV to Operating CashFlow
4.89
EV to FreeCashFlow
5.04
Earnings Yield
0.11
FreeCashFlow Yield
0.25
Market Cap
39,33 Bil.
Enterprise Value
49,89 Bil.
Graham Number
34.31
Graham NetNet
-311.95

Income Statement Metrics

Net Income per Share
2.77
Income Quality
2.4
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.68
EBT Per Ebit
1
Ebit per Revenue
0.08
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
0.86
Operating Profit Margin
0.08
Pretax Profit Margin
0.08
Net Profit Margin
0.05

Dividends

Dividend Yield
0.05
Dividend Yield %
5.03
Payout Ratio
0.73
Dividend Per Share
1.28

Operating Metrics

Operating Cashflow per Share
6.6
Free CashFlow per Share
6.4
Capex to Operating CashFlow
0.03
Capex to Revenue
0
Capex to Depreciation
0.63
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
131.27
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
2.78
Inventory Turnover
0
Capex per Share
0.2

Balance Sheet

Cash per Share
5,01
Book Value per Share
20,64
Tangible Book Value per Share
12.92
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
-8.27
Current Ratio
4.65
Tangible Asset Value
19,97 Bil.
Net Current Asset Value
-482,88 Bil.
Invested Capital
21147000000
Working Capital
5,46 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
1,76 Bil.
Average Inventory
0
Debt to Market Cap
0.45

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
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 1 100%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 100%
2019 1 0%
2020 1 0%
2021 1 100%
2022 2 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 Dr. Cristiano Borean
Group Chief Financial Officer
70
4 Mr. David Cis
Group Chief Operating Officer, Chief Executive Officer & GM of Group Operating Service Platform
70
5 Mr. Francesco Martorana CFA
Group Chief Investment Officer
70
6 Mr. Fabio Cleva
Head of Investor & Rating Agency Relations
70
7 Mr. Maurizio Basso
Group Compliance & Anti Money Laundering Officer and Group FATCA Responsible Officer
70
8 Mr. Simone Bemporad
Group Chief Communications & Public Affairs Officer and Group Spokesperson
70
9 Ms. Isabelle Marguerite Conner
Group Chief Marketing & Customer Officer
70
10 Ms. Monica Alessandra Possa
Group Chief HR & Organization Officer
70

Assicurazioni Generali S.p.A. Competitors

Enel SpA Logo
Enel SpA

ENL.DE

(2.5)
AXA SA Logo
AXA SA

AXA.DE

(1.8)
Orange S.A. Logo
Orange S.A.

FTE.DE

(3.0)
Banco Santander, S.A. Logo
Banco Santander, S.A.

BSD2.DE

(2.8)